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Stalwart Insurance

2550 Boyce Plaza Road
Pittsburgh, PA 15241

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How Does Home Insurance Work?

If you own your own home, it’s vital that you keep it protected with home insurance. This insurance typically comes with several types of coverage that protect you in different ways. If you need home insurance, don’t wait. Call us at Stalwart Insurance in Pittsburgh, PA.

House Protection

Part of the protection that you get from your home insurance is protection for the house. This coverage protects against a wide range of risks such as certain disasters. It is important to have this protection because of how expensive it can be to make major repairs to your home. It can cost tens of thousands of dollars, or even more, to get your home repaired after a major incident occurs. 

Item Protection

The items inside your home are worth a lot, and you need coverage for them. Your home insurance policy will also have protection for your belongings. This can save you from having to pay for everything to be replaced by yourself. It helps you to get back to where you were before the incident happened that ruined your items. Without this protection, you might have to start over again with no belongings. 

Liability Protection

Another part of a home insurance policy is for your liability. If someone were to come to your property and have an accident while there, you are likely to be liable for the medical bills. With home insurance, that can be paid by the policy instead of it coming from your pocket. Many people don’t think much about this coverage, but when you need it, it’s much better to have it in place.

Protect Your Home

If you don’t have home insurance in place, it’s time to get a policy. Give us a call today at Stalwart Insurance in Pittsburgh, PA to find out more. 

How is renters insurance different from home insurance?

As a renter, you probably have a lot less responsibility than a homeowner. But you still own things and that means you need insurance to protect what you own and what you have. Life comes with risks and anticipating those risks and being prepared for them gives you peace of mind. At Stalwart Insurance in Pittsburgh, PA, we are committed to delivering insurance solutions. We work for our clients, not the insurance company, and we won’t stop until we make sure you get exactly what you want and need. 

The biggest difference between renters’ insurance and home insurance is property coverage. As a homeowner, you need to insure the building itself. As a renter, since you don’t own the building you don’t need to cover it, that falls to your landlord. but, if you are assuming that your landlord has any insurance that protects you, you are misguided. Your personal items are your responsibility. 

Renters insurance usually includes three types of coverage; liability, contents, and loss of use. All of these provide valuable protection. 

Content coverage protects your furniture, electronics, clothes etc. They are covered in your rental and also when they are with you away from home. You have two options for coverage; the actual value, and the replacement cost. 

Liability coverage protects you if someone is injured at your rental or by a member of your family. It pays for medical as well as legal expenses. 

Loss of use will be a big help if your rental is damaged and you need a place to stay until your rental is habitable again. It pays for a hotel and a short-term rental if that is needed. 

When you want to discuss renters insurance, Stalwart Insurance in Pittsburgh, PA is here to offer you the best products at a fair price. 

The Benefits of Umbrella Insurance

Umbrella insurance can come in incredibly handy, and you should consider how likely you are to need it. We will discuss this more in the article below. 

Stalwart Insurance in Pittsburgh, PA is proud to offer umbrella insurance, and you can contact us if you think you might need it. We work with many providers, so you will be given several quote options. 

How Likely Are You To Need It

Whether you need umbrella insurance or not depends on how likely you are to use it. In short, umbrella insurance is a type of liability insurance if you cause accidental harm to another person or their property. 

Usually, your car insurance comes with some liability coverage if you are involved in an accident with your car, but you need to check how much this covers, as it’s usually not enough. Liability insurance is also not just relevant for a car accident, but can also be needed for:

  • If you accidentally hurt someone or damage their valuables
  • If you’re falsely arrested
  • If you’re sued for mental harm to another person
  • If your dog causes significant harm to another person

People Who Need Umbrella Insurance

While everyone could be at risk of the situations above, people in certain jobs will be more at risk of being sued for any of the above reasons. For example, journalists or lawyers risk accidentally harming someone mentally due to their job, so they should consider umbrella insurance, but also dog walkers, as they take responsibility for other people’s dogs whilst at work. 

You can call Stalwart Insurance in Pittsburgh, PA to discuss umbrella insurance options, and we will talk you through the different quotes. 

What Does Flood Insurance Cover?

Flood insurance is a special type of insurance that protects your property and personal belongings against flood damages. It is a separate policy from standard home insurance that usually does not cover damages caused by flooding. You can purchase flood insurance regardless of your location – flood insurance policies are available to all homeowners, even those who do not live in flood-prone areas. 

What Is Covered By Flood Insurance?

