Does Your Umbrella Insurance Cover You Out-of-State?

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If you’re a high-net-worth individual in Milford, PA, or indeed anywhere in Pennsylvania, and have assets that can be converted to cash in the amount of $1 million or more, there is a high probability that you need umbrella insurance.

Umbrella insurance enhances the liability coverage on your homes, investment properties, cars, and pleasure vessels, providing protection against high-risk litigation and lawsuits that can leave you liable for judgments far surpassing ordinary coverage. For reasonably priced premiums, umbrella insurance can help safeguard your investment portfolio, college funds, retirement accounts, and savings even if a court finds you liable for a personal injury claim.

One of the questions our high-net-worth customers frequently ask us at the RH Worthington Group is about liability on properties outside the state and for accidents that occur outside the state. So, does your umbrella insurance cover you out-of-state?

You will need your agent at the RH Worthington Group to review your policy, but it’s important to know that many umbrella policies provide worldwide protection.

Even if your regular policy doesn’t cover international incidents, for example, a rental car scampering in France or a yacht crash in Tahiti, your umbrella policy typically will, up to the high stated limits of the policy.

This coverage can be enormously helpful in navigating awkward situations when you or your covered family members travel within the rest of the United States or abroad.

And if you own investment properties in Milford, PA, and other locations in Pennsylvania or anywhere in the United States, your agent at the RH Worthington Group can write a policy that protects you against judgments for tenant and visitor claims at all your investment properties.

Ensure you have the coverage you need. Call RH Worthington Group today to start or review your umbrella policy.

Auto Insurance and Tort Options in Pennsylvania

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RH Worthington Group serves Milford, PA, with auto insurance that helps its residents protect their financial security if they incur injuries in an accident or injure someone else in an accident.

Uninsured And Underinsured Motorist Coverage

By state law, our insurance agency offers uninsured and underinsured motorist coverage. A policyholder can decline this coverage in writing, but we recommend keeping it. Although Pennsylvania considers itself a no-fault state, its drivers can choose one of two tort options if they are involved in an accident. 

  • Limited tort: Under limited tort status, a driver injured in an accident can sue the at-fault party only for medical expenses. 
  • Full tort: Under full tort status, a driver injured in an accident can sue the at-fault party for medical and non-medical costs, such as pain and suffering.

If you do choose to keep the offered uninsured/underinsured motorist coverage, you will need to choose between limited and full tort coverage when you purchase your policy. 

What Your Choice Means 

Although it may seem odd, you choose in advance whether your coverage will allow you to sue a driver under limited or full tort status. The insurance option you choose applies to every accident you’re involved in. When you renew your insurance at six months or one year, you can upgrade your coverage from limited to full tort. 

Customize Your Auto Insurance Today 

Call or email RH Worthington Group to upgrade your auto insurance. Let us help you protect your financial security while traveling in and around Milford, PA. Our insurance agents can help you design a policy that appropriately protects your finances so you don’t have to pay out of pocket for damage to your vehicle or medical injuries if you’re involved in an accident. 

My dog bit my neighbor. Will my homeowners’ insurance cover their medical care?

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Homeowners Insurance: The Comprehensive Protection Plan

Homeowners insurance offers manifold benefits, protecting various aspects of your home, including items inside it and structures on the property. Due to its extensive coverage, determining the exact scope of your homeowners’ policy can be a tad challenging. Our team at RH Worthington Group, committed to serving the homeowners in Milford, PA, aims to address this with extensive policy guidance.

What do Homeowners’ Insurance Policies Cover?

Homeowners’ insurance is your shield against losses and liabilities arising from unforeseen events. It covers incidents like fires, burglaries, vandalism, and more. It is not limited to your home; it extends its coverage to other structures on your property.

Housing multiple branches of coverage under its umbrella, homeowners’ insurance compensates you for repairing, replacing, or rebuilding your home, should the need arise. Furthermore, it indemnifies you if an incident on your property harms others, potentially paying for their injuries or damaged property.

