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.

Does umbrella insurance replace other policies?

Posted on May 31, 2023May 31, 2023 by agentinsure

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?

Posted on April 30, 2023April 30, 2023 by agentinsure

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

Posted on March 30, 2023March 30, 2023 by agentinsure

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.

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