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Stalwart Insurance

2550 Boyce Plaza Road
Pittsburgh, PA 15241

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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.

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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

Reasons Minimum Coverage Isn’t Enough in Pittsburgh, PA

Many people try to save as much money as they possibly can. However, some things are worth paying a little extra. One of these things is car insurance. Though you may want to buy the Pennsylvania state minimum, that might not be the best idea.

Here are some reasons why the minimum coverage might not be enough for you. 

It won’t cover much. The simple truth is that cheap insurance won’t be enough. Most of the time, you will only have liability insurance. This will cover damage to the other vehicle but not your own. Unless you have comprehensive and collision insurance, you will be paying for your own medical expenses and car repairs yourself. This could cost you thousands of dollars that you don’t have. 

It might not actually be as cheap as you think. Though you may have been quoted a small fee, the truth is that you may be charged a bunch of extra fees, making it even more expensive than insurance that may cover a lot more. 

You are probably going to have a high deductible. Many cheaper plans have a higher deductible, which only means that you will have to pay more money out of your pocket before your insurance kicks in. Instead of being required to pay a few hundred dollars, you may have to pay a few thousand before your insurance pays a dime. 

Car insurance (and other insurance) can be quite complicated, so it is always a good idea to talk to a professional. Here at Stalwart Insurance in Pittsburgh, PA, we pride ourselves on helping others find the right coverage. We want you to be fully protected, just in case!

5 Benefits of Life Insurance

If you’re the main breadwinner in your family, your family can greatly benefit from the financial stability that life insurance can provide. In the event of your untimely demise, life benefits can provide financial support for your spouse, children, parents, siblings, or anyone else you desire. Here are just a few of the many benefits life insurance from Stalwart Insurance has to offer.

Cash to Replace Lost Income

Life benefits can replace the income that’s no longer there due to your untimely demise. This can help your family carry on. Your loved ones will have financial support to pay rent or mortgage on your Pittsburgh, PA home, monthly bills, school needs, medical bills, and more.

Financial Help for College

Life benefits can be designated to help put your kids through college when the time comes. The high cost of college can be a burden to many families if not planned for. By planning, you can help your kids get the education they need for a better future.

Support for Aging Parents

If you’re single, you can name your parents as beneficiaries of your policy to provide financial support for their retirement or end-of-life medical costs.   

Pay Off Debts

Like many people, you may have debts ranging from a car loan to student loans to a home mortgage in Pittsburgh, PA. If any of these debts were co-signed by your spouse or other family members, they would be responsible for paying them off after you’re gone. Life benefits can be used to liquidate your debts, so others don’t have to bear this burden.

Funeral Costs

The high cost of funeral services can set your family back financially. Life insurance can help pay your funeral costs, so your family doesn’t have to cover these costs.

To learn more about life insurance options and costs, contact Stalwart Insurance.

The Right Home Insurance Can Protect You and Your Family

The right type of home insurance is important when it comes to protecting you and your family. But how do you know what insurance to get and whether it will keep you safe? Working with a quality agent who can discuss your options is the place to start. If you’re in the Pittsburgh, PA area, Stalwart insurance can help you find the best policy for your specific needs. The type and age of the house you have, what kinds of furnishings are in it, and whether your home contains anything out of the ordinary can all matter when deciding on the right policy.

For example, most homeowners insurance covers the dwelling and the contents. Still, if you have high-quality jewelry, a grand piano, or an extensive collection of something valuable, you might find that your policy isn’t set up for those things. There are riders and other options, though, that can protect everything you own and what’s contained in your home. That’s why having the right agent on your side matters because they know what questions to ask and can focus on a policy that truly fits your family instead of just a typical one that seems common for everybody.

Having peace of mind is easier when you get your home insurance from Stalwart Insurance. If you’re in or around the Pittsburgh, PA area, you can reach out to us today and ask our agents about the home policy that will work for you. When you do that, you’ll be taking the first step toward a policy that can help you sleep better at night. Knowing you and your loved ones are protected means you can all get back to living and enjoying life in the house you love and call home.

What Types of Coverage Does a Classic Car Need?

Owning a classic car can be fun, but it also involves having common sense regarding insurance. In Pittsburgh, PA, Stalwart Insurance agents can help classic car owners maintain the right type of insurance and protect their investment. The older a classic car gets, the more valuable it becomes. It’s important to make sure your car is sufficiently covered.

Minimum Coverage by State If You Drive on the Highway

Many people choose to drive their classic cars on the street. What’s the fun of having a nice classic car if you can’t show it off occasionally. If you plan on driving your car on trips or just for a trip around town, you will have to have the mandatory minimum coverage for your state. Your insurance agent can help determine what amounts you need to drive legally.

Appraised Value

Classic cars, especially those rare vehicles, may have to be insured for their appraised value instead of their Kelly Blue Book value. Understanding what makes your vehicle so valuable will help you determine how much insurance you need to carry it on. Talking to an insurance agent will help.