Does Homeowners’ Insurance Cover Medical Care Following a Dog Bite?

It might. If your homeowner’s policy includes the incident in its coverage, your insurance will cover your neighbors’ medical bills and damaged property. This would be covered under the liability portion of the homeowner’s insurance.

In addition to covering property and personal damages, homeowners’ insurance offers legal protection. It provides invaluable financial support in the event of a lawsuit.

Summing It Up

Homeowners insurance can be multifaceted and complex, but it offers many essential protections. Do not hesitate to contact us at RH Worthington Group with any questions about homeowners insurance. Our dedicated team will be delighted to help you understand your coverage options.

Unique Types of Commercial Insurance Products You May Not Know About

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As businesses in Milford, PA, and beyond strive for stability and growth, safeguarding their operations is paramount. While many are familiar with traditional insurance products, there’s a realm of specialized coverage options that can provide tailored protection for unique risks. At RH Worthington Group, we understand the diverse needs of businesses, offering comprehensive insurance solutions to mitigate unforeseen challenges.

  1. Cyber Liability Insurance: Cyber attack threats loom large in today’s digital landscape. Cyber liability insurance helps businesses recover from data breaches, cyber extortion, and other digital threats. It covers expenses related to data recovery, legal fees, and customer notifications, offering crucial protection in an increasingly interconnected world.

  2. Product Recall Insurance: Product recalls can spell significant financial losses and damage to a brand’s reputation. Product recall insurance assists businesses in managing the costs associated with recalling defective products, including notification, shipping, and disposal expenses. It also covers potential liabilities arising from the recall, providing peace of mind to manufacturers and distributors.

  3. Employment Practices Liability Insurance (EPLI): Employment-related disputes, such as wrongful termination or discrimination claims, can arise unexpectedly, posing substantial legal and financial risks to businesses. EPLI protects companies from the financial consequences of such claims, including legal defense costs and settlement payments, helping them navigate complex employment law issues.

At RH Worthington Group, we specialize in crafting insurance solutions tailored to the unique needs of businesses in Milford, PA, and beyond. Our dedicated team works closely with clients to assess their risks and develop comprehensive coverage plans that offer peace of mind and financial security. Ready to explore your commercial insurance options? Contact RH Worthington Group today for personalized guidance and a competitive price quote. 

Is umbrella insurance only for the rich?

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Umbrella insurance is a type of insurance that many people don’t understand. The name itself is confusing. It certainly is not insurance for your umbrella. But what exactly is it and who should have it remains elusive. At RH Worthington Group in Milford, PA, we are independent insurance agents who work for our customers, and we will provide the information and service you require when making insurance decisions. 

What is umbrella insurance?

Umbrella insurance is excess liability coverage. It helps to give you more liability protection than the basic policy that you have. Think of insurance as an umbrella, and your assets are you. The umbrella protects you from the rain, and an umbrella policy protects your assets from legal action against them, whether you are rich or have normal assets. 

How does it work?

When legal action is taken against you, the policy that you have with liability coverage will cover up to the policy’s limit. This can be a home, auto, condo, motorcycle, boat, or other policy with liability cover. It is excess coverage, so you must have a policy with liability for it to add additional coverage. It kicks in when you reach your primary policy limit. 

Who can benefit from it?

Umbrella insurance is not only for the rich. It is beneficial to anyone who has assets of any sort. You work hard for all the things that you own and the money that you have saved. If you don’t have enough coverage to protect yourself, getting sued could ruin your life. Umbrella insurance provides the extra help you need. 

Get in touch

Contact the team at RH Worthington Group in Milford, PA, if you have questions about umbrella insurance. Give our office a call to make an appointment today. 

