Is Your Car Too Old For Comprehensive Coverage?

Posted on March 29, 2024March 19, 2024 by agentinsure

At Stalwart Insurance, we are proud to help Pittsburg, PA, area drivers by insuring various types of vehicles. We can insure new cars and trucks, modified vehicles, and classic and restored cars. We insure luxury vehicles along with daily drivers.

One of the most frequent questions we get involves when an owner should switch from comprehensive insurance to less expensive liability coverage only. Here are some things to consider:

Do You Have a Loan on Your Car?

If you are making payments on your vehicle, your lender is likely to require you to have comprehensive coverage. Switching to liability insurance may not be an option for you at this time.

What Is Your Vehicle Worth?

It can help to monitor your vehicle’s book value. This will give you an idea of the maximum value you will receive should your car be "totaled," minus your deductible.

Does The Difference in Your Premium Make Sense?

Check the difference between the premium for comprehensive coverage and basic liability coverage. Some suggest if the premium is over 10% of the value of your vehicle, you should consider shifting to liability only.

Make a Move That Makes Sense For You

Of course, everyone’s situation is a little different. Base your decision on your financial situation and risks. If you would like to discuss your options, contact us.

Get a Quote Today

An excellent place to start is by comparing coverage and costs. Contact Stalwart Insurance LLC of Pittsburgh, PA, for a no-obligation car insurance review and price quote. Of course, the decision is always yours.

We look forward to assisting you.

I Purchased Life Insurance. Now What?

Posted on February 15, 2024February 14, 2024 by agentinsure

So, you finally did it. You realize you aren’t immortal. You also realized that if you died, that would severely financially inconvenience your family. So, you bought life insurance. For the most part, all you have to do is pay your monthly premiums and not commit suicide for the next two years. There are a few things you may want to tell your beneficiaries so that they can collect when the time comes.

What Your Beneficiary Needs

When the time comes, your beneficiary will need to get a copy of your death certificate. It’s a good idea for them to have a few copies of this. It’s also important that your beneficiary contacts the insurance company as soon as they can. They will need the claim form, too, so they can get to it. If you keep it in a safe, ensure they know the combination or have a copy of the key. (Notice that psychics who claim to talk to the dead never seem to know lock combinations.) Generally, the claim will be paid within 30 days of the insurer receiving the necessary documents. Make sure your beneficiary knows who you’re insured with.

What Is Covered

Your beneficiaries will be compensated in the event of just about any form of death. The only exceptions are suicide within two years of purchase of the policy and homicide at the hands of the beneficiary.

Contact Stalwart Insurance Serving Pittsburgh, PA

If you live in the Pittsburgh, PA, area and are looking into purchasing life insurance, please get in touch with Stalwart Insurance. Our sagacious and courteous agents will do all they can to help you get what you need and help your beneficiaries collect what they deserve.

Tips for making and storing a home inventory

Posted on January 30, 2024January 30, 2024 by agentinsure

A home inventory is one of those things that is vastly underappreciated until you actually need it. If a significant peril hits your home and you suffer severe damage, trying to put together a list of all your content will be a major stressor, especially when you don’t have the items to look at. At Stalwart Insurance in Pittsburgh, PA, we will be here with you through the good times and the bad to help you in any way we can.

A home inventory lists everything you have and any additional outbuildings. You will need a pad, pen, and your phone or camera. You need to go from room to room, open any closets, drawers, and cabinets, and write down the contents. Give as much detail as possible, write any serial or model numbers, and attach receipts or sales slips. Take pictures of the room from a few different angles.

Do this for every room, and don’t forget to go into the garage, the basement, and the attic. The more information you write down, the better. You will be glad later if you ever need to use it.

Storing your home inventory

How and where you store your home inventory is almost as important as the process of making it. It needs to be somewhere easily accessible and also safe from whatever peril your home has sustained. Keeping it in a safe deposit box is one good option. In addition, a copy should be available in the cloud so you can get to it quickly, no matter where you are.

Our independent insurance agents at Stalwart Insurance in Pittsburgh, PA are ready to offer any home insurance help. Give us a call today.

The Pizza Guy Tripped Down The Stairs, Now What Do I Do?

Posted on December 29, 2023December 29, 2023 by agentinsure

So you finally moved out of your parents’ house. You found an apartment in your budget. It’s on the second floor of a complex, but it’s private, and you’ve got a front patio with a great view if you like views of parking lots. You have got a job, and you’re paying your own way. Your parents encouraged you to get renters’ insurance, so you did. One evening, you didn’t feel like cooking and ordered pizza. You got your pizza, but immediately afterward, the delivery guy slipped on his way down the stairs. Now what?

Do First Aid

First, put down the pizza and see if the delivery guy’s OK. If he’s unconscious, call 911. Even if he’s unconscious but comes to, call 911. Ask if he’s hurt anywhere. Treat anything that’s obviously bleeding. Fractures must be handled gingerly and only treated by a professional. Don’t let him move around too much, as he may have a spine or neck injury. The 911 operator will give you full instructions based on the situation. Keep him still and breathing. You may need a pillow to keep his head in one place. If he wants to call his employer or family, assist him so he doesn’t move too much. If your landlord is on the premises, you can inform him that an ambulance is coming and why.

