- Auto InsuranceOne of the most significant budget items you can have is car insurance. This is particularly true if you have more than one vehicle. Numerous factors determine what your final cost will be. Where you live, how often you drive, whether you are driving for work or personal reasons, your driving history, type of vehicle – the list goes on. Finding ways to save on your auto insurance should be a top priority. Here are a few ways to reduce your auto insurance bill.
- Motorcycle InsuranceNo matter where you are in the motorcycle buying journey, Rumbaugh Insurance is ready to help you find the best motorcycle insurance.
- Boat InsuranceNote: Umbrella insurance does not cover your own injuries or property damage; health and automobile insurance are the coverage needed for those circumstances. Boats, depending on the size, may also not be covered unless you have an existing boat insurance policy.
- RV Insurance
- ATV InsuranceWhat’s the difference between an ATV, four-wheeler, Gator, and a dirt bike? If you’re an ATV insurance policy, there is absolutely no difference. For example, did you know that ATV’s, also known as 4-wheelers, don’t always have four wheels? All-Terrain Vehicles (ATV) can have two wheels, such as dirt bikes, and up to six wheels for some utility vehicles like Gators. The point is, all these types of off-road vehicles are classified as ATVs, and they all need the proper insurance coverage.
- Inland Marine Insurance
- Renters InsuranceDo you currently rent an apartment or home? Renters in the Hanover, PA and surrounding areas continue to see their rent increase. Too often they choose to skip buying renters insurance to save money. According to III, 95% of home owners have insurance, but only 41% of renters have insurance on their personal belongings. Not buying renters insurance is a big risk and one you can’t afford to make. Especially since renters insurance is relatively inexpensive.
- Home InsuranceSome people may consider canceling their homeowners policy because they have not had to use it. It may even be viewed as wasted money. Stop right there. Homeowners insurance is not where you want to start. There are several reasons not to cancel your policy including potential accidents and injury on your property. Simply having things like trampolines, playsets, and pools on your property increase risk of injury and accidents, and having a homeowners policy in place greatly reduces financial strain should an accident occur. In addition, once you cancel a policy, you may not have an easy time getting one in the future if there are reported accidents on your property.
- Life InsuranceOne quick way to save money on your insurance is to bundle your homeowners insurance with your auto and life insurance policies. By bundling all your policies under one provider, you will get a significant discount. This discount varies from provider to provider, but all companies reward their clients for loyalty. Check with your local insurance agent to see what savings you can realize by bundling.
- Health InsuranceLet’s do some myth-busting first. ATV’s are NOT covered under your homeowners policy; the same goes for your auto insurance policy. You may also want to check with your health insurance policy to find out if it covers accidents that involve ATV’s. Some do not. The point is, do not ride blindly into the sunset assuming that the insurance policies you currently have will cover any ATV mishaps. Proper ATV insurance is essential and very similar to your auto insurance policy (although not covered under that policy). If you own an ATV, here’s what you need to look for in an ATV policy at the bare minimum...
- Business InsuranceRunning a home-based business offers many benefits. No commute, no dress code, and fewer expenses. It’s no surprise that more than half of small businesses are home-based. That doesn’t include the 55 million Americans that offer freelance services out of their home. Or the growing number of direct sales representatives. What is surprising is that more than 60 percent don’t have the right business insurance in place which means they can lose everything in the blink of an eye.
- Commercial Property InsuranceBusiness property insurance covers fire, theft, water damage, and vandalism. Each of these incidents is unplanned and can force you to close your doors with no protection. Your insurance will help you rebuild what is lost – building, computers, tools, and signs are a few examples to think about.
- Workers Compensation InsuranceWorkers' compensation pays for medical expenses, lost wages, and even death benefits to spouses and dependents. It even provides coverage for workplace illness and rehabilitation. Some employees will see this as a massive benefit versus a business who may not carry workers’ compensation. An employee would be taking a significant risk working for a company that does not carry some coverage in case they become hurt.
- Commercial Liability InsuranceLiability – A farmowners policy will provide personal liability for you and your family. If you are running an agribusiness that sells produce or has any seasonal festivities, we will want to make sure you have commercial liability coverage as well. Any time there is a business income produced by your farm, it is necessary to have this coverage.
- Professional Liability InsuranceThere are some other important coverages to consider which include professional liability, bonds, and errors & omissions. Contact us today so we can discuss your situation and recommend a protection plan that covers your contractor business.
- Restaurant InsuranceIt is a unique feeling owning a restaurant and making people feel good with food. After all, what is better to cure a case of the blues than some excellent cooking? Especially when you don’t have to cook yourself. Owning a restaurant can be scary, though, when it comes to possible claims and insurance coverage. Here are 4 common exclusions in a restaurant insurance policy that you should be aware of...
- Liability InsuranceSound familiar? It’s your first thought every time you talk to your agent about your insurance needs. You’re not alone. Chances are, if you have a really good insurance agent, they are doing their best to make sure your assets and family are fully protected. Personal Umbrella insurance is a policy that most individuals don’t have. In fact, most aren’t even aware it exists, but it is a valuable addition to your family’s financial plan.
- Flood InsuranceA flood insurance policy pays costs associated with flood damage including repairs, rebuilding, and replacement of your belongings. The average flood claim costs homeowners $39,000 according to Bankrate.com which most individuals don’t have on hand.