Auto Insurance Essentials: Your Quick Primer on Coverage

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In the complex realm of auto insurance, nuances are crucial. RH Worthington Group in Milford, PA is here to simplify. Let’s delve into the fundamentals of auto insurance coverage, focusing on specific types and shedding light on key definitions like medical auto insurance versus collision insurance for car damage.

Decoding Coverage

Auto insurance comprises various coverage types, each with a purpose. At RH Worthington Group, we prioritize clarity in coverage:

  • Liability Coverage: Protects you if you’re at fault in an accident, covering bodily injury and property damage expenses for others.
  • Collision Coverage: Addresses damage to your vehicle resulting from collisions.
  • Comprehensive Coverage: Safeguards your vehicle against non-collision incidents, including theft, vandalism, natural disasters, or collisions with animals.
  • Medical Payments Coverage: Takes care of medical expenses for you and your passengers, irrespective of fault, alleviating the burden of healthcare costs.

Understanding Medical Auto Insurance vs. Collision Insurance

Medical Auto Insurance:

This coverage caters to medical expenses for injuries sustained in an auto accident. It extends beyond your health insurance, covering ambulance fees, hospital stays, surgeries, and rehabilitation costs. RH Worthington Group ensures your medical auto insurance is comprehensive, providing adequate protection for you and your passengers.

Collision Insurance:

Designed to address damages to your vehicle resulting from collisions, collision insurance covers repair or replacement costs. RH Worthington Group emphasizes the importance of collision coverage, especially for newer or valuable vehicles, offering financial security.

Choosing RH Worthington Group: Your Partner in Protection

RH Worthington Group stands out as a reliable partner in auto insurance. With a focus on customization and transparency, our team ensures you grasp the nuances of your coverage. Connect with us in Milford, PA and embark on a journey to secure, informed, and personalized auto insurance. Drive confidently, backed by the expertise and commitment of RH Worthington Group.

I Work From Home. Does That Change Home Insurance?

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There are a lot of ways to make a living in Milford, PA, and these days, working from home is fairly common. If you’re in that group, you might not have considered how your work arrangement impacts your home insurance needs. That’s why we at RH Worthington Group made this little explainer for you.

What You Need To Know

Working from home comes in a lot of varieties, and the nature of how you work from home really determines the answer to this question. Let’s consider a scenario. Say you work as a paralegal, and you get a few work-from-home days a month where you don’t have to go to the office. On those days, you use your own devices to get the work done. You don’t have any special equipment or anything for the job. It’s just another day at home, but you’re doing remote work.

In this scenario, your home insurance doesn’t need to change at all, and that’s because the nature of your work is not changing your liabilities or assets. No one comes to your house for the sake of the business. You don’t hold onto any equipment or inventory for anyone. It’s straightforward, and many, many work-from-home positions fit this bill.

Still, there are other scenarios, and they can change your home insurance. Let’s consider scenario two, where you keep inventory at your house. A lot of sales positions might go this route. If you keep inventory at the house, that changes the assets that you need insured, and that could impact your home insurance.

A different work-from-home position might end up having everyone from the office piled around your dining room table to catch up on a big project. More than a few small law firms have gone this route over the years. In this case, you’re having people over for the sake of work, and that raises your liabilities.

Consult With Us

In either of these cases, you need to have a talk about your home insurance with your RH Worthington Group representative. You might need to increase the insurance on your Milford, PA, home. You might instead look at small business insurance plans. It’s very case-by-case, and that’s why a conversation goes a long way.

Benefits of Keeping Your Commercial Building’s Exterior Maintained

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As a business owner, it is easy to get caught up in your operational tasks and overlook the exterior of your building. This could damage your business, so you want to ensure you are maintaining the building and lawn and reaping the benefits of this practice. RH Worthington Group serving the greater Milford, PA area is here to help.

Improve First Impression

This is especially important for businesses with customers visiting or driving by regularly. Maintaining the exterior of the building gives the impression that you are organized, caring, and proud of the services you provide.

