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Stalwart Insurance

2550 Boyce Plaza Road
Pittsburgh, PA 15241

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Keeping your home safe while you are away

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

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

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.

Does umbrella insurance replace other policies?

Umbrella insurance from Stalwart Insurance is an extra layer of coverage that can provide additional protection for you in the case of an accident. But does umbrella insurance replace other policies? The answer is no; umbrella insurance does not replace other policies. Instead, it supplements existing policies that have already been purchased here in the Pittsburgh, PA area. 

Umbrella insurance helps protect you from liability claims and lawsuits from accidents or incidents. It offers expanded coverage beyond the limits of your regular policy and can provide extra protection for your assets. For instance, if you are involved in a severe car accident, your auto policy may only cover up to $100,000 in damages. However, with umbrella insurance, you could be covered up to an additional $1 million. 

Umbrella insurance can also provide financial protection in cases of libel, slander, and other forms of personal liability. It is essential to understand that umbrella insurance does not cover losses under your other policies’ limits. It only pays out when the cap on those policies is exceeded.

Ultimately, umbrella insurance provides peace of mind by helping protect your finances from unexpected events that other policies may not cover. Although it doesn’t replace existing policies, umbrella insurance can give you an extra layer of financial protection when you need it most.

For more information, give us a call at Stalwart Insurance today. We are proud to serve the Pittsburgh, PA area and would be happy to help you find a policy that meets your needs and budget. 

Does flood insurance cover my car or truck?

While flood insurance covers a lot related to your Pittsburgh, PA home or business, it does not cover self-propelled vehicles, including cars, SUVs, minivans, trucks, motorcycles, and RVs. Comprehensive coverage on an auto or RV policy pays for your automobile’s flood damage, according to the National Flood Insurance Program (NFIP).

Transportation Flood Insurance Does Cover

Flood insurance does cover some modes of transportation, including bicycles and electric bikes that you also have to pedal. A child’s tricycle or toy vehicles that they pedal or push receive coverage.

Your Garage and Most of Its Items Flood Insurance Covers

Your actual garage does receive coverage, whether attached or detached from the home. If a flood damages the structure, such as the walls, flooring, windows, ceiling, etc., the policy covers the repairs for the damage.

Your personal belongings inside the garage receive coverage from the flood policy with a big exception. Your camping gear, tools, and other items stored there do enjoy coverage from flood insurance. So, what doesn’t?

What is not covered by a Flood Policy Cover?

Automotive and motorcycle parts do not incur coverage under the policy. Just like autos, they’re not covered by flood insurance.

Contact Stalwart Insurance

At Stalwart Insurance, we want our clients to understand their flood coverage and which of their personal belongings or landscape structures require other insurance protection. Let us help protect your Pittsburgh, PA home or business. We can help you obtain flood insurance to cover your home or business structure and the items within it, then add to it with other insurance to protect your vehicles. Contact us today about flood insurance.

Drive with Confidence: Why Auto Insurance is Essential for Pennsylvania Residents

Why Auto Insurance Is Essential for Pennsylvania Drivers

Automobile accidents can happen anytime, anywhere, and to anyone. That’s why having auto insurance to protect your vehicle and finances is crucial. Stalwart Insurance, a trusted auto insurance provider in Pittsburgh, PA, can help protect you and your car against any unforeseen events on the road.

Auto insurance is essential because it can protect you financially in an accident. If you are found liable for an accident, you may end up paying for the damages to the other driver’s vehicle, medical bills, and other related expenses. 

Protect Your Family from Financial Hardship 

Accident-related costs can add up quickly, and without insurance, Pennsylvania drivers could face significant financial hardship. Auto insurance can help cover these expenses, saving you from potential financial ruin.

Auto insurance is mandatory in Pennsylvania. According to state law, drivers must have minimum coverage for bodily injury and property damage coverages. 

Failure to carry auto insurance can result in fines, your driver’s license suspension, and even legal trouble. Stalwart Insurance can help you navigate the complex world of auto insurance. 

The auto insurance experts at Stalwart offer a variety of coverage options to fit your needs. Talk to your agent to learn more about auto liability coverage, collision coverage, comprehensive coverage, and bundling options.

Seasoned auto insurance agents can also help you understand each policy’s different deductibles, premiums, and limits.

Get Affordable Auto Insurance in Pittsburgh, PA

Stalwart Insurance is a trusted provider of auto insurance in Pittsburgh, PA. They have years of experience helping residents of the area protect themselves and their vehicles when accidents happen. 

Contact an agent for a free quote and help you find the coverage you need to feel confident on the road.

How much life insurance do I need?

If you’re wondering how much life insurance you may need, several factors must be considered. At Stalwart Insurance, we pride ourselves on helping Pittsburgh, PA area families protect themselves from unexpected events.

The amount of coverage you should have depends on your individual financial situation and lifestyle and the number of dependents you may have. Generally speaking, it’s a good idea to purchase a large enough policy to cover all of your debts and expenses in the event of your death. This includes any outstanding mortgage or loan payments, college tuition for children, funeral arrangements, and more. 

In addition to considering your current financial needs, consider what other expenses may arise in the future. For instance, if you plan on having more children or sending them off to college someday, those costs should be considered when determining how much coverage is necessary. You’ll also want to ensure the policy provides enough funds for your survivors to live comfortably without worrying about finances. 