Here is what is covered by flood insurance: 

  • Structural damage to the building. Flood insurance covers structural elements and essential equipment, including damage to the HVAC unit, plumbing and electrical systems. Here is what normally a flood insurance policy covers: the home itself and its foundation, built-in kitchen appliances (refrigerator, microwave, dishwasher, freezer), permanently installed cabinets and shelves, detached garages, etc. 
  • Personal belongings. Your personal stuff, including clothing, furniture, and other personal items is covered by flood insurance. However, the coverage may be limited for certain valuable items. 
  • Content coverage for basements. Flood insurance may cover content coverage for basements but usually, this coverage is limited. 

Stalwart Insurance in Pittsburgh, PA – Your Safety Is Our Priority

You may think that you do not need flood insurance, especially if you do not live in a flood-prone area. However, this type of insurance has many benefits. If you are thinking of getting it, and you live in Pittsburgh, PA, or any other surrounding area, Stalwart Insurance is ready to help. We specialize in all types of insurance, including flood insurance. Our mission is to help our clients get insurance based on their preferences and budget. Feel free to call us if you have any questions or want to know more about the rates. 

Do all classic car owners need to have classic car insurance?

Those that are in the Pittsburgh, PA area may dream of being a classic car owner. These are prized vehicles that are fun to drive and can also be a good investment as the values tend to rise over time. If you are a classic car owner, you will always want to protect your car as well as you can. The best way that this can be done is by getting a proper classic car insurance plan. This is needed for a few reasons.

Drive Vehicle Legally

A reason that you will need to have coverage for your classic car is so you can drive it legally. In this state, a driver of any type of vehicle needs to maintain liability coverage. For classic car owners, the actual liability risk is lower than most drivers as the vehicle is driven sparingly. A classic car insurance plan will take this into consideration when the plan is being built and priced.

Cover Investment

You also need classic car coverage as it is the best way for you to cover your investment. Buying a classic car can be expensive, and it can increase in value over the years. With classic car coverage, you are able to build a plan that will incorporate this increase in value. This can make it a great way to ensure your full classic car investment is protected. 

As you are looking to protect your classic car in the Pittsburgh, PA area, calling the team with Stalwart Insurance will be a great idea. Those that want to get classic car coverage will find that Stalwart Insurance is a good resource. The team here offers a lot of support when it comes to building a plan and keeping your vehicle covered. 

Things To Consider Before Making A Home Addition

Building a home addition is a great way to add space without having to move. Stalwart Insurance wants to make sure Pittsburgh, PA residents are prepared for the task. Here we go over some common things to consider before making a home addition.

Do I need a permit or inspection?

The city does require certain permits before building, though the type and cost of the permit can vary depending on the exact addition being made. It’s important to research what permissions and inspections are needed ahead of time. Otherwise, you could face hefty fines and run into problems with your insurance. 

Should I design the addition myself?

If you’re building a whole new addition to the home, you want it to look good with the existing architecture. Likewise, you’ll want to make sure that it will not disturb foundations end load-bearing elements. Unless you are greatly experienced with construction and design, it’s recommended to use a properly insured and licensed contractor. 

Will an addition affect my homeowner’s insurance?

Significant additions, renovations, or alterations to your home can change the amount of insurance you need to make sure you’re covered. This doesn’t just mean coverage for additional square footage, but new personal belongings such as appliances and valuables as well. In fact, some policies require you inform your insurer of these changes to the home. Some insurers can offer special coverage options during construction for items like materials.

Home additions are an exciting but hectic time for a homeowner. Let Stalwart Insurance help you tackle your Pittsburgh, PA area renovation. Call, stop by, or message us directly from our website today!

Required Auto Insurance in Pennsylvania

In Pennsylvania, all vehicles are required to have auto insurance on them. It is also required that you have proof of your insurance to show to the police if you’re asked for it. If you need auto insurance in Pennsylvania, contact us today at Stalwart Insurance in Pittsburgh, PA to talk with an agent about your coverage needs.

Bodily Injury and Property Damage

There are state minimums required for a few different types of coverage. There is a minimum amount required for one person’s bodily injury that you are liable for in an accident, and there is another number required for all of the people injured. There is also a required minimum for property damage that you are liable for. In addition, there is a small amount required for a first-party medical benefit. As long as all of these minimums are met, you have enough insurance to stay legal when you drive. 

Other Auto Coverage

In Pennsylvania, the mandated minimum amount for each type of coverage is very low. It’s one of the lowest in the country. You may find that you want to add different types of coverage to your auto insurance as well as raising the amount that you have. Getting collision insurance is a way to protect you if you cause an accident in which your vehicle is damaged or destroyed. This can be extremely helpful in case you need repairs or to replace the car. You can also choose comprehensive insurance, which protects against a number of off-road hazards.

