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What Type of Auto Insurance Is Required in Pennsylvania?

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Auto insurance provides financial protection to you for covered perils. There are different types of insurance available to cover various risks you face. Not all types are required under the law. However, depending on where you live, you may need to carry coverage for accidents and injuries you cause to others.

At RH Worthington Group, we help those in Milford, PA, and the surrounding areas to get the type of insurance they need, but also that meets all the requirements they face.

What Does Pennsylvania Require in Auto Insurance?

In PA, you must maintain certain minimum coverages for bodily injury liability coverage and property damage liability coverage. Often, it is beneficial to increase the value of the auto insurance coverage you obtain. It adds additional protections for you. These policies cover other people if you cause damage to their property or cause them harm.

Lender Requirements

In addition to PA laws, there are numerous instances in which you must carry additional auto insurance. If you have a loan or if you lease your vehicle, the lender will require that you have full coverage in place. This may include comprehensive coverage to protect against theft and vandalism. You may need collision insurance, which works to protect your vehicle from accident damage you cause. You may also need to have other forms based on the vehicle you have and any added benefits or features on it.

To find out what your lender requires, ask the lender about these requirements. In most situations, these policies protect your assets.

Call RH Worthington Group to discuss auto insurance in Milford, PA. Let us take a look at the coverage best suited for your needs.

What Mortgage Lenders Actually Require From Your Home Insurance Policy

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Understanding your lender’s specific homeowners insurance requirements ensures a smooth mortgage process and protects your investment properly. At RH Worthington Group, serving Milford, PA, we help homebuyers navigate lender requirements while securing comprehensive coverage that meets both mortgage obligations and personal protection needs.

Mandatory Coverage Types and Limits

As a minimum, mortgage lenders typically require coverage equal to the loan amount or the home’s replacement cost, whichever is greater. This protects their financial interest in the property if disaster strikes. Your policy must include coverage for fire, wind, hail, lightning, and other standard perils that could damage or destroy the structure. Lenders also mandate liability coverage, typically with minimum limits of $100,000 to $300,000, though higher limits provide better protection for your assets. Personal property coverage isn’t usually required by lenders, but it protects your belongings and is highly recommended.

Deductible Restrictions and Additional Requirements

Most lenders cap wind and hail deductibles at 2% to 5% of the dwelling coverage amount to ensure reasonable out-of-pocket costs during claims. They require you to maintain continuous coverage throughout the loan term, and any lapses trigger forced-place insurance at significantly higher costs. Your lender must be listed as the mortgagee on your policy, ensuring the lender receives claim payments for covered damages. Some lenders in high-risk areas may require additional coverage like flood insurance or windstorm policies.

Policy Documentation and Renewal Process

Lenders need proof of insurance before closing and typically require annual renewal verification. Late renewals can trigger expensive forced-place coverage that protects only the lender’s interest.

Meeting lender requirements while securing adequate personal protection requires careful policy selection. Contact RH Worthington Group, serving the Milford, PA area, to ensure your homeowners insurance satisfies mortgage requirements and provides comprehensive protection for your property.

Do You Need Commercial Insurance When Starting a Food Truck Business?

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Food truck businesses are a great way to provide convenient and tasty menus to customers in Milford, PA. If you already have a food truck business or are considering opening a mobile diner, let the team at RH Worthington Group help you get the commercial insurance you need. 

Commercial Insurance for Your Food Truck Business

To operate a food truck business in Milford, PA, iyou must have commercial insurance. You will need general liability insurance and commercial auto insurance since you will be accessing public roads.

About General Liability Insurance

General liability insurance is important because it is the financial protection your business needs. If your food truck is involved in an accident that injures a customer, liability insurance steps in to protect your business. Liability insurance also provides protection involving property damage and negligence. 

About Commercial Auto Insurance

Commercial auto insurance is required before you can legally access public roads. Your personal insurance that covers your regular vehicle cannot be used for your commercial vehicle. Commercial auto insurance is necessary to cover accidents, injuries, and property damage resulting from an encounter with your food truck. This insurance also protects against other incidents, such as fires, theft, and electrical hazards.

Other Things You Will Need for a Food Truck Business

Along with general liability insurance and commercial auto insurance, you will also need a business license, food safety permits, and a seller’s permit. 

Contact Us

RH Worthington Group can help ease the stress of choosing commercial insurance. Call us for information about food truck coverage, what you need to operate legally in Milford, PA, and a quote. We have the right recipe for your business needs.

Is Umbrella Insurance the Same as Excess Liability Insurance?

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Umbrella insurance and excess liability insurance both provide secondary liability protection for expensive lawsuits. They may cover legal fees and settlements if a lawsuit’s costs exceed the limits of an underlying policy. These two secondary policies aren’t the same, though. At RH Worthington Group, serving Milford, PA, we help businesses and individuals determine which of these two options is better for their situation.

