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Does your auto policy provide the protection you need?

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Hershey, PA area residents can rely on the team at Options Insurance Agency for all of their insurance needs. If you want to make sure that you have the protection you need, give us a call today.

Let’s review your auto policy today.

Having the right auto insurance is an integral part of responsible vehicle ownership. If you want to ensure that you have the protection you need, then it’s a great idea to give your policy a close review at least once a year. This can help you recognize and fix any gaps you may have in coverage. An inspection can also help you keep up with any changes in coverage that may occur over time. 

Without the right auto insurance, you can be left with financial liability that can be easily avoided. When reviewing your policy, make sure that you have adequate collision, liability, and medical expense coverage. Even having gaps in just one area can create problems down the road. 

Auto insurance can help you get your car repaired or replaced and provide protection from liability. And, if you are ever involved in an accident that causes injuries, you will want to have adequate medical expense coverage in place. Ensuring that you have the right coverage is easy to do when you sit down with a local agent. This allows them to understand your insurance needs better.

Give us a call to find out more.

Options Insurance Agency is here for the Hershey, PA community. We are here to help you with all of your insurance questions and concerns. If you want to find out more about your auto insurance policy options, give us a call or stop by today.

Auto insurance features available in the Hershey area

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Options Insurance Agency serves the insurance needs of the entire Hershey, PA area. If you are interested in learning more about the features and benefits that are available with an upgraded auto policy, call or stop by our office today. We look forward to seeing you soon!

Auto insurance features are currently available in our area.

There are four primary features to look for when choosing an auto insurance policy. If it’s time to choose a policy, focus on these coverage types: property damage, bodily injury, collision, personal injury, and comprehensive protection. Your agent can help you determine which policy levels are right for your needs to get the protection you need.

After you’ve taken care of the necessities, you may want to consider add-on features that can provide more benefits:

  • Declining premium benefit – the longer you drive without a claim, the lower your premium payments go. In fact, you may even get to a point where you don’t have a premium at all!
  • Car rental reimbursement – if your vehicle is totaled or damaged due to a covered event, you may be without a car while it is repaired or replaced. Many people need reliable transportation to get through their daily lives and will need to rent an alternative vehicle. This benefit can reimburse you for those costs.
  • Roadside assistance – be prepared in the event of a breakdown!

When it comes to insurance, you can count on us!

Hershey, PA area residents rely on the folks at Options Insurance Agency for all of their insurance needs. If you need help with your auto policy, or any other type of insurance, reach out to our team. Feel free to stop by our office or give us a call today!

Is commercial insurance in Hershey necessary?

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Any business that operates in the Hershey, PA area will find that there are a lot of great opportunities to be successful. While this can be an excellent community to start a business, it is vital that you continue to recognize various business risks. One of the ways that you can mitigate some of these risks is by getting commercial insurance. This coverage is necessary for multiple reasons.

Ensure Company Assets are Protected

Those that are going to start a business will always want to know that their money invested in the company is as well protected as possible. One of the best ways to protect the business is with commercial insurance. If you have this coverage, it can provide the support needed if your business loses assets in a fire or due to another type of loss. 

Insurance is an Obligation

Another reason you will need to have commercial coverage is that it could be an obligation. There are various situations when you will need to have this coverage. If you have taken out a bank loan, leased property from a third-party company, or raised money from outside investors, you will undoubtedly be required to carry commercial coverage. Maintaining this insurance will ensure you and your business remain appropriately covered to meet these requirements. 

A business in the Hershey, PA area will know that having insurance is a practical necessity. There are various reasons you should get this coverage, and you can find there are many options to consider. As you start looking for coverage, beginning your search with the Options Insurance Agency is a good idea. The professionals at the Options Insurance Agency can provide the guidance needed to build a policy that will adequately protect your organization. 

When will it be helpful to have home insurance in Hershey?

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Those that reside in the Hershey, PA area can find it to be a great place to live. When you want to own a property in this area of the state, you also need to make sure that you are assessing all of your insurance needs properly. There are various situations when it can be helpful for someone to have home insurance when they are in this area. 

When Named in a Liability Claim

One situation when having home insurance will be a good idea is when you are named in a liability lawsuit. If there is an accident in your home that you are deemed responsible for, you could be held liable for damages incurred by the other party. If you do have home insurance, you should have insurance support to protect you against these types of claims. 

When You Incur Damages to your Property

You also will be happy to know that you have home insurance if you have incurred damages at your property. If your home has been damaged in any type of accident, the costs to fix your property can be significant. Fortunately, if you continue to maintain home insurance, you will have support to cover these costs. Your home insurance plan will give you coverage for losses you incurred for both your dwelling and your personal assets stored within it. 