Get Your Auto Insurance

If you need an auto policy, or you want to add to your existing policy, call us at Stalwart Insurance in Pittsburgh, PA to find out more about the many types of helpful insurance coverage that go into a good auto insurance policy. 

What Your Pennsylvania Renter’s Insurance Won’t Cover

Renter’s insurance in Pittsburgh, PA is very standard coverage. It will cover you for any liabilities that happen on your property, such as a dog bite or an accident that occurs to someone else. It will also cover you for your contents and the property that you own.

This coverage can cover you for a wide number of things beyond what happens at your home. If you lose a valuable while you are traveling, you can make a claim with your renter’s insurance.

There are many other risks to renting an apartment. You may not be covered for all of them. At Stalwart Insurance, we want you to feel protected through every risk of renting. We also want you to know what is and isn’t covered.

Natural Disasters

Natural disasters generally aren’t covered by your renter’s insurance, but your landlord’s property insurance might cover it. Many renters are confused by this.

Additionally, some disasters will be covered and some won’t be, which is what makes renters so confused. If a tornado damages your apartment, you might be covered. You won’t be covered by earthquakes though.

A flood might be covered, depending on the type of water damage. Not all floods will be.

Pests and Bed Bugs

A major problem with bed bugs, cockroaches, or rodents, will not be covered by your renter’s insurance. That is because these are not considered covered perils.

Talk to your landlord if you have a problem with pests or bed bugs. They are required to ensure your home is habitable, and there are remedies outside of insurance for this problem.

Get a Quote

These are just a few of the things not covered by renter’s insurance in Pittsburgh, PA. Your car, your roommate, additional valuables, will also not be covered. If you need more information or want to purchase renter’s insurance, give us a call at Stalwart Insurance and get a quote for renter’s insurance today.

What are the advantages of having umbrella insurance?

Anyone that lives in or around Pittsburgh, PA should have a proper personal insurance plan in place. One type of coverage to always consider getting in these situations is umbrella insurance. This is an important form of coverage that can provide you with personal liability protection. There are several advantages in particular for continuing to have this type of coverage. 

Protection for Big Claims

A key advantage of having an umbrella insurance plan is that you will have protection for big claims. If you have been involved in an accident on the road or at home, you should have coverage through your auto and home insurance plans. However, there will be a limit to how much liability coverage you receive. If the accident is bad enough, damages could exceed the policy. In these situations, umbrella protection is helpful as it will provide the additional coverage you need. 

Coverage for Additional Situations

It would be best to consider getting an umbrella plan to ensure that you are covered for more situations. An umbrella plan provides a blanket form of coverage that will protect against virtually any type of liability claim. As home or auto insurance plans do not cover many situations, this type of coverage could be quite valuable in some situations. 

As you are looking for a personal insurance plan in Pittsburgh, PA, you must consider your umbrella insurance needs. Almost anyone would benefit from having this type of coverage. If you are interested in learning more about umbrella coverage, call Stalwart Insurance. It is the smart choice. The team with Stalwart Insurance can help you assess your insurance needs and provide the guidance you need to build a plan that offers the right type and level of coverage. 

Explaining Why Flood Insurance Differs From Traditional Water Damage

Stalwart Insurance provides coverage to the Pittsburgh, PA community. We rely on providing excellent customer service. We recognize that our clients have unique needs, so we strive to provide personalized policies. We are confident that we can help you protect what matters most.  

Explaining The Difference Between Flood Insurance And Traditional Water Damage

Pittsburgh, PA is prone to heavy rainfall during seasonal changes. The aftermath of these storms is potential flooding. Flooding has the ability to cause serious damage to your property and personal items. Flood insurance protects your assets. You are covered if severe flooding damages the interior and exterior of your property, as well as your personal items. While researching coverage, keep in mind that there is a difference between flood damage and traditional water damage.

Flood damage is caused as a result of natural disasters such as hurricanes, tornados, and severe thunderstorms. These powerful storms leave a lasting impact. There may be an overflow of surface water. The rapid accumulation may cause a mudflow. All of these variables can cause a current of excess water to infiltrate your property and cause damage. You can rely on flood insurance during these situations.

You cannot use flood insurance to protect your assets if they suffer traditional water damage. Examples of traditional water damage include a busted pipe that causes damage throughout your property or a leaking toilet. You’ll have to use your home or renters insurance to cover those damages.

One key difference is that traditional water damage may only impact your property. Flood damage often originates from a natural source and impacts an entire area of land. That means your neighbors are likely to have problems as well. It’s also important that you maintain proper maintenance on your home.

Stalwart Insurance Will Help You Protect What Matters Most

Visit our website to learn more information about flood insurance

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