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What is the value of having flood insurance?

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Owning a home in the Emmaus, PA area has continued to be an excellent long-term housing option. If you are looking to get a home here, you will want to know that you have the right insurance. In some cases, this can mean having an additional flood insurance policy. A few benefits come when you do get this type of insurance for your home. 

Ensure Covered Against Flood Damage

If you live in an area prone to flooding, it is a risk that you should not take lightly. As you are looking for a way to protect your home, getting a flood insurance plan would be a good idea. With a flood policy, you will have coverage that can help mitigate this specific risk as it offers more support than you may receive through a standard home insurance plan. 

Comply with Obligations

You may also want to have a flood insurance plan as it can help ensure you can comply with insurance obligations. Any mortgage lender is going to run a flood search for your home. If you are in a zone with a heightened risk of flood damage, you will likely be required to carry the proper insurance. Having flood coverage will help you meet this requirement. 

If you would like to get a flood insurance plan for your Emmaus, PA area home, you can start your search by calling the team with the Patrick McNealis Insurance and Financial Group. This can be a complex type of coverage to understand, and calling Patrick McNealis Insurance and Financial Group will help ensure you have the support you need to select your next plan. This can help ensure your home is protected against the risk of flood damage. 

What to know about condo insurance

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Patrick McNealis Insurance and Financial Group in Emmaus, PA is the area’s insurance resource. We are here to help you with all of your insurance needs. If you are looking into buying a condo soon, give us a call and learn more about the available options. 

ABCs of condo insurance

Owning a condo can provide you with a lifestyle that requires less maintenance than homeownership. With a condo, you are responsible for your unit, while the condo board, or another similar entity, takes care of common areas and amenities.

Some of today’s condo buildings offer resort-style amenities. These features make condo living even more attractive! If you are in the process of purchasing a condo, be sure to review your insurance options.

There are several comprehensive condo policies available from a range of providers. If you still haven’t selected a policy, it is understandable if you are beginning to feel overwhelmed by the large number of available policies!

This is a perfect example of a situation where local insurance agents can give you an edge. Meeting with someone familiar with your local area can make all the difference when choosing your condo insurance policy.

Why not get the information you need firsthand while making your selection? Local agents are well-informed, friendly, and happy to help! Our team is here now, ready to lend a hand with all of your insurance needs.

Find out more today!

Emmaus, PA area residents can rely on Patrick McNealis Insurance and Financial Group for all of their insurance needs. We can help you if you want to purchase a condo or upgrade your current policy. Give us a call or stop by today.

Explaining Different Types Of Life Insurance Policies

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Patrick McNealis Insurance and Financial Group are proud to serve the Emmaus, PA community. We take a personalized approach to offer coverage. We recognize that each of our clients has unique needs. That’s why we are committed to helping them obtain policies that align with their future and present goals. We will work with you to find the right policy for your situation.

Explaining Different Types Of Life Insurance Policies

Life insurance allows you to plan for emergencies. The policy offers protection if you unexpectedly pass away. You can help lessen the burden on your loved ones as they cope with your passing. They can use the policy to make funeral arrangements or get your affairs in order. You can use the coverage to help your children pursue higher learning at Emmaus PA school or another institution. You can use the policy to ensure that your loved ones continue operating the business you started. Life insurance can help fulfill a variety of needs. As you figure out which policies make sense for your situation, learn about these different types of life insurance.

Whole Life

Whole life coverage ensures that you will receive coverage throughout your entire lifespan. This policy ensures that your loved one will receive some insurance making your funeral arrangements.

Term Life

Term life coverage provides coverage during a particular amount of time. Usually, the duration of a term life policy is between 10 and 20 years. During this period, you will receive full coverage. You can start another policy or pursue different coverage at the end of the period.

Variable Life

Variable Life policies are considered more high risk because while you will receive coverage, the policy’s total value may fluctuate depending on some variables.

Patrick McNealis Insurance and Financial Group Will Help You Cover Your Assets

Contact our office to learn more information about life insurance.

Does auto insurance cover a rental car?

