What Types of Coverage Does a Classic Car Need?

Posted on December 16, 2020December 16, 2020 by agentinsure

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

Posted on November 29, 2020November 29, 2020 by agentinsure

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

Posted on October 31, 2020October 31, 2020 by agentinsure

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

Posted on August 27, 2020August 27, 2020 by agentinsure

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.

Three mistakes to avoid when you purchase flood insurance

Posted on July 29, 2020July 29, 2020 by agentinsure

Flood insurance is an essential product if you want to protect your investments in your Pittsburgh, PA home. That’s why Stalwart Insurance is here to offer you flood insurance to meet your needs.

The following are three mistakes to avoid when you purchase flood insurance for your property.

Thinking your homeowner’s insurance policy covers flood damage.

A standard homeowner’s insurance policy will not cover you for flood damage. While standard home insurance may cover damage resulting from other types of natural disasters, you need to purchase flood insurance separately or additionally to take advantage of coverage for flood damage.

Purchasing an inadequate amount of flood insurance coverage

You should have enough flood insurance to cover you for the full costs of replacing your property. Therefore, it’s important to evaluate your property and find out how much it would cost to replace it in the event of a total loss. This way, you’ll know how much coverage you need in your flood insurance policy.

Not being aware of changes in your flood zone classification over time.

Flood plain maps laying out the flood zones of particular areas can change over time. Changing patterns of precipitation and changing drainage capabilities of plots of land can alter the flood zone classification of a given property.

You need to periodically have your flood zone classification reevaluated to ensure that your flood coverage is covering the actual flood risk of your property. This way, you avoid putting yourself at risk of flood damage without adequate coverage. You also ensure that your flood insurance premiums remain appropriately priced over time for the actual risk your property faces.

Get started finding reliable flood insurance options with Stalwart Insurance. Contact us with your questions and inquiries related to flood insurance coverage in Pittsburgh, PA.

What is unique about classic car insurance?

Posted on June 28, 2020June 28, 2020 by agentinsure

For people that live in the Pittsburgh, PA area, owning a car is very common. For car lovers, one dream would be to own their own classic car eventually. If you do purchase a classic car, you should consider getting classic car insurance for it. This is a unique form of auto insurance that has a variety of characteristics that make it ideal for protecting a classic car.

Provides Unique Property Insurance

One of the benefits of a classic car insurance policy is that it will provide you with unique property coverage. A classic car is unique because it can appreciate over time, which is compared to most vehicles that tend to lose value. To ensure that your value and asset is protected, the classic car insurance policy can come with a replacement value that is based on an agreed-upon value between you and the insurance provider.

Liability Protection Reflects Less Driving

Another benefit of classic car insurance is that it can come with liability insurance protection that reflects the reality of your driving situation. When you drive a car daily, you are going to put on a lot of miles. The more miles you drive, the more risk there is with insuring you. With a classic car, you are bound to drive very few miles each year. The classic car insurance policy will be structured to reflect this lower liability risk.

Ultimately, anyone that owns a classic car in the Pittsburgh, PA area should get a classic car insurance policy. When you are looking to insure your classic car, you should call Stalwart Insurance to discuss your needs. The insurance team at Stalwart Insurance can help you understand the benefits of this coverage and get you into a policy that provides the right protection.

What is unique about classic car insurance?

Posted on June 28, 2020June 28, 2020 by agentinsure

Provides Unique Property Insurance

Liability Protection Reflects Less Driving

How do home renovations affect my home insurance policy?

Posted on May 31, 2020May 31, 2020 by agentinsure

House improvements are always exciting to make as they change the outlook of your home. When it comes to home insurance, these improvements can either boost your home’s value or trigger lower premiums. Therefore, you must think about home insurance before doing any renovations for your Pittsburgh, PA home. At Stalwart Insurance, we recommend informing your insurance provider about your renovation plans to ensure that your policy is up to date and also revise some perils that you may expect to be covered but are not there.

Renovations raise the value of your home.

A home insurance policy is designed to cover repairs and replacement costs of your home in case of damage from a fire or other accidents. Anything that will impact the repair or replacement costs of your home significantly affects your insurance premiums and the overall cost of insurance. Notify your insurance company before making significant upgrades and keep a record of receipts or videos of the same for future reference.

Some extensive renovations can completely change your entire home insurance policy.

If you intend to make vast home improvements like changing the roof or exterior wall, such changes may alter your home insurance policy to a property under construction. That means that the policy covers your possessions in that home. However, if the roof or the wall being constructed affects the condition or damages the contents of your home, your insurance provider may not reimburse you for these damages or losses.

