Author: admin

What is the process of filing a condo insurance claim?

Posted on by admin

Condo insurance is much like home insurance. That means that the claim filing process is almost the same. Your condo insurance company in Jenkintown, PA should help you settle down as soon as possible, depending on the type of accident. 

When accidents strike, it’s not always possible to think straight, especially if it involves serious injuries or death. However, you need to stay focused and file your condo insurance claim before doing anything else.

At Richard Zeises Agency we advise our policyholders to prepare for such an unfortunate event by having their paperwork, personal details, and information ready to make the process easier and faster. Here is how you can successfully file a condo insurance claim.

  • Report crimes to the police: If your home has been burglarized, it’s more important to call the police first before doing anything else. It is recommended to ensure you provide full details of the incident when everything is still fresh. 
  • Call your insurance company: Once you have the police report, you can call your condo insurance provider and begin the claim process. They will send over a few papers for you to sign as they get an adjuster to check the damage.
  • Meanwhile, document the damage: Take pictures and videos of the damage and create a list of the damaged items, including their cost. If you have receipts, keep them close for evidence if necessary.
  • Have an adjuster inspect the damage: Your insurance company will send a claim adjuster to assess the damage. You can also check in with your contractor to determine the estimated cost of damage.
  • Make temporary repairs: Some damages require immediate action, such as fire or water damage. If you can remove some items to prevent them from getting burnt or damaged by the water, feel free to do so.

Make sure you’re filing a claim for damage that is covered. Otherwise, your claim will be rejected, or your insurance rates may be increased. For more information about filing a condo insurance claim in Jenkintown, PA, speak to any Richard Zeises Agency agent, and we will be happy to help.

Do You Need Insurance Against Underinsured Drivers?

Posted on by admin

Although you may do everything in your power to abide by Pennsylvania’s auto insurance laws, others may not be so careful. As a result, you may consider the possibility of paying for underinsured motorist insurance.

Richard Zeises Agency, which serves Jenkintown, PA, understands the complexities that come with underinsured drivers. Here’s what you need to know about protecting yourself against these motorists.

What Exactly Is Underinsured Motorist Coverage?

Underinsured motorist coverage ensures that you are protected if somebody who lacks the appropriate liability insurance hits your vehicle. There are several types of coverage you might consider as part of your policy.

Bodily injury coverage is part of underinsured motorist policies, covering things like medical bills. This coverage provides personal injury protection.

Underinsured motorist policies often encompass property damage coverage as well. This coverage protects property damaged by somebody without the appropriate auto insurance.

Pennsylvania Does Not Require Underinsured Driver Insurance

Pennsylvania requires that all drivers have some auto insurance, including $15,000 for injury or death for one person and $30,000 for injuries impacting two or more people. Additionally, each driver is required to carry property damage coverage.

Simply because you are not required to carry this coverage does not mean you should forget about it. If somebody without sufficient coverage causes an accident, your underinsured coverage may prevent you from paying money out of your own pocket.

Contact an Insurance Agent to Learn More

While underinsured motorist coverage is not a necessity in Pennsylvania, it is still a good idea to consider this option. If you have questions about protecting yourself and your property in Jenkintown, PA, check out Richard Zeises Agency for more information.

Is commercial insurance in Jenkintown, PA a good investment?

Posted on by admin

Picture two similar businesses operating in Jenkintown, PA. One has commercial insurance, but the other has chosen to forego business insurance to save some bucks. Assume a brutal weather where hail strikes, causing significant damages to both businesses. Who do you think saves money in the long run? The business owner with insurance will claim compensation for the losses from their insurer. Meanwhile, the business without insurance will have to make the repairs from their profits.

If you have been thinking of ignoring commercial insurance for your business, don’t. When you buy business insurance from Richard Zeises Agency, you accrue the below benefits. 

Liability protection

There is a lot of wrong that can go in your business. Your products could harm consumers. A visitor could slip while within your premises, sustaining injuries. Or you could publish an online report deemed libelous by a third party. Since businesses operate in a risky environment, you need commercial insurance to protect you from expensive third-party claims. 

