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Bloomsburg, PA 17815

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Recreational Insurance Can Help Protect your Next Vacation

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If you have plans to head out on vacation in a recreational vehicle of any kind, you want to make sure you have the right type and level of insurance protection. In the Bloomsburg, PA area, The Good Insurance Group LLC can help. With recreational insurance options that meet your needs, you can feel safe and secure. That means enjoying your time away since you won’t be worried about whether you’re covered in the event of an accident.

Don’t rely on your standard vehicle insurance policy to cover anything on your recreational vehicle. Since they are separate vehicles, they need separate policies. You may also need a different kind of policy depending on the sort of recreational vehicle you have. There are several different policy choices, and they aren’t all going to give you the same level of protection. But there may be more than one option that will work well for your needs.

Talking with your agent can help you find the solution to protect you adequately. It’s an important part of the vacation planning, along with finding campgrounds to stay at, deciding what attractions to see, and getting ready for your adventures. With Good Insurance, you’ll have one less thing you need to worry about and can focus on all the places you want to see and the new experiences you’re looking forward to having.

When you work with The Good Insurance Group LLC agents, you can find the right policy for your Bloomsburg, PA area recreational insurance needs. Then you can plan your next vacation and travel with confidence. Reach out to us today, and let us answer your questions, so you can choose insurance coverage and get back to planning your trip.

How Do I Decide How Much Renters’ Insurance I Need?

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You don’t want to lose the possessions you have in the house or apartment you rent to fire, theft, or some other calamity. We at the Good Insurance Group LLC urge you to buy renters’ insurance. How much you need depends on what your home inventory reveals.

Residents in Bloomsburg, PA, or any city can compile one by listing the contents of each room. Think TV, computer, furniture, clothing, and jewelry. Don’t forget smartphones.

Apps Simplify and Organize the Process

A better —and probably more accessible way—is to use technology. Research free and paid apps. They also let you store pictures. Some even allow you to scan QR codes.

The National Association of Insurance Commissioners (NAIC) offers free apps for iOS and Android phones. Other apps include, but are not limited to, BluePlum Home Inventory, Encircle, My Stuff, and Sortly. Mememto Database is suitable for Android, Windows, Linux, and Mac.

Of course, having receipts helps to determine value. If you don’t have them, estimate the cost. If you have particularly valuable items, you probably have already had them appraised.

Even if you don’t use an app, take photos or videos of your possessions and record the make, model, and the serial number of each. Doing this establishes their existence and their condition before an incident.

Include any descriptive information, and record how old each item is. Add up the values to determine how much insurance you need. Do you want a policy that offers replacement value or one that factors in depreciation?

The Good Insurance Group LLC agents, which serves Bloomsburg, PA, can guide you in determining how much coverage you need. Contact us today.

Why Flood Insurance is a Must

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Even if you do not live in a flood zone, it does not mean that your home is immune from potential flooding. FEMA estimates that just one inch of water can cause $25,000 in damage. While it is easy to assume that your homeowner’s insurance policy will cover flood damage, the reality is that it is unlikely to do so. If you live in a high or medium-risk flood area, your mortgage lender is likely to require that you have flood insurance. However, if you do not have a mortgage, you should still purchase flood coverage because flooding can happen anytime, from melting snow to construction in your neighborhood to burst pipes. 

It is easy to mistake that low-risk flood zones signify no-risk flood areas. However, because flood maps change over time with factors like climate change or local infrastructure changes leading to new or different flood areas, flood insurance provides extra peace of mind. If you live in a flood zone, head over to FEMA’s Flood Map Service Center to find out more information. 

There are two types of flood insurance offered, one through the National Flood Insurance Program and the other through private insurers. Purchasing flood insurance through a private provider offers several advantages, including:

  • Higher Coverage
  • Shorter Wait For Effective Date
  • Backed by the State

Contact The Good Insurance Group LLC in Bloomsburg, PA for more information on flood insurance. Our friendly and professional team is industry-trained and highly knowledgeable on all types of insurance policies. Give us a call today to schedule a no-obligation consultation with a member of our team. 

How Does Umbrella Insurance Work?

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When you have home and auto insurance, you may not have the protection that you think you do. These policies often have little liability coverage contained in them, and this can mean that you aren’t able to pay for a serious accident. One way to remedy this is to get an umbrella policy. If you are interested in getting one of these policies, give us a call today at The Good Insurance Group LLC in Bloomsburg, PA.

Liability Coverage

Your home and auto policies will have some liability protection, but the amount is often low. This can leave you ill-prepared to pay for a serious accident that happens on your property or in your vehicle. An umbrella policy gives you extra liability coverage for both of those insurance policies. And, it costs much less to get an umbrella policy than it would to add coverage onto your home and auto policies. This is a budget-friendly way to get a lot more coverage.