Customers are more trusting of a maintained property than one that is unkempt. For some customers, this could give the impression that your business is not open and they need to visit with a competitor. 

Prevent Liability Situations

By keeping the lawn mowed and manicured, you are keeping clear walkways that protect employees and customers alike when they are on the property. Unwanted debris can cause accidents or property damage if blown into a vehicle or cause someone to trip. 

Other practices like power washing can keep mildew and other allergen agents from gathering on the building and causing employees to become sick. When you maintain the property, you can see issues start to develop and get them fixed before someone gets hurt. 

Reduce Expensive Maintenance Repairs

By keeping up with small maintenance practices, you can avoid having to pay lots of money for repairs on the property and getting the most out of the building. Regular power washing, painting, and small wood repairs on decks can prolong the life of the building. 

Properties that are neglected with maintenance often need to be restored sooner than if they were maintained. When you let vegetation overrun the property, it can break down the wood, requiring total replacements. 

Schedule A Consultation Today

If you are a business owner in the Milford, PA area, contact RH Worthington Group today for a commercial insurance quote.

What Does Umbrella Insurance Cover?

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Umbrella insurance is a type of liability insurance that provides an extra layer of protection beyond the coverage limits of your existing home, auto, or other primary insurance policies. It is basically a safety net of sorts that offers extended coverage to the policies you already have in place. Our agents at the RH Worthington Group serving the Milford, PA area alright explaining the importance of having this extra layer of protection along with your other insurance policies.

What Does Umbrella Insurance Cover?

For one thing, umbrella insurance can help you out when it comes to personal liability. This means if you’re found to be responsible for causing an injury to someone or damaging their property, umbrella insurance can help you cover not only their medical bills when they exceed your original policy but also legal fees and even legal settlements if necessary.

Umbrella insurance added to your auto liability policy can come in handy if you are at fault in a very serious auto accident. Your umbrella insurance can cover medical expenses, property damage, and legal fees that exceed what is already included in your auto liability insurance policy.

If you add umbrella insurance to your home liability policy, it will come in handy if someone is injured while they are on your property, For example, if your dog bites someone and their medical expenses exceed your homeowners or renters insurance limits, your umbrella insurance will pick up the rest.

An umbrella policy can even cover if you are possibly arrested or detained for some reason as well as if you are sued for slander or libel.

Consult With Us

To add an umbrella insurance policy to your existing policies, call upon our experienced and knowledgeable agents at the RH Worthington Group serving the Milford, PA area today!

Ways to Secure Your Vehicle When Traveling

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When residents of Milford, PA travel to the bigger cities like Philadephia or New York City, there are some ways you need to secure your vehicle so that you are protected when traveling. 

Securing Your Vehicle

1. Park in Well-Lit and Secured Areas

If you are heading to one of these larger cities, it is vital that you spend a few extra dollars and choose well-lit and secured areas. These parking areas will either have an attendant on-site or have cameras that will deter your vehicle from being damaged. Parking lots with lots of light make it difficult to smash and steal a vehicle without being seen. 

2. Hide Your Valuables

If you have electronics, a purse, or other valuable items when traveling, make sure they are out of sight. Those who want to break in are looking for something quick to grab and run. If they do not see anything valuable in your car, they will probably move on to the next. 

3. Secure Your Windows

While you may habitually lock your car, it is important to make sure the windows are also rolled up. If the windows are cracked at all, it is much easier for thieves to break in undetected and steal your property or even the entire car. 

4. Don’t Leave Your Vehicle Running

Even if you lock your car and plan to use the key FOB or code to get back in, you are setting yourself up for disaster. A running car is easy to break into and take off with. If you leave your keys in the car to crank it, even for just a few minutes to defrost, that is all it takes to steal it. 

RH Worthington Group Is Here To Help

Even with all these tips, you could still be a victim. Secure your vehicle today with auto insurance from RH Worthington Group serving the greater Milford, PA community.