Summer Driving Safety Tips

Is there anything better than a summer road trip? Asset Planning Insurance Agency, LLC of Johnstown, PA wants to make sure your summer outings are remembered for all the right reasons. That’s why we’ve put together this list of tips to keep you safe on the road all summer long!

Make sure your vehicle is well-maintained. 

Regular tune-ups are always a fantastic idea, but consider a check-up before any lengthy trips. This will make sure your car is in excellent condition for dealing with driving in the summer heat. Pay special attention to your tire condition (don’t forget the spare!), lights, coolant, and oil. A little extra time spent on prevention will save a lot of headaches down the line.

Take an emergency roadside kit. 

Even the most vigilantly maintained car can still breakdown. Carrying an emergency kit with you can ensure you won’t be stranded in dangerous areas. A typical kit should include:

  • A cell phone with a charger to call for help.
  • A first aid kit
  • Flashlight
  • Flares
  • Vehicle aides such as jumper cables, tire pressure gauge and a jack for changing tires
  • Nonperishable food and drinking water 

Protect yourself and the people you care about. 

The most important way to do this is to make sure everyone wears a seat belt. Children under 13 should ideally ride in the backseat. Some states legally require children of a certain age or weight to be placed in a booster seat. Never leave children unattended and always lock your vehicle so kids cannot accidentally enter and become trapped inside.

Make sure your insurance is up-to-date. 

Sure, it might seem obvious coming from us, but insurance is added protection in an unpredictable world. If you have questions about car insurance, reach out to Asset Planning Insurance Agency, LLC at our Johnstown, PA office, or use our quote tool today. 

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How Often Should I Update My Commercial Insurance Inventory?

Any insurance policy you could hope to buy, the fact is that your insurer cannot cover you if they don’t know what you’re covering. When you make upgrades to your car, you tell your insurer. When you make additions to your home, you tell your insurer. And of course, when you upgrade your business, you update your insurer.

So here’s the question: How often should you take inventory and let your commercial insurance provider know how your Johnstown, PA business is doing? There are only two instances that you need to worry about:

  1. You’ve just made a big purchase.
  2. It’s been six months to a year since your last inventory update.

Suppose you’ve just bought a new pizza oven or you’ve just replaced some dining tables. Those are significant purchases, and the sooner you tell your insurer about them, the better.

On that second point, all the miscellaneous purchases we make to keep a business running, from USB drives and coffee machines to potholders and plates, most of it isn’t worth calling your insurer about on the day of purchase. But it all adds up, and you may wake up one day and find that you have hundreds of dollars of unprotected property in your store. So you’ll want to photograph, video, and make a list of all this stuff once every six months to a year, depending on how fast you’re acquiring it.

If you’re looking for a commercial insurance provider for your business in Johnstown, PA, get in touch with Asset Planning Insurance Agency, LLC. Asset Planning Insurance Agency, LLC can get you the protection that you need to keep your business in ship shape.

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How to avoid home insurance claims this spring

The spring season is finally here. The beautiful warm weather comes with many opportunities to get your home back in shape. A few tune-ups, particularly on the outside, can help prevent damages that could have been caused by the winter elements. Frozen or burst pipes, fallen branches, and cracked roofs are quite common in Somerset and Johnstown, PA, and can cause a severe toll on your wallet. 

However, if you have a home insurance policy, you may want to avoid unnecessary claims by taking specific measures. Asset Planning Insurance Agency LLC explains how you can prevent home insurance claims.

Thoroughly inspect the roof

With the warm weather first hitting your roof, you may need to seriously consider checking it from end to end to make sure that there are no cracks or any eye-brow raising damage. Are there any missing shingles? weak spots? or overflowing gutters? If there are any, you can call a professional to fix it before the problem escalates.

Check for uneven flooring

The winter season can be harsh and deadly to your floor and walkways outside your home. It may cause cracks and ugly marks that ultimately make the surface of your home look uneven and irregular. However, you can always save the situation by acting early and smoothening your home’s walkways to reduce the chances of people tripping and getting injured on your property.

Avoid fire hazards

Get rid of the paper clutter and dust that could have accumulated in your home to reduce the chances of starting a fire in your home. Old newspapers and dust are the most common culprits when fires are concerned. As you clean, dispose of or shred unnecessary paperwork to decrease fire risk.

There are many things that you can do to avoid insurance claims during the spring season. If you still need more information on staying safe with home insurance, Asset Planning Insurance Agency LLC is here to help. Feel free to visit us in Johnstown, PA today!

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How Is the Value of a Classic Car Determined?