Excess Liability Insurance Extends One Policy

Excess liability insurance is an extension of a single policy, such as an auto insurance policy, commercial general liability policy, or personal liability coverage (usually part of home or renters insurance). 

Because it’s an extension of just one policy, excess liability only increases the liability limits of that one underlying policy. It must follow the exact terms and exclusions of that policy. If the underlying insurance doesn’t cover a specific type of claim, the excess liability policy won’t cover it either.

Umbrella Insurance Goes Further

Umbrella insurance is broader and more flexible. It increases the liability limits and provides coverage for situations that may not be included in the underlying policies. Even better, umbrella insurance can apply to multiple policies at once, such as home, auto, rental property, or recreational vehicles. This makes umbrella coverage more versatile and a better option for people with multiple assets, and businesses with various risk exposures

Get the Right One

Choosing the wrong coverage could leave you vulnerable. Working with experts ensures you understand what’s covered before a claim happens. If you’re in Milford, PA, and want assistance choosing between these two, contact us at RH Worthington Group. One of our knowledgeable agents will be happy to help make sure you’re well-protected, even if a major lawsuit is filed against you.

Auto Insurance: Coverage Tips for Long Distance Trips

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Having adequate auto insurance is essential when planning a long-distance trip. It’s one way to be a responsible vehicle owner and ensure peace of mind during your travels. Consider the following insurance coverage tips and upgrade your auto insurance plan if needed.

Reviewing Your Travel Plans

Start by reviewing your travel plans. Are you driving a long distance for work, or are you planning a leisurely road trip? Understanding the details of your trip, including the number of passengers and the items you’ll be transporting, can help you determine the type of coverage you need.

Different aspects of your trip may require specific types of insurance coverage. Liability insurance, collision coverage, roadside assistance, and personal possession coverage each offer unique protections tailored to various situations.

Accident Coverage

Accident coverage is crucial for long-distance travel. If your vehicle is involved in an accident, liability insurance or collision insurance can provide financial protection. Liability coverage handles expenses if you cause an accident, while collision coverage covers the costs of repairing your vehicle.

Driving on unfamiliar roads can increase the risk of accidents, making these types of coverage especially important for long trips.

Roadside Assistance Coverage

Roadside assistance coverage is invaluable during emergencies. It covers the cost of services like towing, tire repairs, and other basic repairs needed to get your vehicle back on the road. This type of coverage ensures you’re prepared for unexpected situations that may temporarily turn off your vehicle.

Get an Insurance Assessment

Schedule an insurance assessment with RH Worthington Group. An insurance agent serving Milford, PA, can help you select the right coverage to protect you and your vehicle during future long-distance trips. Contact them today to ensure you’re fully prepared for your travels.

How to Prepare After a Storm with Your Home and Insurance

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If you’ve recently bought a home, you know how much your home and its contents mean to you. Most homeowners recognize the importance of protecting their assets with homeowners’ insurance. If your home is near Milford, PA, our team at the RH Worthington Group encourages you to visit us and discuss your insurance options with our experienced team. We’ve been working with Pennsylvania homeowners like you since 2012.

After the Storm

If your home is damaged or destroyed by a storm, it can feel overwhelming. However, your homeowners’ policy can help you repair and replace some of those damages. According to the Pennsylvania Department of Insurance, you should call your agent as soon as possible after the storm has passed. Keep a record of the date and time of your call, note your claim number, and write down the name of the person you spoke with.

Take pictures of each area where your home has been damaged before making any repairs. Avoid making permanent repairs until the insurance company’s adjuster or inspector has assessed the damage in person. If you must make emergency repairs, keep receipts for any purchases you make. Additionally, check the licenses of any contractors before allowing them to work on your home.

Call Us Today for Your Appointment

We want every client who works with us to receive the best service and the finest insurance coverage. Our team at the RH Worthington Group will help you find the best possible insurance coverage for your home. Homeowners in the Milford, PA, area know they can rely on us for excellent customer support. Call us today to schedule an appointment, and let’s work together to find the right policy for you.

What Forms of Commercial Insurance Does a Church Need?

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Your Milford, PA church may not be a commercial enterprise, but it still requires certain types of commercial insurance. Ensuring that your church is fully covered provides peace of mind, knowing you’ll have support if an unfortunate incident results in structural damage, injuries, or legal action against your place of worship.

Property Damage Coverage

Commercial property damage insurance protects the church structure and its contents. While the included perils vary depending on the policy you choose, most property damage policies cover fire, theft, vandalism, and certain natural disasters. Additionally, you can add endorsements to your policy to address specific needs unique to your church.

Liability Insurance

Liability insurance covers medical expenses and other costs for third parties injured while on your premises. This type of coverage is essential, especially for churches that experience high foot traffic. Choosing a policy with a high liability limit is recommended. Alternatively, you can bundle liability insurance with a commercial umbrella policy to increase your coverage limit for expensive medical bills, settlements, or judgments.

