Breed Restrictions: What breeds won’t home insurance cover?

At the Sirover Agency LLC in Wayne, PA, we’ve noticed people sometimes don’t realize that their home insurance policy may not cover certain breeds of dogs. The main reason an insurance company might reject an aggressive dog breed is that it is a liability. If the dog harms someone or damages someone’s property, the insurance company could be sued. There are a few breed restrictions when it comes to home insurance that homeowners need to be aware of. 

Here are some breeds that are restricted and why:

Individual Dogs with a History

Homeowner’s insurance policies are almost always rejected if your dog has a history of biting someone. In some cases, though, you may be able to get a waiver that says it is okay for your dog to be on the policy. The same goes for damages. If your dog has destroyed something in your home, it will likely not be allowed coverage under the policy.

Breeds with Aggressive Reputations

There are a few reasons why home insurance companies may restrict certain breeds of dogs. The most common reason is liability. Certain dog breeds have been known to be more aggressive than others, which can result in property damage or personal injury. Home insurance companies handle a lot of liability claims related to dog bites, so they tend to be very cautious when it comes to insuring homes with certain breeds of dogs.

Here are a few of the most common dog breeds that are restricted by home insurance companies in Pennsylvania:

  • Pit Bulls
  • Rottweilers
  • German Shepherds
  • Doberman Pinschers
  • Chows Chows
  • Akitas
  • Wolf Hybrids

Breeds Targeted by Thieves

Another reason why some home insurance companies may restrict certain breeds is because of the increased risk of theft. Some dog breeds are more valuable than others, and therefore are more likely to be targeted by thieves. Home insurance companies take this into consideration when determining which breeds to insure. Here are some breeds most likely to be stolen:

  • French Bulldog
  • Bulldog
  • Chihuahua
  • German Shepherd
  • Maltese
  • Shih Tzu
  • Yorkshire Terrier

If you’re a Wayne, PA homeowner with one of the above dog breeds, you may want to check with the Sirover Agency LLC to see if you’re covered. Most home insurance policies have some sort of restriction regarding dog breeds, so it’s always best to check beforehand. 

How much life insurance is enough?

Life insurance is different from most other kinds of insurance. It isn’t about protecting you, it is about protecting your loved ones. It is no easy task to determine the amount of life insurance that will make you feel comfortable, but it can be done. At The Sirover Agency LLC in Wayne, PA, we take our roles as independent insurance agents seriously. We are in a position to offer more insurance products from a variety of carriers. 

How much life insurance is enough?

Your stage of life

Part of determining how much life insurance is enough is to take your stage of life into consideration. When you are young and have no dependents, you probably need very little life insurance. As you age and buy a house, get married, and have children, your insurance needs grow exponentially. After the children leave home and you retire, your life insurance needs also decrease. 

Your income

It seems self-evident that the amount of income you make and your family uses will have an effect on the amount of life insurance you will need to replace that income. 

Your lifestyle

Everyone has different needs and what you consider a normal amount of expenditure may seem excessive or lacking to someone else. You need to take a good look at your budget. 

Your dependents

The number and age of your dependents is a major factor in how much life insurance is enough. If you have young children, you may need to provide for them for many years. If you have more than one child, that also adds to your needs. If your spouse is a stay-at-home spouse, that also needs to be considered. 

Give Us A Call

Taking all of these things into consideration, you should be able to come up with a figure. Contact The Sirover Agency LLC in Wayne, PA in person or on the phone to discuss your life insurance and how much is enough for you. 

How Much Umbrella Insurance Do I Need?

How much umbrella insurance do you need? This is a question that a lot of people are asking these days. The answer, of course, depends on several factors. Umbrella insurance can provide peace of mind in case something happens and you are sued. We’ll discuss some key things to consider when determining how much umbrella insurance you need. 

Umbrella Insurance: How Much Do You Need?