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Renting a car is done online these days for the most part and as soon as you start the process, questions about what insurance coverage you want to purchase are being thrown at you. It can be intimidating. You may end up purchasing more insurance than you need just to get through the renting process. At Patrick McNealis Insurance and Financial Group in Emmaus, PA, we are an independent insurance agency that believes in providing our customers with personalized and caring service. 

Not everyone has insurance that will cover a rental car. If you have basic insurance, which is liability coverage, you will only be partially covered and will need additional coverage. You have to protect the vehicle you are renting in the event you damage it. In order to be protected by your personal auto insurance, you must have a full-coverage policy that includes collision and comprehensive coverage. If you have an older vehicle with complete coverage, check with your insurance agent to make sure it will provide enough coverage for a newer, more expensive vehicle. 

The rental car company will try to sell you additional liability coverage. If you are comfortable with the amount of coverage that you live with on your own policy, you don’t need this coverage. If you have home, renters, or condo insurance, your personal property is covered in the vehicle you are renting, so you don’t need that coverage either. 

Always check with your credit card company to see what benefits it provides. Many cover you for a rental car if you use that credit card to book and pay for your rental. If you don’t have the right auto insurance, getting CDW (collision damage waiver) coverage from the rental company takes the place of that coverage. 

Contact Patrick McNealis Insurance and Financial Group in Emmaus, PA, when you need auto insurance. 

Is Commercial Insurance Required in Pennsylvania?

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Patrick McNealis Insurance and Financial Group is here to provide support and guidance for all business owners who seek a high-quality full-coverage insurance policy for their company. If you do business in the Emmaus, PA area, keep reading for some important information on ensuring your business in the state of Pennsylvania. 

Pennsylvania law requires all businesses to maintain a workers’ compensation insurance policy to protect their employees while they’re working on-site. If an employee gets injured on the job, this policy protects them (and you) and provides financial support to cover their medical bills and any other expenses. 

If you have employees, even if they are part-time or seasonal, this coverage is required. You may also seek insurance if you have a fleet of vehicles that employees drive. 

Other than that, commercial insurance in the state of Pennsylvania is up to the discretion of the business owner. However, there are so many benefits to investing in an insurance policy for your business. 

You’ve worked hard, put all your blood, sweat, and tears into your business. It may be one of your life’s biggest accomplishments. Shouldn’t you treat it as such? 

Insurance can protect your company from lawsuits, disgruntled clientele, and libel claims. These are all examples of how commercial insurance will provide financial protection so you can get back to focusing on growing and scaling your company. 

The team at Patrick McNealis Insurance and Financial Group wants to be a part of helping your company succeed. If you’re in need of a commercial insurance policy, contact us today. We’re dedicated to serving the Emmaus, PA area and would be happy to help you any way we can. 

Buy Life Insurance Now: Here’s Why

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At Patrick McNealis Insurance and Financial Group, we help many Emmaus, PA residents find the life insurance policy that they need. You might not think that life insurance is necessary for your well-being. That’s simply not the case at all. Here is why.

Protect Your Family 

The number one goal of any life insurance policy should be to protect those you leave behind. For instance, you may need to pay money to your spouse and your children to help when you pass. This cash can help them to pay funeral expenses and adjust to life after you, especially if you were the primary or only money-making member of the home.

Avoid Legal Troubles 

If your family runs into financial problems after you pass, they may also run into legal concerns as well. For example, it may be possible for them to struggle to pay certain bills and get stuck behind on their payments. This situation is very scary and requires the payout of a life insurance policy to minimize their risk of confusion.

Hold Your Estate Together 

Lastly, a good life insurance policy helps to keep your estate in one place to minimize dispersal. For example, if you don’t name any beneficiaries for your goods, such as your home and other items, they may end up going to the state. Life insurance policies can help you prepare for this issue alongside a high-quality estate planning professional.

Get Help Today

If you don’t have life insurance to protect yourself and your family, it is important to seriously consider finding some as soon as possible. By talking to us at Patrick McNealis Insurance and Financial Group, you can get set up to keep your Emmaus, PA estate safe and proper after you pass.