Personal Liability

If you take your classic car to car shows, you may want to carry personal liability as well. This will cover a person’s injuries if they get hurt by touching or getting near the car. Even if they are at fault, it’s a good idea to have personal liability just in case.

At Stalwart Insurance, the agents understand how classic car owners feel about their investment. Making sure the car is sufficiently insured is only part of the process. If you live in or near Pittsburgh, PA, and own a classic car, call and make an appointment with an agent today!

Home Insurance Variables Pennsylvania Home Owners Should Be Aware Of

Stalwart Insurance serves the Pittsburgh, PA community by offering residents multiple types of insurance coverage. We take pride in guiding our clients through the process of finding the insurance policies they need to protect what matters most.

Home Insurance Variables

Owning a home is one of your biggest achievements. However, you must protect your investment by inquiring about home insurance. Home insurance covers your property if it is damaged or vandalized. Your personalized items inside the home are also covered if they are damaged, or you are the victim of theft. Liability coverage protects you if someone gets injured on your property. Here is a look at some home insurance variables to consider while researching home insurance policies.

If you have a pool or trampoline in the backyard, make sure to include those items in your liability coverage. If someone were to get injured while playing on a trampoline, you would be protected from potentially serious losses. If you have a pet, liability coverage will protect you if your pet injures someone or causes damage to their property.

If you plan to remodel or renovate your home, make sure that you amend your policy to cover your improvements so that you will be protected if your home is damaged due to a fire or accidental flood. You will also have to amend your policy to cover any luxury items if they are stolen. Consider getting your home and luxury items appraised after your renovation project is complete so that you will have a fair estimate of their true value. That also extends to the exterior of your home as well. If you decide to get a new roof, you will be covered if the weather in Pittsburgh, PA causes severe damage.

Stalwart Insurance Will Help You Protect Your Most Important Assets

Visit our website today to learn more information about home insurance.  

Three common misconceptions about auto insurance in Pennsylvania to be aware of

It would be best if you didn’t underestimate the importance of selecting an auto insurance policy. Your auto insurance is a key financial product that you’ll rely on to protect you if you’re ever involved in an accident.

At Stalwart Insurance, we sell auto insurance policies that meet motorists’ needs in Pittsburgh, PA. The following are three common misconceptions about auto insurance in Pennsylvania that you need to be aware of.

Comprehensive coverage covers any possible type of auto insurance need.

Comprehensive coverage is a certain type of auto insurance coverage. However, the name can be a bit deceiving. Comprehensive coverage means coverage for every type of damage your vehicle can experience outside of a collision. 

Comprehensive coverage alone only covers you for damage from certain causes such as flooding or theft. However, comprehensive coverage does not cover damage to your vehicle from an accident. For this, you need to purchase collision coverage. 

You won’t be held liable for accidents in your vehicle if you weren’t driving.

Some motorists think that they can let their friend borrow their vehicle without being held liable if their friend gets in an accident. Actually, you may be held liable if someone else gets in an accident while driving your vehicle. This is why it’s important to be careful about letting others borrow your vehicle.  

Your rates always go up after you get a ticket.

It’s true that your auto insurance rates are related to your driving record. If you have many serious citations on your record, you’re going to pay more for coverage. However, generally speaking, your rates shouldn’t go up significantly after only one ticket. 

Learn more about auto insurance in Pittsburgh, PA by calling us at Stalwart Insurance. We’ll answer all of your questions about meeting your insurance needs in Pennsylvania. 

Four Great Reasons to Have Umbrella Insurance

If you’re looking for additional levels of protection for your assets, umbrella insurance could be the right option for your needs. Even when you have policies on all the things that are important to you, it’s still possible to want or need higher levels of coverage. That’s where additional policies can come in that can provide you with an umbrella of protection you can count on to give you peace of mind.

At Stalwart Insurance, we’re committed to helping our Pittsburgh, PA area customers get the proper level of coverage they’re looking for. To do that, we want to make sure you know why an umbrella policy could be a great fit for your needs and lifestyle. Four important reasons to choose this extra level of coverage are:

  • Additional protection brings you peace of mind.
  • Your assets should always have adequate coverage.
  • Sometimes other policies simply aren’t enough.
  • More coverage can help protect your loved ones.

When you’re ready to add to your existing coverage or you have questions about your options, reaching out to agents who can help you is the best way to make good choices for your protection and peace of mind. We can help with that, as our dedicated professionals will be happy to share their knowledge and give you information about the policies that are available to you.

Reach out to us today at Stalwart Insurance, and let us help you choose the umbrella insurance policy that’s right for your needs and goals. If you’re in the Pittsburgh, PA area, we’re here to help you protect what’s important. Don’t settle for policies that don’t actually cover you properly or give you the level of protection you feel you need. When you want to add an extra layer to the policies you already have, we’ll help you choose the right option.

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