You Have Assets to Protect

You have a lot to lose if you’re ever sued. If you don’t have umbrella insurance and are found liable for an accident, the court could order you to pay damages exceeding your auto or homeowners insurance policy limits. The Sirover Agency LLC in Wayne, PA can help you choose the right amount of umbrella insurance to protect your assets.

You Have a High-Risk Job Or Hobby

If you have a job or hobby that puts you at greater risk of being sued, you may need umbrella insurance. For example, if you’re a doctor or lawyer, you may be more likely to be sued for professional malpractice. If you’re an investment banker or stockbroker, you may be more likely to be sued for financial losses that your clients suffer. If you’re a celebrity or public figure, you may be more likely to be sued for libel or slander.

You Have a Lot of Visitors to Your Home

If you entertain guests frequently at your home, you may want to consider umbrella insurance. If a guest is injured on your property, you could be held liable. Umbrella insurance can help protect you from having to pay damages out of your own pocket.

You Live in a High-Risk Area

If you live in an area that’s prone to natural disasters, such as hurricanes or earthquakes, you may need umbrella insurance to protect your home and belongings from damage. Umbrella insurance can also help if you’re sued for damages caused by a natural disaster.

Give Us A Call

The amount of umbrella insurance you need depends on your individual circumstances. The Sirover Agency LLC in Wayne, PA can help you determine the right amount of coverage for your needs. Give us a call today to learn more.

The Basics of Auto Insurance Coverage

No one likes to think about car accidents. But the truth is, they can happen to anyone at any time. That’s why it’s so important to have auto insurance. Auto insurance can help cover the costs of repairs or medical bills in an accident. But with so many different types of coverage available, it can be difficult to know what you need.

The Sirover Agency LLC in Wayne, PA  provides this guide on the basics of auto insurance coverage and help you understand what you need to protect yourself and your vehicle.

Types of Auto Insurance

There are many different types of auto insurance coverage available. The most common type of coverage is liability insurance. This type of insurance will help cover the costs of damages you may cause to another person or vehicle in an accident. It is important to note that liability insurance does not cover the costs of repairs to your own vehicle. Other types of auto insurance coverage include collision insurance and comprehensive.

Deductibles

Another important aspect of auto insurance coverage is the deductible. A deductible can be defined as the amount of money that you are responsible for paying in the event of an accident or other covered event. Your insurance company will typically determine the amount of your deductible, but you may have some control over it. For example, you may be able to choose a higher deductible in exchange for a lower premium.

Coverage Limits

Another important thing to remember when it comes to auto insurance coverage is the coverage limit. This is the maximum amount of money your insurance company will pay out in an accident or other covered event. It is important to ensure that your coverage limit is high enough to cover the cost of any damage that may occur.

Contact Us Today

Auto insurance is an important way to protect yourself and your vehicle. There are many different types of coverage available, and it is important to understand what you need. The Sirover Agency LLC in Wayne, PA can help you find the right auto insurance policy for your needs. Contact us today to learn more.

Protecting your home from wind damage

If you own a home in the Wayne, PA area, The Sirover Agency LLC is here to assist you with all of your insurance needs. Whether for your home, auto, or business, we are the agency you can turn to. Call or stop by today!

Tips for protecting your home from wind damage

Storms with high winds can cause a lot of damage. Below are a few basic tips that can help minimize any wind damage that your home or business suffers:

  • Keep all trees well-trimmed and free from dead branches – this can help any loose or dead branches from launching during a storm and causing damage to your home or other structures.
  • Carry an additional wind insurance policy when appropriate – some areas receive stronger winds than others. If you live in such a locale, carrying a separate wind protection policy is worth looking into.
  • Perform regular and thorough maintenance on your home and roof – loose tiles, gutters, or shutters can cause damage in much the same way that branches can. Keeping your home well-maintained is not just a smart idea, it is a large part of responsible home ownership.

These suggestions are easy to implement and can prevent future damage during the next wind storm. If you are uncertain if wind insurance is necessary for your situation, it makes sense to sit down with a local agent to receive guidance. Wind and rain can cause significant damage.

