Author: abraham

Just about every homeowner wants to know the ideal amount of coverage on a home insurance policy, and while the simple answer is to say that your policy should cover the market value of your home, this actually might not include everything. So, do not forget that a homeowner’s insurance policy doesn’t just cover your walls and your roof, right? It should also cover your belongings like jewelry or furniture, for example. Now, a good homeowners insurance policy will extend to any smaller buildings that are attached to your home, like a garage, or a guest house, or a tool shed for example. Now when you add all of those things together, it’s pretty funny how everything just adds up super quickly. Much more than the sale value of your home. Now, the best way to make sure that your coverage is adequate is to get an appraisal from an insurance agent that you absolutely trust, and then you can identify the proper coverage without being over insured.

We’d be happy to review your insurance coverage options with you! Give us a call at (814) 255-7145 or visit https://maluchnikinsurance.com.

If you’re involved in a car accident, one of the first things you’ll likely wonder is whether or not your auto insurance policy will cover your medical expenses. The answer to this question is complicated and depends on several factors, including the type of insurance policy you have, the severity of your injuries, and the state in which you live in most cases. However, your auto insurance policy should provide some coverage for your medical expenses. For example, your policy may help pay for hospitalization, surgery, and other medical treatments if you have comprehensive coverage. If you, you have collision coverage, your policy may help pay for damage to your vehicle. Now, in some states, personal injury protection, or PIP, is required by law and provides coverage for medical expenses regardless of who is at fault in an accident. It’s best to consult with your insurance agent or company to determine what type of coverage you have and how it will apply in the event of an accident.

We’d be happy to review your insurance coverage options with you! Give us a call at (814) 255-7145 or visit https://maluchnikinsurance.com.