Assess the Situation

While the paramedics handle the delivery guy, you can assess what caused the fall. Is anything on the stairwell broken? Too icy? An item carelessly left there? Take pictures. As soon as you can, let your landlord know what happened. Contact your renters’ insurance company. Have your policy number ready, along with other useful documentation. The pizza guy will want workers’ compensation, and if the pizzeria doesn’t have commercial insurance, they’ll try to get money from somewhere else, but you’ll be ready.

Stalwart Insurance Serving Pittsburgh, PA

If you need renters insurance and are in the Pittsburgh, PA area, don’t hesitate to contact Stalwart Insurance. We’re here to help.

Umbrella Insurance for Renters: An Often-Overlooked Coverage Option

Posted on November 29, 2023November 29, 2023 by agentinsure

Regarding insurance, renters often focus on the basics, such as renter’s insurance, which covers personal property and liability within their rental property. While this is essential, umbrella insurance is another valuable coverage option that many renters often overlook.

Umbrella insurance acts as a backup plan, offering an extra layer of security beyond the standard renter’s insurance policy. It’s there to shield renters during those unfortunate situations when a liability claim surpasses the limits of the primary coverage. Here are some compelling reasons why renters should consider adding umbrella insurance to our protection plan:

Stronger Liability Protection: Umbrella insurance provides additional coverage to safeguard one’s assets and any future earnings.
A Peace of Mind: This added protection doesn’t break the bank. With a reasonable premium, one can relax knowing that financial security is set in place in case of a major crisis event.
Global Coverage: It’s not just limited to your rental property; umbrella insurance also extends the liability coverage. Whether you’re at home or traveling, you’re protected.
Prepare for Life’s Surprises: Life can be unpredictable, and accidents can happen at the least fortunate time frame. Umbrella insurance ensures you’re prepared for unexpected events that might lead to costly endeavors.
Protecting Assets: If you have savings, investments, or future earnings you’d like to protect, an umbrella policy will help secure your financial well-being in case of a significant liability claim.

Don’t delay taking the next step toward securing your financial future.

This small investment can offer substantial protection when life throws a curveball. Contact Stalwart Insurance in Pittsburgh, PA, and serving the surrounding areas today. Your financial peace of mind is worth this additional layer of security. Reach out today.

Is it a good idea to get a flood insurance in Pittsburgh?

Posted on October 30, 2023October 30, 2023 by agentinsure

Real estate can be an excellent investment if you are in the Pittsburgh, PA area. When you are in this part of the state, it is essential that you always have the right insurance for your property. In many cases, this can include having a full flood insurance plan. There are many reasons why it is a good idea to get a proper flood insurance policy when in this part of Pennsylvania.

Offset Potential Flood Damage

A reason to have flood insurance when you are in this area is to offset the risk of flood damage. If you have ever had a home damaged by floodwaters, you will know how serious of an issue it can be. In many cases, you will not have protection for this risk through a normal home insurance policy. However, if you do have flood coverage, it will provide the support you need to make repairs following flood damage.

Comply with Lender Requirements

You may also want to have a flood insurance plan so you can comply with various lender requirements. If your lender determines that your home is in a high-risk flood zone, the lender will likely require that you carry insurance. This coverage will ensure that you have support to cover flood damage, which will help the lender protect their collateral. In many situations, you will need to have these payments escrowed each month.

A flood insurance policy is a good form of coverage if you are in the Pittsburgh, PA area. When you are looking for this type of insurance here, you can begin your search by calling our team with Stalwart Insurance. Our insurance professionals at Stalwart Insurance know the value of this coverage and can help you build the right policy that protects you and your home.

Vintage Cars and Auto Shows: Insurance Tips for Displaying Your Classics

Posted on September 29, 2023September 29, 2023 by agentinsure

Whether attending an auto show, participating in a car parade, or simply displaying your classic pride and joy, protecting your investment with the right insurance is crucial in the Pittsburgh, PA area.

Specialized Classic Car Insurance

When insuring vintage cars, a standard auto insurance policy may not provide the coverage necessary to protect these unique vehicles adequately. Consider obtaining specialized classic car insurance tailored to the needs of vintage and antique automobiles.

Agreed Value Coverage

This insurance offers a value that is agreed upon by both parties, the insurance company and the owner. The classic car’s value is agreed upon upfront before the underwriting takes place, considering factors like the car’s rarity, condition, and modifications.

Usage Restrictions

Classic car insurance comes with usage restrictions. These policies are designed for vehicles that are not used as daily drivers. Some insurances only allow the usage on Sundays or the weekends.

Storage and Security

Keeping your vintage car safe is crucial. Most classic car insurance policies require that your vehicle be stored in a secure, climate-controlled environment when unused. Additionally, having security measures like alarms, tracking devices, and secure storage can often lead to lower insurance premiums.