If you have decided that you want to purchase a home in the Hershey, PA area, it would be a good idea for you to have coverage at all times. Those that are looking for insurance protection in this region should always call the Options Insurance Agency. The team with Options Insurance Agency can help you fully assess your options and choose a plan that will give the best support possible. 

Benefits of Commercial Insurance

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Options Insurance Agency serving Hershey, PA is a commercial insurance provider. Their experienced agents can help you with commercial insurance policies to meet your needs. Commercial or business insurance has several benefits.

Protection of Assets

Commercial insurance allows you to protect your assets against unforeseen and accidental circumstances like theft and damage to your property by providing financial compensation in the event of a loss. Assets that you may choose to insure may include

  • Buildings
  • Equipment
  • Stock

It is helpful to list the items you need insuring and their value before an appointment with your insurance agent.

Ask questions to make sure you are adequately covered.

Liability Protection

Financial protection from liability claims is another benefit of commercial insurance. If someone gets hurt using your product or while visiting your premises, there is the possibility of liability. Liability refers to legal responsibility. Accidents happen, and sometimes these events are beyond your control, and that is why having commercial liability insurance is always a good idea.

Another aspect of commercial liability insurance is workmen’s compensation. In Pennsylvania, an employer is responsible for an employee’s wages and medical bills if a work-related injury or disability prevents your employee from working.

Peace of Mind

Another benefit of commercial insurance is peace of mind. A business provides a livelihood for its owner and employees, making adequate and comprehensive commercial insurance a vital aspect of any business portfolio. While it is impossible to cover every possibility, you can arrange and pay for the right type of commercial insurance for you and your business, which will bring you peace of mind.

Contact Us

If you need to purchase, renew, or review your commercial insurance policy, contact Options Insurance Agency serving Hershey, PA today and ensure your insurance is right for your business needs.

5 Commonly Asked Questions About Auto Insurance

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Are you thinking about getting your car insured? Auto insurance is coverage that helps cover the damages and costs incurred in an accident, collision, or non-collision related. It also helps in claims when you are involved in an accident that causes physical injury to others. The following are some of the commonly asked questions about auto insurance. If you have any other questions or want to purchase an auto insurance policy in Hershey, PA, you can trust Options Insurance Agency for sound advice.

What coverage do I need?

In most states, car owners are required to have minimum liability coverage, but this may not be enough to cover the losses in case of an accident. As such, you need additional insurance coverage in case you have valuable personal assets and comprehensive cover for non- collision-related damages.

Can I minimize my car insurance costs?

Different factors affect the premium costs of a car insurance policy. However, you can reduce these premiums by installing safety features in your automobile and paying a higher deductible fee.

Do I qualify for insurance discounts?

Depending on your occupational group and your state of residence, you may be qualified for car insurance discounts. You also qualify for discounts if you have a low credit score and a clean driving record. Consult with your insurance provider to determine which discounts you are eligible for. 

What does car insurance cover?

Different categories of car insurance cover unique risk aspects. Liability coverage is for damages related to at-fault accidents and pays for property damage, repairs, and medical costs from injuries sustained as well as legal fees. There are additional optional coverages like collision, comprehensive, uninsured, and underinsured motorist coverages.

Is auto insurance mandatory?

Every state in the United States has a legal requirement that all car owners insure their cars with minimum liability coverage. However, insurance laws and regulations vary from state to state, so visit your local insurer for an auto liability policy.

If you have questions about auto insurance, Options Insurance Agency serving Hershey, PA, can help give some clarity and guide on choosing the most suitable coverage for you.

Pennsylvania Commercial Insurance Guide: How to Know How Much Liability Coverage You Need

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When you are looking for commercial insurance in Pennsylvania, you will need liability insurance to protect you from financial risks and accidents. Commercial liability insurance will cover medical expenses and legal costs if you are found to be liable for an accident or civil or personal injury.

At Options Insurance Agency, knowing how much to get is half the battle. We help Hershey, PA business owners determine the right amount of liability coverage for their business needs.

Learn more about how to get the right amount of coverage.

Business Details Matter

It is impossible to predict an accident, that is why they are called accidents. There are still ways to determine your liability coverage. Your business details matter.

The kind of business you have and how big it is will be the two most important details when determining your liability. If you are making a nice profit, you stand to lose that if a liability arises.

Where your business is located, and the number of employees you have will also matter. The level of experience that your employees have also plays a role in determining your liability coverage.

In a nutshell, the amount of risk that you assume by opening and running your business will determine the amount of liability coverage that you need.

Additional Commercial Insurance Options

When you run a business, you may have risks beyond what your general liability coverage can offer. There are additional commercial insurance options in Pennsylvania that can help you have the most thorough coverage. Professional liability coverage, directors’ and officers’ insurance, and errors and omissions insurance are a few.