You are liable for any injuries on your property.

If you hired several workers to work on your renovations, you are solely responsible for any injuries that may result from the work they will be doing or any damages relating to those injuries. Therefore, enquire about workers’ insurance or have your liability coverage reviewed.

Are you looking to make a few renovations for your home? Stalwart Insurance can help you do this without overcomplicating your home insurance policy. Visit us in Pittsburgh, PA for more information.

3 risks associated with liability coverage on auto insurance

Posted on April 29, 2020April 29, 2020 by agentinsure

Shopping for auto insurance for the first time can be daunting, especially when you are not familiar with the terms used. Terms such as ‘liability coverage” are prevalent in the insurance industry. If you are not sure what it means, you may end up making the wrong choices. Seeking help from an insurance expert at Stalwart Insurance serving Pittsburgh, PA is a prudent idea.

We will help you understand everything about insurance and find coverage that best fits your needs, lifestyle, and budget. The following three risks will help you understand how liability is related to your auto insurance.

1. It puts your vehicle at risk

Liability coverage is an insurance policy that only covers the damage or bodily injury of another driver when you are involved in an accident. That means that you and your vehicle are not in the picture. If you are injured or your vehicle is damaged in the same accident, and you were at fault, your liability insurance may not help.

2. Your financial security is not safe either

Liability touches the most critical part of insurance–finance. Even if you are the best driver in Pittsburgh, PA, you can still be involved in an accident where you are at fault. In such a case, you will most likely need thousands of dollars to pay for your medical bills as well as make significant repairs-resulting to financial jeopardy.

3. Your health is in danger

When you get liability coverage, it is critical to have in mind that it is not for you but for other road users whom you may hurt in an accident. If you are seriously injured in an accident where you were at fault, liability coverage may not help you.

To learn more about your safety on the roads with auto insurance, visit Stalwart Insurance in Pittsburgh, PA today!

What’s Covered by Renter’s Insurance?

Posted on March 30, 2020March 30, 2020 by agentinsure

You don’t have to own a home to get insurance protection for your belongings. If you’re renting a house, apartment, or condo, you can protect your valuables with renters insurance. A renter’s policy from Stalwart Insurance in Pittsburgh, PA will protect your assets from theft or damage in the event of an unexpected disaster. It only takes one catastrophe to destroy everything you own, leaving you to pick up the pieces afterward. With renters insurance, you’ll have the financial help you need to recover from a disaster. Here’s what a renter’s policy has to offer:

Protection of Personal Goods

Renter’s property insurance compensates you for the damage or loss of your personal belongings to include your wardrobe, furniture, electronics, sports gear, and more. If you’re wondering whether this protection is necessary, imagine replacing everything you own out-of-pocket if a fire were to destroy your rental home or condo. Property coverage protects you against unforeseen events that can cause financial hardship.

Protection against Liability Claims

With spring close at hand, you may be planning special events in your home or condo. Inviting visitors to your home increases your risk of accidents. If someone gets injured while attending a dinner party, you could be held liable for their medical costs. Liability insurance covers these expenses to safeguard your assets. If a severe injury leads to your getting sued, liability insurance covers your legal costs.

Additional Living Expenses

If a disaster causes so much damage to your rental home that you have to live somewhere else temporarily, additional living expenses helps pay for your hotel, food, fuel, and other expenses until you can return to your home safely. This saves you from dipping into your savings to recover from a disaster.

To learn more about the protection that renters insurance has to offer, call or visit Stalwart Insurance in Pittsburgh, PA.

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Home Insurance Variables

Stalwart Insurance Will Help You Protect Your Most Important Assets

Comprehensive coverage covers any possible type of auto insurance need.

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

Your rates always go up after you get a ticket.

Thinking your homeowner’s insurance policy covers flood damage.

Purchasing an inadequate amount of flood insurance coverage

Not being aware of changes in your flood zone classification over time.

Provides Unique Property Insurance

Liability Protection Reflects Less Driving

Provides Unique Property Insurance

Liability Protection Reflects Less Driving

Renovations raise the value of your home.

Some extensive renovations can completely change your entire home insurance policy.

You are liable for any injuries on your property.

1. It puts your vehicle at risk

2. Your financial security is not safe either

3. Your health is in danger

Protection of Personal Goods

Protection against Liability Claims

Additional Living Expenses

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