Commercial Auto Insurance

If your church owns vehicles, they must be covered under a commercial auto insurance policy. Additionally, a pastor’s personal vehicle may require commercial insurance if it is regularly used for church activities or if church employees are permitted to drive the vehicle for church-related events.

Contact RH Worthington Group for Assistance

Every church in Milford, PA, is unique and has specific coverage needs. At RH Worthington Group, we specialize in helping our clients assess their insurance needs and select the most suitable coverage options. Contact us today to learn more about our services or to request policy quotes.

How to Get More Liability Coverage With Umbrella Insurance

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Umbrella insurance is a type of supplemental coverage that enhances the protection provided by your existing insurance policies. If you have a home policy and an auto policy, adding an umbrella policy can offer additional coverage without modifying each individual policy. This extra layer of protection is especially useful for covering costly accidents that exceed the limits of your primary policies. With the rising costs of accidents, having umbrella insurance can provide peace of mind. To get started with an umbrella policy, contact us at RH Worthington Group in Milford, PA.

Why Choose Umbrella Insurance for More Liability Coverage?

Home and auto policies often come with limited liability coverage, which may leave you financially vulnerable in the event of a major accident. Medical expenses and other costs continue to rise, making it crucial to have sufficient liability protection. Umbrella insurance adds a substantial layer of liability coverage to both your home and auto policies, ensuring you are better protected. These policies typically offer high maximum payouts, providing robust financial security.

How Umbrella Insurance Covers Overages

If your home or auto policy reaches its maximum payout after an accident, umbrella insurance steps in to cover the remaining costs. This ensures that any overages are paid, so you won’t have to shoulder the financial burden yourself. Umbrella insurance acts as a safety net, providing additional coverage when your primary policies fall short.

Get Started with Umbrella Insurance

If you need more liability coverage, we’re here to help. Contact us today at RH Worthington Group in Milford, PA, to learn more about umbrella insurance and how it can protect you.

Should I Supplement My Auto Insurance with an Umbrella Policy?

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Auto, home, and other forms of personal insurance protect policyholders against the financial impact of accidents and other events, though there are limits to the protection offered. Insurance policies identify the situations they cover and those they do not, and all policies limit the amount paid on a claim. The "policy limit" is usually high enough to cover most claims, but unusually high claims can exceed the policy limit, with the policyholder left responsible for the difference. Umbrella insurance helps solve that problem, so if you have questions about umbrella or other insurance types, contact our RH Worthington Group team, serving the Milford, PA, area.

Covering Your Potential Liabilities

Most auto accidents are relatively minor. Those involved walk away from the accident and have their vehicles repaired, all covered by their insurance policies. However, if you are involved in accidents causing serious injuries or death, you could face a situation where the liabilities exceed your auto policy claim limits. In those situations, you are responsible for the liabilities exceeding the policy limits, which can put your home, savings, and other assets at risk.

Umbrella insurance handles the situation by paying the liabilities that exceed your base policy limits. Since these situations are relatively few, umbrella insurance activates in a limited number of instances, and since umbrella payouts are infrequent, umbrella insurance premiums are low. This means you can affordably protect against the worst-case scenario and gain an extra layer of protection and the peace of mind that comes with it.

Get The RH Worthington Group Difference

Contact the RH Worthington Group team serving the Milford, PA, area to discuss how umbrella insurance can protect your family or business. Call (570) 409-4900 today to schedule an appointment or stop in the office.

When Is Window Damage Covered By Home Insurance?

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A cracked window might seem like a minor issue—until the cold air rushes in or a storm exacerbates it. When it comes to home insurance, understanding what’s covered and what’s not can save you from unexpected expenses. At RH Worthington Group in Milford, PA, we’ve seen firsthand how confusing insurance policies can be, especially when it comes to something as specific as window damage.

Weather, Accidents, and Coverage

In many cases, your home insurance will cover window damage if it is caused by a covered peril. That includes things like hail, windstorms, falling branches, or even a break-in. If your window shatters during a thunderstorm or is broken by a thief, your policy likely covers you. But it’s always a good idea to check the specifics, because every policy is a little different.

Wear and Tear Isn’t Covered

If your window is damaged due to age, poor maintenance, or gradual deterioration, it is usually not covered. Insurance is designed to protect against sudden, unexpected events, not routine upkeep. If a window frame rots over time or the seal fails, you’ll probably need to handle that repair out of pocket.

Filing a Claim Wisely

Before filing a claim, weigh the cost of the damage against your deductible. For minor repairs, it might make more sense to pay out of pocket to avoid a potential rate increase. But for more significant issues, insurance can be a lifesaver.

At RH Worthington Group, proudly providing home insurance to residents in and around the greater Milford, PA area, we’re here to help you understand what your home insurance really covers. Reach out today and let’s make sure your policy fits your needs—windows and all.