How It Works

Once an accident happens, the first insurance policy to pay out will be your home or auto policy, depending on the type of accident that occurred. This policy will come in and pay for the accident’s medical bills and other expenses, but only up to its stated maximum payout. After that, you would be on your own to pay the rest if you didn’t have an umbrella policy. If you have one, it would come in next and pay what is left of those bills, and it has a much higher maximum payout than your home or auto insurance. 

Get Your Umbrella Policy

If you want to have more liability coverage for your home and auto policies, call us now at The Good Insurance Group LLC in Bloomsburg, PA to find out more about these policies. 

What Does Condo Insurance Cover?

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Living in Bloomsburg, PA is truly special – if you are a resident of the area, The Good Insurance Group LLC has years of expertise in all types of insurance. Keep reading for information on condo insurance. 

Good condo insurance policies cover a few different things, and they’re all very important to protect you financially in different scenarios. One is personal liability protection, which protects you if someone is injured on your property and it is deemed your fault. 

Another is property protection, which covers the interior of the condo, including the walls, fixtures, and other things of that nature. Property protection does not, however, cover your personal belongings within the condo. This is very important to note. 

Lastly, personal property coverage covers your belongings, including electronics, furniture, appliances, and more. 

Just like any other home insurance policy, condo insurance can be customized with regards to what you own, what you want to be protected, and the value of your luxury items (if you have any you want to be insured). 

We know this can be confusing and overwhelming. The Good Insurance Group LLC is here to help condo dwellers in Bloomsburg, PA to find a policy that fits their lifestyle and needs, without breaking the bank. If this sounds like something you’d like to explore further, visit our website today. 

We have an experienced team of agents who are happy to help you find the best coverage for you. That way, you can get back to enjoying life in Pennsylvania and enjoying your beautiful condo. Don’t hesitate to reach out to us – we’re here to help and would be honored to serve you.

The Best Uses for Umbrella Insurance

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At The Good Insurance Group LLC, we know many Bloomsburg, PA residents who don’t understand umbrella insurance. This misunderstanding can be troubling but, thankfully, we’re here to tell you how you can use this extra liability protection to keep yourself and your family or business safe.

What Umbrella Insurance Covers 

Umbrella policies operate like an extra liability protection option on top of your standard policy. They can be adapted to your specific policy type. For example, they can provide you with protection for your vehicle, home, or even your business, depending on your needs. 

This benefit is significant. For example, if someone gets seriously injured due to your business, sues you for $100,000, wins, and your liability covers only $50,000, your umbrella policy can step in to pick up the rest of the cost. Usually, this option is more suitable for businesses rather than homeowners. 

What You Should Cover 

When getting an umbrella insurance policy, it is important to make sure that you use it properly and for the appropriate liability concerns. Just a few ways that you can use it include for:

  • Serious auto or boating accidents 
  • Driving a car into a building 
  • Dog or animal attacks 
  • Severe injuries that you caused 
  • Libel, defamation, and slander
  • False arrest or imprisonment 
  • Wrongful eviction situations 
  • Invasion of privacy cases 

Your policy will not protect you from any deliberately illegal or destructive acts that you perform. For example, you won’t get protected by your umbrella insurance if you set fire to your facility to collect insurance payments. 

Make Sure You’re Protected 

Do you need an umbrella insurance policy and aren’t sure where to turn? Please contact us today at The Good Insurance Group LLC to learn more. Our team helps Bloomsburg, PA residents get the coverage that they need and will do what they can to make sure you are satisfied. 

Condo Insurance Options

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Living in a condo is a convenient way of living, as you get the convenience of living in your own home while a lot of things are arranged for you. While your condo association should cover you for several types of damages, you should look into what they actually cover and what further condo insurance you need. 

If you want to look into condo insurance, you can call The Good Insurance Group LLC in Bloomsburg PA for your quotes. We work with several providers so that you receive many quotes to choose from, and we can walk you through every one of them. 

What do condo associations usually cover?

While different condo complexes can differ a bit, in general, condo associations generally cover some of the following:

  • The general areas of your condo complex. Everything that is a shared space should be looked after by your condo association.
  • The structure of your condo.

So, for that reason, you should consider getting condo insurance to cover some of the following:

  • Personal liability insurance, in case someone else gets hurt on your property.
  • Insurance for your personal items.
  • In the case of an incident, like flooding or fire, you need to cover the costs of living somewhere else for a while. This is not always automatically covered by your condo association or other types of insurance, and you should discuss with your agent whether this needs to be included.

The above reasons are just some that you should consider getting covered for your condo. If you are ready to discuss insurance for your condo, call The Good Insurance Group LLC in Bloomsburg PA. You can call us or request a quote on our contact form. 

When is the Right Time to Buy Life Insurance?