Protects your employees

Since you value your employees, it makes sense to protect them with worker’s comp insurance. This coverage pays for medical expenses when your employees become ill or suffer work-related injuries. Besides, it covers partial loss of income if your employee can’t resume work due to injuries. 

Boosts credibility

Besides professionalism, commercial insurance provides an extra layer of credibility. Your suppliers and customers are protected in case your business fails to honor commitments for whatever reason. In simple terms, commercial insurance gives you a competitive advantage over rivals.  

Protects your business against losses

Commercial insurance protects your business against financial losses that may arise when perils strike. For instance, if a fire was to ravage your business, commercial insurance saves you the loss of financing your assets from scratch. Similarly, commercial insurance shields your business finances if your employees suffer work-related injuries. 

Buy commercial insurance today!

Having seen the power that a commercial insurance policy packs, it’s time to purchase coverage from Richard Zeises Agency. If you are in Jenkintown, PA, and its environs, please get in touch with us for an affordable quote. 

What You Need to Know About Home Insurance

Posted on by admin

Investments are important, but protecting those investments is even more important. Your home is probably one of the biggest investments you will make during your life. Not only will you invest a great deal of money into your home, but there is also the emotional connection and emotional value of your home as well. At Richard Zeises Agency, serving Jenkintown, PA, we want to help you make the best choices concerning home insurance. 

Is Home Insurance Required?

In many cases, home insurance will be required by your mortgage company if you have a mortgage on your home. In some regions, home insurance is required regardless. Even if you are not under a legal obligation to have home insurance in place, home insurance is the best way to protect the investment you have made into your home. 

How Much Insurance Coverage Do I Need?

The answer to this question will vary from family to family. The value of each property will be different, and the assets which are housed at the property will be different for each individual’s situation. The best way to determine how much home insurance coverage you will need is to talk one on one with an insurance agent. They will be able to help you evaluate the value of the home and your personal assets housed at the home so that you get the right amount of insurance coverage. 

If you would like to learn more about our insurance services and products, please contact us at Richard Zeises Agency, serving Jenkintown, PA. We will be very happy to sit down with you to answer all of our insurance questions. 

Mileage limitations of classic car insurance

Posted on by admin

Classic car insurance protects your older model, rare, restored vehicle whether you own a classic car, vintage motorcycle, antique truck, or a collector’s vehicle, according to the Richard Zeises Agency. Jenkintown, PA classic car owners need coverage specifically for their classic vehicle, so they obtain its full value if something happens to damage it.

While this special type of auto insurance pays you the full value of your vehicle if something damages it, you trade off driving miles to keep it safer. The average person drives about 13,500 miles per year. This creates a lot of risks that something could go wrong since the vehicle spends so much time on the road.

Since the value of classic cars runs much higher than typical vehicles which depreciate, the insurance agency wants you to drive them less. A classic car insurance policy limits you to between 1,000 to 2,500 miles per year. Most policies include an odometer check each year to make sure you did not go over the limit.

How many miles you get to drive your vehicle depends on the insurance policy. Policies vary, so your buddy in the classic car club might have a policy that only lets her drive the classic car 1,000 miles per year, but your policy might allow 2,000 miles per year.

You can customize many aspects of the policy you buy, including its mileage and deductible. You can purchase add-ons to the regular policy that lets you extend the coverage.

Consult with your insurance agent at Richard Zeises Agency serving Jenkintown, PA to learn more about classic car insurance. We can help you customize a policy to suit your needs. Call us today.

3 Benefits of Renters Insurance

Posted on by admin

It’s the dream of many people to own a home. But with the changing world, the autonomy given by rental houses is just the bomb. Renting a house gives you the freedom of moving from one place to another, yet you have somewhere you can call home. For homeowners, home insurance protects them. What about those who rent apartments or condos? That’s where renters insurance comes into play.