Ultimately, the amount of life insurance coverage right for you will depend on factors such as income level and family size. An insurance agent can help answer any questions you might have and provide personalized recommendations for policies best suited to your needs.

If you have any questions about your life insurance policy, how much life insurance you need, or whether you should get a whole life insurance policy or a term life insurance policy, call us at Stalwart Insurance today. We proudly serve the Pittsburgh, PA area

Reasons Home Insurance is Important

A house is usually one of the most expensive purchases a person will make in their lifetime. The agents at Stalwart Insurance in Pittsburgh, PA are stressing the importance of home insurance and want you to know what coverage options are available.

Home insurance policies are designed to protect people’s homes and personal property that they own. This insurance can become the primary source of funding if there is a loss of the home or damage to it and repairs or replacements are needed. Also, most people take out a mortgage loan when they purchase a house, and their mortgage lender will require that the homeowner have home insurance coverage in place.

Types of Home Insurance Coverage Options

The primary coverage of a homeowners policy includes the structure of the house itself as well as any attached structures, fixtures, appliances, furniture, and personal belongings. It will also cover injuries that may occur from some type of accident on the property. There are also various other coverage options that people can choose from when they create their home insurance policy with a trusted agent.

Some of these additional options include medical payments, unattached structures on the property, additional living expenses, flood insurance, earthquake insurance, sewer backup, umbrella liability, and personal property insurance. All of these coverage options are in addition to the basic home insurance policy you would have in place, and they are all helpful to have secured.

To determine which types of coverage options you want to be included in your home insurance policy, you will need to contact an agent that is experienced with home insurance and has the knowledge and skills to guide you through the process, so you have an adequate amount of home insurance for your situation.

Contact Us

Contact the home insurance agents at Stalwart Insurance in Pittsburgh, PA to get your policy started today!

Why should I get renters insurance in Pittsburgh?

If you are looking for a new city to move to, Pittsburgh, PA could be a great option. This part of the state offers many amenities, including access to a large city, sports teams, and plenty of good restaurants. If you are looking for housing here, renting a home can be a good option. It would be best if you also got the right insurance along with choosing a new rental property. There are various reasons to get renter’s insurance in this area. 

Comply with a Lease

An essential reason for anyone to have this insurance in this area is to comply with the lease. Most property owners will want tenants to carry renter’s insurance due to its value and protection. If you do not have this insurance, you could find yourself in default of the lease agreement. In many cases, you will need to provide evidence of insurance coverage before you move into the new home. 

Receive Helpful Coverage

It is also a good idea to have this insurance due to the coverage it provides. A renters insurance plan offers various forms of insurance support and coverage. This can include coverage for your personal assets and liability insurance. This can ensure you are supported in some otherwise challenging situations that could result in a personal loss or claim. 

Before moving into your new home in the Pittsburgh, PA area, it is vital that you get the right insurance for it. As there are a lot of important choices to make when looking for this coverage, it would be a good idea to call Stalwart Insurance. The team with Stalwart Insurance values this type of coverage and will provide the support you need to build your next policy. 

Four Ways Umbrella Insurance Can Help You Avoid Financial Ruin

Umbrella insurance is one of the most important – and often overlooked – types of insurance coverage. Stalwart Insurance serving residents of Pittsburgh, PA, can help you protect yourself against financial losses beyond what your standard auto, home, or business liability policy covers. Here are a few ways umbrella insurance can help you avoid financial ruin.

1. Expanded Coverage

The biggest advantage of umbrella insurance is that it expands coverage beyond what you already have. The coverage limits of an umbrella policy are typically higher than those offered by other insurance policies. This means it can provide coverage for damages exceeding your existing policies’ limits.

2. Greater Protection

Umbrella insurance provides greater protection against various claims, including libel and slander lawsuits, property damage caused by tenant negligence, and so much more. Umbrella insurance policies can help protect you from financial ruin due to a lawsuit or accident that would otherwise be outside the scope of your existing coverage.

3. Reduced Financial Risk

Umbrella insurance also reduces your financial risk in case of an unexpected event. In the event of an expensive judgment, it provides additional coverage to help protect your assets. This can be invaluable when it comes to avoiding financial ruin.

4. Peace of Mind

Finally, knowing you have the added security and protection provided by umbrella insurance policies can give you peace of mind that you won’t find elsewhere. Knowing that you are covered for various potential risks can help you sleep better at night.

Avoid Financial Ruin With Stalwart Insurance

Umbrella insurance is an innovative and affordable way to protect yourself against the unexpected. Stalwart Insurance serving residents of Pittsburgh, PA, can help you find the right umbrella insurance policy for your needs. Contact Stalwart Insurance today to learn more about how umbrella insurance can help you avoid financial ruin.

  • Aegis
  • Encompass
  • Farmers & Mechanics
  • Grange
  • Municipal Mutual Insurance Company of WV
  • Nationwide
  • Progressive
  • Rockingham
  • Safeco
  • State Auto
  • Travelers
  • Universal Property & Casualty Company

Servicing States

  • Pennsylvania
  • West Virginia
  • Ohio
  • Kentucky
  • North Carolina
  • South Carolina
  • Florida
  • Tennessee
  • Texas
  • Alabama
  • Georgia
  • New Jersey

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!

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