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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.

Key elements to Commercial Auto Insurance coverage with Maluchnik Insurance and Financial Services.

Call Maluchnik Insurance and Financial Services in Johnstown PA at (814) 255-7145

The final segment in our video series about what insurance a small business actually needs.

Bad Luck Case #5
We review the need for Employment Practices Liability Insurance.

Bad Luck Case #6
A Key Man Life Insurance Policy would have been very helpful, giving the business valuable time to recover from the loss.

Call Maluchnik Insurance and Financial Services in Johnstown PA at (814) 255-7145

As we continue our series of business insurance examples…

See how Bad Luck Case #3 might have been improved with a Property Insurance Policy that included Debris Removal Coverage, along with Business Income Insurance.

Bad Luck Case #4 reveals a very real need for Cyber Liability Insurance with Data Ransom Coverage

Call Maluchnik Insurance and Financial Services in Johnstown PA at (814) 255-7145

What insurance does a small business actually need?
Much of a business’s success depends on how well it can overcome obstacles.

Maluchnik Insurance and Financial Services is here to help guide you through the perils that you likely don’t anticipate.

Bad Luck Case #1
In this example, the hefty legal and judgment costs would have been covered by Hired and Non-Owned Auto Liability Insurance, up to purchased policy limits.

Bad Luck Case #2
ACME had Worker’s Compensation Insurance that covered Julie’s expenses, but not Colleen’s. The state identified that ACME had misclassified Colleen, which led to hefty penalties and judgments for medical costs and damages.

Call Maluchnik Insurance and Financial Services in Johnstown PA at (814) 255-7145

Hey, there. It’s Steph. As you can see, today’s a rough day at the office. But like many of you, work from home isn’t so abnormal anymore. With the events of our last year and many kids homeschooled, parents working from home, the resort vacations canceled, a lot of families made the investment to install a pool and bring a sense of vacation into their homes. Pools can be so much fun when proper measures are taken to prevent accidents from happening. But there’s a lot of videos on pool safety out there, so I won’t get into that today. But something I bet many of you don’t think of is, are you covered when the unexpected accident does occur? And that’s why you’re tuning in. The time is now to look into updating your homeowners policy’s liability.
Increasing liability on your homeowners not only gives you the added coverage, it also gives you peace of mind knowing you are properly insured, gosh forbid that situation ever occur. Now the big question with any coverage increase, “How much is that going to cost me?” To increase the liability will often be less than two of these pretty little drinks they were going to serve you at the resort you planned to hit this summer. That’s right. Not much at all. Just recently, I increased the client’s liability from $300,000 to $1M. That increased their policy no more than $30 for the entire year. So the time is now. Call to ensure you have things properly covered, whether you’re a pool owner, a pet owner, a parent, or the many other things that could happen on your property. Call Maluchnik Insurance at (814) 255-7145 today. Until then…enjoy those kids being at home!

Call Maluchnik Insurance and Financial Services in Johnstown PA at (814) 255-7145

Do you have any questions about homeowners insurance coverages? We’d be happy to help!

Call Maluchnik Insurance and Financial Services in Johnstown PA at (814) 255-7145

Don’t let what happened to the Mackey Family happen to yours.

Call Maluchnik Insurance and Financial Services in Johnstown PA at (814) 255-7145

Tips for making visits safe and enjoyable!