In Johnstown, PA, classic car owners can rely on the agents of Asset Planning Insurance Agency, LLC to offer them the best advice on insuring their classic car. Classic cars are often some of the most sought after vehicles around, especially the muscle cars. Before restoring a vehicle, it is a good idea to find out its current value. Once the restoration has been completed, you will need to have the vehicle appraised to find out what its insurable value is.

Uniqueness

One of the primary factors in determining value is the vehicle’s uniqueness. If it is one of a kind, you may need to insure it for more than what you would a "cookie-cutter" model or one that is easily found and easier to restore.  

Supply and Demand

Another determining factor has to do with supply and demand. If your car can easily be found in restored condition, the insurable value may be lower than what it would be if there are only a few of your make and model available. The fewer the number, the higher the insurable value will be. 

Replacement Value vs. Sentimental Value

While you may be attached to your vehicle, it’s replacement value will often be far less than what you consider to be its sentimental value. Your vehicle may be regarded as priceless in your eyes, but only worth a few thousand dollars when it comes to replacing it.

The agents at Asset Planning Insurance Agency, LLC can assist Johnstown, PA residents in insuring their classic car. We understand the different variables that need to be considered and will work to find a value that you can live with. Call your agent today and get the answers you are looking for. 

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How Is the Value of a Classic Car Determined?

In Johnstown, PA, classic car owners can rely on the agents of Asset Planning Insurance Agency, LLC to offer them the best advice on insuring their classic car. Classic cars are often some of the most sought after vehicles around, especially the muscle cars. Before restoring a vehicle, it is a good idea to find out its current value. Once the restoration has been completed, you will need to have the vehicle appraised to find out what its insurable value is.

Uniqueness

One of the primary factors in determining value is the vehicle’s uniqueness. If it is one of a kind, you may need to insure it for more than what you would a "cookie-cutter" model or one that is easily found and easier to restore.  

Supply and Demand

Another determining factor has to do with supply and demand. If your car can easily be found in restored condition, the insurable value may be lower than what it would be if there are only a few of your make and model available. The fewer the number, the higher the insurable value will be. 

Replacement Value vs. Sentimental Value

While you may be attached to your vehicle, it’s replacement value will often be far less than what you consider to be its sentimental value. Your vehicle may be regarded as priceless in your eyes, but only worth a few thousand dollars when it comes to replacing it.

The agents at Asset Planning Insurance Agency, LLC can assist Johnstown, PA residents in insuring their classic car. We understand the different variables that need to be considered and will work to find a value that you can live with. Call your agent today and get the answers you are looking for. 

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Why Should You Purchase Renter’s Insurance When You Do Not Own The Property?

Are you are a renter in the Johnstown, PA area?

If so you should call us at Asset Planning Insurance Agency, LLC to discuss your renter insurance needs. Many people who do not own their home do not realize the many perks of having their own insurance policy for their rental. 

Your landlord’s insurance policy will protect them and their assets. This means if the building burns down, or a natural disaster occurs, you may be responsible to cover the losses of your own property. Where does this leave the tenants? The building owner’s policy may cover the cost of a motel rental for the tenants or it may not, but it will not cover the personal belongings of each tenant in any case.

If you purchase your own renter’s insurance policy, then you will be covered for a variety of events that you cannot control. For example, depending on the policy and the circumstances around the event, you may have full personal property compensation and motel stay coverage if your neighbors burn down a shared wall and destroy your entertainment center and paintings. There are many situations where you may have property damage or need to stay in an alternate location and renter’s insurance can help, depending on the details of your personal policy. 

Contact us at Asset Planning Insurance Agency, LLC to discuss your insurance needs in Johnstown, PA. We will be happy to answer any questions you may have about renter’s insurance or any other type of insurance. We love to see our clients fully protected from whatever life may throw their way, and we offer reliable policies for the coverage. 

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What type of insurance coverage does one need for a motorcycle?

Whether you drive your motorcycle across the country or just around the Johnstown, PA area, it is crucial to put in place a comprehensive insurance package that best suits your needs. Not all policies are the same, so it is essential to discuss with your agent at Asset Planning Insurance Agency which coverages are the appropriate ones for your particular needs. 

Liability Coverage 

Liability is the one coverage that you are required to carry by law. Liability coverage will help cover the cost of damages caused to a third party as a result of an accident in which you are at fault. There is a minimum required by law, but like auto insurance, it is wise to carry limits over the requirement. 

Comprehensive and Collision Coverage 

The second type of coverage you will want to consider is comprehensive and collision coverage. Collision coverage will cover the cost to repair or replace your motorcycle in the event you are in an accident. Comprehensive coverage will cover events outside an accident, such as theft or damage caused by a storm. 

Medical Payments 

Even the most skilled motorcycle driver can end up hurt in an accident. Medical coverage will help cover your bills in the event you are in an accident. Injuries as a result of a motorcycle accident can quickly skyrocket, so medical payment coverage is essential coverage to consider. 