Contact Us Today

The Sirover Agency LLC is here for the larger Wayne, PA community. If you have any questions about insurance, we are here to help! Contact our office today and book an appointment to find out more about the insurance solutions that are available in this area.

Why You Need Motorhome Insurance in Wayne, Pennsylvania

Motorhomes are valuable assets and need to be protected from potential risks. If you own a motorhome in Wayne, PA, it’s crucial to have the right insurance coverage. A few different motorhome insurance policies are available, so choosing the best fit for your needs is essential. Common motorhome insurance policy types include comprehensive, collision, property damage, and personal liability coverage.

Comprehensive Insurance

This type of insurance covers damages to your motorhome that are not the result of a collision. For example, if a fire damages your RV, comprehensive coverage would help pay for the repairs. Choose this policy if you want to be protected from a wide range of potential risks.

Collision Insurance

If you hit another vehicle or object while driving your motorhome, collision coverage will help pay for the repairs. Lenders often require this type of insurance if you finance your motorhome. Your representative at The Sirover Agency LLC can help you determine the coverage that meets your loan’s requirements.

Property Damage Coverage

This type of insurance helps pay for damage to other people’s property caused by your motorhome. For example, if you accidentally back into someone’s car, property damage coverage would help pay for the repairs. It also covers damage to structures like fences and garage doors.

Personal Liability Coverage

This type of insurance protects you from financial responsibility if someone sues you for bodily injury or property damage that you cause with your motorhome. It’s essential to have this type of coverage if you plan to travel with your motorhome. Don’t let a potential accident ruin your vacation.

The Sirover Agency LLC is here to help you choose the right motorhome insurance policy for your needs. We offer a variety of policies to choose from and can help you find the coverage that best fits your needs. Contact us today to get started.

Basic Umbrella Insurance Facts To Remember

The Sirover Agency LLC assists Wayne, PA residents. We strive to help our clients obtain policies that align with their needs. We are an independent insurance agency. Working with different carriers in the region allows us to offer various types of coverage. We are confident that we can help you regardless of your individual situation.

Basic Umbrella Insurance Facts To Remember

Life is full of unpredictable moments. While some accidents are minor, others can have serious consequences. Umbrella insurance can help you protect your assets in emergencies. Umbrella insurance acts as a safety net once you have reached your liability limits. Umbrella insurance acts typically as supplemental coverage for home or auto insurance policies. Perhaps you are throwing a party at your Wayne, PA residence, and you allow guests to use your swimming pool. Suddenly, one of your guests hits their head as they get out of the pool. You may be held liable for their injuries. If they need extensive medical treatment, it’s possible that your liability coverage isn’t enough—Umbrella insurance steps in to ensure that your assets remain protected. Perhaps you are driving a high-end vehicle with horsepower. You take your eye off the road and cause a high-impact collision, injuring someone. If you are held responsible for serious bodily injuries, umbrella insurance steps in to protect your assets.

If you are a business owner, you can rely on umbrella insurance to protect your investment. Maybe one of your customers was seriously injured using your product. Perhaps you are dealing with an issue in the workplace. Umbrella insurance provides a layer of protection.

The Sirover Agency LLC Will Help You Protect Your Investment

Contact our office to learn more information about umbrella insurance.  

Several Ways That Drivers Can Modify Their Auto Insurance Policies

The Sirover Agency LLC is an independent agency. We offer coverage to Wayne, PA residents. We understand that our clients’ needs are constantly changing. We work to help them find policies that will adapt to any situation. We work with several carriers throughout the state. We are able to offer our clients multiple options so that they can make a decision that suits their needs. We will sit down with you and help you figure out which policies make both now and going forward into the future.