Many people assume that their landlord’s insurance protects them against perils like theft, vandalism, and fire. The reality is that the landlord’s insurance covers the building but not the contents. In light of this, you need to purchase renters insurance from Richard Zeises Agency of Jenkintown, PA. This way, you will enjoy the below benefits. 

Liability coverage

Liability coverage covers you in the event someone got injured in your home. It also protects you or anyone covered in the policy if you accidentally injure someone. This coverage pays for property damages, bodily injury costs, and even legal expenses up to your policy limit.

Provides cover for your belongings

Perhaps this is the most important reason for having renter insurance. Your belongings are a fortune. Think about your electronics, clothing, sporting gear, furniture, and so on. Renters insurance protects your assets from loss or damage even when disaster strikes outside your house. 

Provides additional living expenses

If your rented condo or apartment becomes uninhabitable due to a covered peril, your renter insurance may cover your additional temporal living expenses as the house is undergoing repairs. It will help if you discuss the additional living expenses coverage with your insurance agent to be on the safe side.

Renters insurance in Pennsylvania

Are you ready to buy renters insurance in Jenkintown, PA? Look no further than Richard Zeises Agency. Contact us today for an affordable quote. Besides, you can visit our offices to chat with our agent team.

Common Scenarios When Umbrella Insurance Can Help You Protect Your Assets

Posted on by admin

For over 25 years, Richard Zeises Agency has helped Jenkintown, PA residents find the insurance coverage they need. We offer flexible policies to ensure that our clients are prepared for any scenario that they encounter. We take pride in offering quality customer service.

Common Scenarios When Umbrella Insurance Can Help You Protect Your Assets

Umbrella insurance adds an extra layer of security if you are involved in a liability dispute. Umbrella insurance is supplemental coverage that helps you protect your assets. Here is a look at some common scenarios when umbrella insurance can assist you.

Property Damage

Umbrella insurance protects you if you accidentally cause damage to someone else’s property. Perhaps you are ruled to be at fault for an auto accident, or your vehicle damages someone’s property. You can add umbrella insurance to your home insurance policy as well. Maybe you are doing some landscaping, cutting down a tree, and the tree lands on your neighbor’s roof. You are responsible for the damages, and umbrella insurance can help protect you from losing your assets.

Accidental Injuries

Umbrella insurance is commonly relied on to assist people who are dealing with potential litigation regarding bodily injuries. You are responsible if someone gets injured while visiting your home. You are also responsible if your pet accidentally injures someone or causes damage to their property. If you have a swimming pool or another high-risk accessory on your property, umbrella insurance is a real asset. You could face serious litigation if someone gets hurt. Umbrella insurance will protect you.

Commercial Litigation

If you are the owner of a Jenkintown, PA business, umbrella insurance covers you if you face allegations of slander, libel, and wrongful termination.

Richard Zeises Agency Will Help You Stay Protected

Visit our website to learn more information about umbrella insurance.  

What does it mean to be flood smart?

Posted on by admin

Floods happen anywhere, and an inch of water is enough to cause over $25,000 in damage. Everyone who lives in Jenkintown, PA is at risk of a flooding event. It’s a question of whether you are at low-risk, high-risk, or moderate-risk flood areas. That’s why Richard Zeises Agency recommends learning where your property belongs in the flood zones commonly referred to as flood smart.

What does being flood smart mean?

Being flood smart means you can read and interpret a flood map and know where your property stands based on what flood maps indicate. Each flood zone describes the level of risk in a particular area, which is also used to determine insurance costs and requirements. Remember, the higher the risk, the higher the cost of flood insurance. Being flood smart also means knowing that no matter where you live, there will always be some risk of flooding, and from there, you can take the necessary precautions and prepare.