Lay-up period

In the event you plan to put your bike in storage for the long Pennsylvania winters, you may want to consider lay-up period coverage, which will protect you in the event your motorcycle is damaged or stolen while it is in storage. It is critical not to drive the bike during this period as you will not have any liability coverage. 

If you would like to learn more about any of these insurance options, please reach out to an agent at Asset Planning Insurance Agency today. We proudly serve the Johnstown, PA area. 

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Is Boat Insurance Necessary During The Winter?

Those who own a boat may not know how important it is to have boat insurance during the warm months when it will be used. Additionally, most who do have insurance are unclear about the need for insurance during the cold weather months. 

Boat Insurance During Winter

Depending on the circumstances, boat insurance may be necessary during the winter months. People who plan to use their boats in the winter are subject to the hazards they might now face during the warm weather months. Having boat insurance in those instances is necessary. However, if the craft is going to be stored or parked on a trailer on personal property until the winter passes, boat insurance may not be necessary. Home insurance will usually cover a boat parked on personal property. If the boat is in commercial dry storage, the liability insurance of the business will cover the boat while it is located on the property. Before making any assumptions, however, make sure to check with the insurance company carrying the home insurance to make sure the craft is protected when parked on personal property. 

Getting the Right Amount of Boat Coverage

It is important to understand exactly how a boat will be protected by insurance during different circumstances. Before moving a boat or putting it in the water, check with an insurance agent to get a clear picture about the insurance policy needed to offer complete coverage. Those who plan to have a boat near Somerset or Johnstown, PA should consult with Asset Planning Insurance Agency, LLC to get an understanding of how to protect the vessel year-round and in a variety of storage circumstances. 

Boat insurance can be complicated without the guidance and assistance of an experienced insurance agent. Call or stop by Asset Planning Insurance Agency LLC, serving Johnstown, PA, to find out more about boat insurance and how to protect from losses. 

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3 ways to Maintain Your Car’s Value

Your car is one of the most valuable items you will ever purchase. For it to maintain its value, you need to take proper care of it. The agents from Asset Planning Insurance Agency, LLC, serve residents who live in Johnstown, PA, and can help you find the auto insurance policies you need. 

Stick to a Regular Maintenance Schedule

One of the most important and useful ways to help your car hold its value is to stick to a regular maintenance schedule. Changing your oil every 3,000 miles is essential. When you get your oil changed, you should also check your air and fuel filters, as well. 

Park in a Garage if Possible

Protect your vehicle and help it hold its value by parking it in a garage or under a carport. Protecting your car from the elements will help to prevent the paint from fading and keep it looking it’s very best. Putting your vehicle in a garage every night also keeps it safe from vandals.

Drive in a Safe Manner

Driving safely reduces wear and tear on your car. It also dramatically reduces your risk of being involved in an accident. Driving at an appropriate speed can also improve your gas mileage. Avoid rough terrain, and don’t slam on your brakes if you can prevent it.

In Johnstown, PA, the agents of Asset Planning Insurance Agency, LLC can provide you with a variety of tips to assist you in caring for your vehicle. The better you care for your car, the longer it will hold its value and provide you with many miles of service.

 

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How Does Umbrella Coverage Work?

Asset Planning Insurance Agency, LLC, works closely with our friends in Somerset and Johnstown, PA to select a reliable insurance policy for all of your assets. Whether you’re insuring your home, auto, business, or anything in between, having the right amount of coverage can make a huge difference during a time of crisis. But what happens when the standard limit to your policy isn’t enough to cover claims made against you? That’s where umbrella coverage comes in.

How It Works

As a type of liability insurance, umbrella coverage is used for situations where you are sued or otherwise held legally accountable for an injury or damage to another party, and the limit of your standard liability insurance is exhausted. In short, it is an extra layer of protection to keep you from having to pay out-of-pocket for legal expenses or damages in a liability case. Without an umbrella policy, you would have to pay the difference once your regular policy reaches its limit.

What It’s Good For

There are many situations where umbrella coverage can be beneficial. Just a few include:

  • Major car accidents where you or a family member are found liable for damages and injury to multiple persons or properties
  • Someone sues you for injuries sustained while on your property
  • Protection in cases of libel, slander, or defamation
  • Coverage for accidents that occur on your commercial property or damage caused by yourself or employees during business operations on another person’s property

Umbrella coverage can also offer a safety net in unique cases where your average policy does not cover the situation at hand. This can include losses from cybercrimes such as hacking and data loss.

If you reside in the Somerset or Johnstown, PA area and are interested in learning more about umbrella insurance, please reach out to Asset Planning Insurance Agency, LLC today!

 

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