Several Ways That Drivers Can Modify Their Auto Insurance Policies

Auto insurance helps you stay covered as you travel around Wayne, PA and beyond. Operating a vehicle can be dangerous at times due to variables that you can’t control. Think about the road conditions. If you are driving on slick pavement, an accident can occur. Collision coverage protects you if your vehicle is damaged due to an impact with another driver. If you are ruled to be at fault for the accident, liability coverage is a safety net. You can rely on liability coverage if your vehicle is responsible for accidentally hurting someone or damaging property. Comprehensive coverage protects you if your vehicle is vandalized or stolen.

If you plan to modify your insurance policy to add extra coverage, you have several options. Personal injury protection covers any injuries that you sustain in an auto accident. You can also add uninsured motorist coverage to protect you if your vehicle is damaged by someone who doesn’t have insurance.  If you have customized your vehicle, you can add custom parts coverage. This policy protects your vehicle if the custom parts are stolen.

The Sirover Agency LLC Will Help You Cover Your Assets

Visit our website to learn more information about auto insurance.

Home Insurance Options in Pennsylvania

You have recently purchased a gorgeous home in the lush green rolling hills of Pennsylvania and although you do not want to think of anything bad happening to your beautiful new home, the fact is we just do not know when we may need to utilize a home insurance policy since life can change in a moment of time.

The home insurance agents at the Sirover Agency LLC serving the Wayne, PA area are stressing the importance of protecting the investment you have made in your beautiful home through an adequate home insurance policy for you and your situation. Also, if you still owe money on your home, more than likely your lender or bank will require you to have a home insurance policy in place throughout the duration of your loan to protect the investment they have made in your home.

What Does Home Insurance Cover?

home insurance covers a variety of things, including the structure of your home, any outbuildings on your property including garages, decks, or sheds, as well as the contents inside of your home. Some of those things would include all of your personal belongings, your furniture, and your appliances. all of these things will be repaired or replaced if a natural disaster occurs and your home is damaged, or it is damaged from an act of vandalism or fire. A home insurance policy can also help you replace items if they are stolen from your home.

Your home insurance policy can also help you avoid a lawsuit if someone is hurt while visiting your property since they can help pay for their medical bills and lost wages while they recover from their injuries.

Get Your Quote and Start Your Home Insurance Policy Today!

a home insurance policy is an extremely important policy to have in place to protect you and your home. To create the best policy for you and your situation, contact the home insurance agents at the Sirover Agency LLC serving the Wayne, PA area today to get your policy started.

Why Should I Invest in Life Insurance?

Many people fail to see the benefits of life insurance. Life insurance is something that can create peace of mind. It can provide money for your loved ones in the event of your timely or untimely death. There are different types of life insurance that suit different needs, wants, and preferences of those who choose to invest in it. However, regardless of the type of insurance you choose to invest in, there are many benefits. Our team at The Sirover Agency LLC is dedicated to educating and guiding the Wayne, PA community about the ABCs of life insurance. 

What Is Life Insurance?

Life insurance is simply the type of policy that pays a specific sum of money in the event of your death or after a set period of time. It’s a contract between the insurance company and the policyholder. The insurance company pays specified people money in the event of a death or after a set amount of time. A life insurance contract may allow a beneficiary to collect payment in instances of terminal illness or critical illness.  Life insurance payments are usually made to beneficiaries like a wife/husband or children.

What is a good age to get life insurance?

Life insurance is the most affordable when you are in your 20s. You can purchase affordable term life insurance during your younger years and lock in great rates. Young people pose less of a health risk to insurance companies because younger people generally have fewer health issues than older people. In essence, you’re purchasing insurance earlier than you need it, more than likely. However, doing this makes life insurance more affordable. 

Other Important Points…

When a life insurance beneficiary receives a payout, these payouts are tax-free as well as estate-tax-free. The cash accumulated during your life insurance is tax-deferred. Life insurance can also replace your income if you pass away. This money is often used to pay for a funeral or other bills. Our team at The Sirover Agency LLC in Wayne, PA is committed to helping our Wayne PA residents understand life insurance and its many benefits.