Coverage for Auto Shows and Events

If you plan to display your vintage car at auto shows, parades, or events, ensure your insurance covers these activities. Some classic car insurance policies offer event-specific coverage to protect your vehicle during transit and display.

Documentation and Appraisals

Maintain thorough documentation of your vintage car’s condition, modifications, and restoration work. Recent appraisals and photographs can help substantiate your car’s value and condition for insurance purposes.

Stalwart Insurance Can Help You with Classic Car Insurance

At Stalwart Insurance, we can help answer questions concerning classic car insurance. We serve the Pittsburgh, PA area. Contact us today.

Keeping your home safe while you are away

Posted on August 30, 2023August 30, 2023 by agentinsure

Today, with all the available personal electronic devices, it is easier than ever to keep your home safe while you are away. At Stalwart Insurance in Pittsburgh, PA, we offer you the home insurance you need to protect your home all the time, not just when you are away.

Home security system

It used to cost a lot to install a home security system, making it too expensive for many average people. Today, you can install a doorbell camera that you can monitor with your cell phone for a very affordable price. It is simple to install and simple to monitor. You can place one at any entrance you want. Cameras can also be installed inside your home that you can also monitor with your phone. You can have a system to call the police if someone enters your home.

Don’t talk on social media.

Don’t announce your vacation or business plans on social media. For some people, it is an invitation to break in. If you want to share vacation pictures, do so when you return.

Let someone know you will be away.

If you are friendly with your neighbors, let someone know you will be away. They don’t need to do anything, but if you are friends, they can pick up your mail and ensure everything looks as it should.

Install motion lights

Motion lights around your home will turn on when any motion is within their range. This may be enough to deter anyone who is counting on the dark to be able to approach your home undetected. These can be solar or electric-powered.

Contact Stalwart Insurance in Pittsburgh, PA when you need to renew your home insurance or have questions about home coverage.

High-Risk Auto Insurance: Options for Drivers with Challenging Records

Posted on July 30, 2023July 30, 2023 by agentinsure

Are you a driver with a challenging driving record? Have you been labeled high-risk by insurance providers? Stalwart Insurance can help if you are in Pittsburgh, PA. You still have options to acquire the necessary insurance coverage to drive on the roads legally.

Insurance providers label drivers as high-risk for various reasons like accidents, tickets, or DUI charges. Once considered high-risk, drivers face a significant challenge to get the required auto insurance coverage.

However, you have options! In Pennsylvania, high-risk drivers can access the Pennsylvania Assigned Risk Plan (PAARP), a safety net for drivers turned away by insurance providers. The program ensures that every high-risk driver has access to insurance coverage to drive legally.

Another choice for drivers labeled high-risk is non-standard insurance companies. These companies offer insurance coverage to drivers with challenging records, often at higher rates than standard insurance plans. High-risk drivers should be careful when choosing non-standard insurance companies and ensure that the company is registered with the Pennsylvania Insurance Department to avoid scams and for protection in case of fraudulent activities.

If you have a challenging driving record, consider improving your driving skills. The Pennsylvania Department of Transportation (PennDOT) offers the PennDOT Mature Driver Improvement Program, designed explicitly for licensed operators aged 55 and over. Completing the program can lead to a discount on your insurance premium, and most insurance companies in Pennsylvania accept the certificate of completion.

In conclusion, being labeled high-risk by insurance providers does not mean you cannot drive legally. Pittsburgh, PA drivers should explore their options and make informed decisions. PAARP, non-standard insurance companies, improving driving skills, and carrying adequate liability coverage are all viable options for drivers with challenging records. Don’t wait. Contact Stalwart Insurance today to get the coverage you need.

What renter’s insurance covers

Posted on June 27, 2023June 27, 2023 by agentinsure

Renter’s insurance is an excellent way for tenants to protect their personal belongings in case of theft, fire, or other natural disasters here in the Pittsburgh, PA area. Coverage from Stalwart Insurance typically includes personal property, such as furniture and clothing, as well as liability protection in case someone is injured at your residence or if you accidentally damage someone else’s property. Renter’s insurance also covers additional living expenses if you must temporarily relocate due to an insured loss. You may also be offered optional coverage for things like computers, jewelry, guns, and antiques.

The cost of renter’s insurance is usually significantly less than homeowner’s insurance and provides a greater peace of mind knowing that your valuable items are protected. Before signing up for a policy, consult with your landlord to see which types of losses are covered under the policy – some may not cover earthquake or flood damage. It’s also a good idea to take pictures of your property and its contents or keep an inventory list to have a record in case something happens. Research the different types of renter’s insurance available and choose the one that works best for your situation. Taking advantage of these policies can help protect you from the unexpected.

Overall, renter’s insurance is a significant investment to consider as it can provide more financial security in case of unforeseen circumstances. It’s worth researching what type of policy best meets your needs so that you can proactively protect your belongings from disaster and theft.

For more tips, give us at Stalwart Insurance a call today. We proudly serve the Pittsburgh, PA area and would happily help you find a policy that suits your needs and budget.

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