You may also want to invest in cybersecurity insurance and other forms of commercial insurance that will protect your business assets.

Get a Quote

When you have a business, you want the doors to stay open. At Options Insurance Agency, we can help Hershey PA business owners with the options needed to get the right amount of liability coverage. Call us for a quote today.

Tips For New Drivers

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One of the major milestones in any young adult’s life is getting their driver’s license. Although it’s an exciting time, driving for the first time does come with new responsibilities. This helpful guide can help the newest drivers in Hershey, PA stay safe on the road, along with making sure they have the answers needed for auto insurance coverage from our experts at Options Insurance Agency. 

How New Drivers Should Prepare 

One of the first things you need to do as a  new driver is to get ready for the road test. It takes a while for younger drivers to become comfortable behind the wheel, so much practice is necessary.  It’s always recommended to practice with a responsible adult or to take a driving course for safety. The most important thing as parents is to allow them to get the confidence they need and take things slow and steady. Modern vehicles are also equipped with driver-assisted technology and include plenty of safety features. You’ll also want to spend time explaining to your teen driver how this assistive tech can help promote good driving habits. Here are a few other things to always remind new drivers while on the road.

  • Obey traffic rules and slow down
  • Always buckle up
  • Avoid all distractions ( texting and driving, eating, or loud music)
  • Don’t drive in bad weather conditions. 

Getting An Auto Insurance Policy 

Options Insurance Agency can help the newest drivers get the right insurance policy. We understand that getting the proper coverage can be a source of concern, and our experts have your best interest in mind. If you have a new driver in Hershey, PA, our agency serves the area with the highest level of integrity. So give us a call today to find out more information about an auto insurance policy.

Why you need commercial insurance for your home business

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In Hershey, PA, like many other places in the United States, home businesses are a popular option. 50% of small businesses are home-based and if you consider those with no employees, that rises to 60%. The reason is obvious, not having to pay for a business location is a big saving. At Options Insurance Agency, we have been serving local customers since 2006 and as independent agents, we can offer more choices and better rates. We focus on educating our clients about the insurance options available to them. 

Property insurance

Home property insurance is designed to cover your home and contents. It is not designed to cover business equipment, raw materials and inventory for a home business. While you might get very limited coverage from your home insurance, it is not the amount of coverage that your home business needs and deserves. 

Liability coverage

Your home has liability coverage as part of your home insurance policy. This is personal liability and will not extend to your business customers or to vendors or employees who might decide to sue you. Without commercial liability insurance, you run the risk of losing your business. Your home liability insurance is not going to extend to your business. 

Commercial auto insurance

When you are using your personal vehicle for business, it is most likely that your auto insurance won’t cover you if you have an accident. Commercial auto insurance is what you need and it is always a good idea to keep your business finances separate from your personal finances. 

Workers compensation

In Pennsylvania, if you have one or more employees, full or part-time, including family members, you must have workers’ compensation insurance. Home businesses are not exempt from having this important coverage. 

For more information about commercial insurance in Hershey, PA contact Options Insurance Agency. 

Supplemental Insurance Policies for Your Home

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As a homeowner, you want to maintain and protect your investment. A general homeowner’s insurance plan offers a wide range of coverage, from the structure of your home to personal belongings. However, there are some common exclusions to what your insurance policy may cover; exclusions that could ultimately have a negative financial impact should something happen to your home. 

There are countless supplemental insurance policies you can purchase that will offer additional protection for your home. Not only will these take effect in certain circumstances, but when difficulties arise, the homeowner won’t have to bear the financial weight alone. Knowing a policy in place gives homeowners peace of mind. Let the experts at Options Insurance Agency in Hershey, PA help you find the right supplemental policy!

Supplemental Insurance Policies to Consider for Your Home (H2)

Flood Insurance (H3)

One element that is excluded from all homeowner’s insurance policies is flood insurance. If you live in an area prone to flooding, this type of policy is a must. For those in low-lying coastal regions, hurricane insurance is an additional option. 

Most flood insurance policies cover a wide range of home flood situations. For instance, if a pipe bursts in your home, a flood insurance policy can offer coverage where your regular policy would not. Water damage takes a heavy toll on the home and the wallet. A flood insurance policy will bear the brunt of that impact.

Underground Service Line Coverage (H3)

Beneath your home and yard, there are numerous pipes and underground cables that transport water, waste, internet, and cable to your home. As the home and property owner, you are responsible for any damage done to these lines. Outside of your property line, it is the city’s responsibility.

Many homeowners find themselves in a bind after digging in the yard and breaking a pipe or cable. An underground service line supplement policy will help you bear the weight of the financial responsibility.