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Life insurance isn’t the prettiest topic, but you can’t avoid it if you are planning for the future. A life insurance policy protects your dependents in your absence. Besides, life insurance is crucial if you have debts, own a business, or planning to finance your final expenses.

While there is no doubt that life insurance is a sound financial decision, the million-dollar question is: When is the right time to buy life insurance. Or is there even a right time to buy life insurance? Since the answer isn’t a straightforward one, The Good Insurance Group LLC in Bloomsburg, PA, has taken time to respond to the article below. 

When should I buy a life insurance plan?

If you want to know if you need life insurance today, ask yourself: do I have dependents? Would they suffer financially in my absence? If the answer is yes, then you definitely need life insurance ASAP. This way, your loved ones won’t have to go through financial turmoil when you die.

But because we encounter different events throughout our lives, it’s paramount to look at situations around us to determine if we need life insurance today or later. The following are a few situations to determine when you need life insurance.

  • You are married or about to: Now that you will be welcoming another person in your life, it’s wise to think about their survival if you were to die. How would they pay that joint mortgage? Would they afford to pay your funeral expenses? If the answer is no, buy life insurance today.
  • You are about to welcome a child: A newborn brings changes in the financial dynamics. And for you to secure their future, life insurance is a safe bet to take care of their college fees, child care expenses, and so on.

The general rule of thumb is to invest in life insurance today — and if you are young and healthy, the better because the premiums are affordable. Ultimately, start with the coverage you can afford today, and increase gradually as life changes along the line.

Would you like to get more information about life insurance? Why don’t you contact The Good Insurance Group LLC? Or else, visit our Bloomsburg, PA to speak to one of our agents.

What You Need to Know About Auto Insurance Deductibles

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Most types of insurance—including auto—have a deductible. The deductible is the amount of money that you must pay out of your own pocket before the insurance company takes over and pays the rest. Here at the Good Insurance Group LLC, we know how confusing deductibles can be for Bloomsburg, PA residents, so we have answered some of the most commonly asked questions regarding deductibles below.

How Exactly Do Deductibles Work?

The deductible is a pre-determined amount that you will be required to pay after a covered event. The deductible is in place to help protect the bottom line of the insurance company and deter frivolous insurance claims from being filed.

For instance, if you caused an accident that resulted in $2,000 worth of property damage and you had a deductible of $500, then you would be expected to pay $500 before your insurance company would pay the remaining $1,500.

When Is the Deductible Paid?

As a general rule, you will need to pay the deductible when you file an insurance claim. However, if you are involved in an accident and not found to be at fault, you will not be responsible for paying your deductible. However, if the other party does not have insurance, you will need to pay your deductible in order to have your policy’s uninsured motorist coverage kick in.

How Much Should the Deductible Be?

There is no one-size-fits-all answer here. The higher your deductible, the lower your insurance premium. While a higher deductible will save you on your monthly payment, it may not necessarily be the best option for you.

When choosing your deductible, you need to consider what you would be able to afford to pay out of your pocket in the event of an accident. If you don’t like the thought of or wouldn’t be able to afford paying $1,000 on short notice, then you should seriously consider opting for a lower deductible.

If you have any further questions regarding auto insurance deductibles, do not hesitate to contact us. Serving the residents of Bloomsburg, PA, The Good Insurance Group LLC is happy to sit down with you to discuss your budget and needs in order to determine the most ideal deductible for your situation.

Three Ways Home Insurance Protects You

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If you own your own home, it’s a great feeling to have that independence. However, if you don’t have home insurance, that independence could be lost. If you do not yet have a home insurance policy on your home, we can help. Call us at The Good Insurance Group LLC in Bloomsburg, PA to find out more. 

It Protects Your Home

Home insurance policies cover your home in case of a disaster or accident that causes it damage. Home repairs can be expensive, and home insurance can pay for many of the repairs needed after a calamity or other incident that results in damage. This insurance can save you from having to pay for those repairs out of pocket. It’s vital that you have this coverage if you own a home.

It Protects Your Belongings

Your home insurance protects more than just your home- it also protects your possessions. This coverage will help you to replace items lost in an accident, disaster or other serious problems that ruin your belongings. Starting over again with no possessions would be incredibly difficult without this type of insurance coverage. 

It Protects Your Liability

Another way that home insurance protects you is to protect you against lawsuits that come from someone having an accident or sickness in your home. When someone falls sick or gets an injury, you can be judged liable for the expenses that result from it. With a home insurance policy, these medical bills are paid for you.

Get and Keep Home Insurance

Having home insurance is generally required by any lender who issued a mortgage. But, it’s also important to have it if you didn’t finance your house. To find out more about the protection this insurance gives you, call us at The Good Insurance Group LLC in Bloomsburg, PA.

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