How to tell you are in a flood zone

A flood-smart individual must know how to identify a flood zone. There are four ways to tell if you are in a flood zone:

  • Keep track of the changes: The changes in topography, construction, and other human activities can change the flood zone designations over time. It’s prudent to check these changes every five years and prepare if necessary.
  • Use flood sensors: Flood sensors notify you of water leaks and alert you when there are water-related leaks in your basement.
  • Check FEMA flood map: The FEMA flood map shows overlays of unique floodplains and the risk level around your property.
  • Check your flood insurance: Your flood insurance policy will always indicate where your property stands in terms of flood risk. Insurance companies in Jenkintown, PA are also keen to update this information whenever there is a change.

Be flood smart and buy flood insurance with the help of Richard Zeises Agency. We care about what matters to you most. Call us today!

What Pennsylvania residents Need to know about Condo insurance.

Posted on by admin

A condo insurance policy procured from an authorized insurance company in Jenkintown, PA can protect your personal belongings and liability. It also covers many alterations, additions, and improvements you make to your unit. Condo insurance caters to additional living expenses incurred should you live elsewhere after a covered loss. Let Richard Zeises Agency, situated in Jenkintown, PA, help you find outstanding coverage that suits your budgetary needs.

This form of policy is tailored to guard you and your family members against property damage, liability claims, and bodily injury. Additionally, you can choose medical payments that will cater to medical bills incurred by a guest who gets injured on your property, irrespective of who is deemed liable. Many Pennsylvania residents prefer condos to apartments when renting, but selecting proper condo insurance can sometimes be daunting. Worry not because Richard Zeises Agency is here to help. Our agency considers all the factors when building your condo insurance policy. They include:

  • Credit history.
  • Claims history.
  • Location of your condo.
  • Age(new or old) of your condo.

Types of condo insurance coverages.

  • Personal liability coverage: This policy pays for related legal expenses if someone is accidentally injured while residing in your condo and you are deemed liable.
  • Guest medical: This policy settles the medical expenses if your visitor gets injured while at your condo, even if you are deemed liable.
  • Building property protection: It typically helps in paying for repairs to the walls of your condominium unit, inclusive of its interior, which encompasses items like built-in bookcases and fixtures if a covered peril propagates destruction.
  • Personal property coverage: Personal possession such as appliances, clothing, furniture, and electronics get covered under personal property coverage. If a covered peril destroys them, this policy helps to repair or replace them. It encompasses two types of personal property coverage:
    • Replacement cost coverage.
    • Actual cash value.
  • Loss assessment coverage: In some cases, your condo association may issue a special assessment, and this form of policy may help you cover your share. For instance, if a fire causes damage to a common area.

Your condo is your ultimate source of comfort. Let us safeguard the space you have made your own. Call or visit us at Richard Zeises Agency offices, located in Jenkintown, PA for more information.

Why You Should Have Agent Assistance with Deciding on Your Auto Insurance Policy

Posted on by admin

Getting the right kind of automobile insurance isn’t always a clear-cut process. There are some complicated factors that you’ll have to consider. You’d do well to have an independent agent on your side like those at Richard Zeises Agency of the Jenkintown, PA area.

Honesty with Insurance Dealings

When you’re working with an insurance agent through a legitimate agency rather than going with your auto dealer’s recommendation, you stand a greater chance at finding just what you need and avoiding the hustle. An agent can look into various companies for you and make sure that you’re getting the best rates possible for what you want and need. They’ll give you more information and explain anything that is confusing (there are definitely a lot of specific terms to the industry that a layman wouldn’t really know without a great deal of experience with auto insurance).

Learn How About to Make a Claim

If an accident occurs and you or someone else is injured, you’ll need to know how to file an insurance claim. Even under the best circumstances, most people become flustered when it comes to dealing with complicated paperwork. Your independent agent will be able to go over the steps with you to clear on what you’ll need to submit and who should be sent what documentation.

There are various other reasons you should hire a reliable insurance agent to put together your auto insurance policy. They’ll put your mind at ease and make it possible for you to enjoy life more instead of stressing about what will happen if you get into an accident or something happens to your vehicle otherwise. Give us a call at Richard Zeises Agency if you’re in the Jenkintown, PA area and are seeking auto insurance.