Does Every Driver in Pennsylvania Need Car Insurance?

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If you’re a driver in Pennsylvania, you should know that auto insurance is required to operate a vehicle here. If you’re in the Emmaus, PA area and are shopping around for a new auto insurance policy, the team at Patrick McNealis Insurance and Financial Group is here to help. 

Why Is Auto Insurance Required in Pennsylvania?

While auto insurance is absolutely legally required in Pennsylvania, the common sense behind investing in auto insurance goes much deeper than that. There are over 3 million drivers on the road in Pennsylvania every day. If you live in this great state, you know that traffic here is a daily occurrence and something you have to plan around. 

While you may be the best driver on the road and drive defensively and safely, you simply can not control the way other drivers behave on the road. We can only anticipate what could happen, and for that reason, insurance is the best common-sense investment you can make as a driver in Pennsylvania. 

With that being said, it’s no secret that determining which auto insurance policy is best for you and your household can be a challenge. If you have multiple drivers and vehicles, your coverage is different than a one-driver household. The team at Patrick McNealis Insurance and Financial Group can help answer any questions or concerns you have about the insurance purchasing process and we’re happy to help you select the best policy for your driving needs. 

If you’re in the Emmaus, PA area, auto insurance is something you should always maintain. As long as you’re driving on the roads here, it’s absolutely essential for peace of mind and the safety of others and yourself. 

4 Benefits of Classic Car Insurance

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Classic car insurance works similarly to your standard auto insurance, but it protects the true value of your antique car since classic cars appreciate in value. Whether it’s a 1967 Ford Thunderbird or a 1969 Chevrolet Camaro, here are the benefits you accrue when you buy classic car insurance from Patrick McNealis Insurance and Financial Group in Emmaus, PA.

Covers physical damage to your car

Comprehensive and collision coverages cushion your vehicle from physical damage when a covered peril strikes. Depending on the value you have used to insure your car, your insurer compensates you for the true value of your car if it’s stolen or totaled. And you don’t have to sweat about depreciation, unlike conventional vehicles. 

Liability protection

Even though you drive your collector’s car occasionally, mishaps can happen the few days you are on the road. If accidents happen, you could cause bodily injury or property damage to other people. Thankfully, with classic car insurance, third-party liabilities are your insurer’s headache. 

Roadside assistance

Whether old or new, cars can break down. But the last thing you would want is being stranded on the highways while strolling with your one-in-a-kind vehicle. The good news is that classic car insurance can bail you when your vehicle misbehaves miles away from home. 

With services like flatbed towing, gas delivery, flat tire changes, and battery jump-start, classic car insurance ensures that you aren’t stranded following your vehicle breakdown. 

Peace of mind

When you own something as valuable as your antique car, you are always worried about its safety. But whether it’s theft, fire, collisions, or vandalism, classic car insurance ensures that nothing steals your memories from you. 

Classic car insurance in Emmaus, PA

Are you looking for classic car insurance that protects your pride and joy? Would you please connect with Patrick McNealis Insurance and Financial Group for affordable coverage?

What Are the Risks Of Not Having Renters Insurance?

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If you rent an apparent or house, renters insurance is what you need. The purpose of this insurance is to protect tenants and their personal belongings from water damage, fire, and theft. Many tenants decide to save some money and not to buy renters insurance. However, it might be a risk that is not worth taking. Here is a list of risks that tenants may face if they decide not to purchase renters insurance:

Risks of Not Having Renters Insurance

Here is a list of reasons why skipping renters insurance is not a good idea:

  • If your possessions are damaged or stolen, they will not be reimbursed. For example, if there was a fire in your home that damaged or destroyed your personal belongings, you will have to pay for repairs and replacement out of your pocket. 
  • You can get evicted without renters insurance. It is stated in some leases that renters insurance is a requirement. Thus, if you signed a lease and agreed to maintain renters insurance coverage, you are risking getting evicted by your landlord. 
  • If your apartment or house is damaged, you will not have a place to live. If the place you live gets seriously damaged and becomes uninhabitable, you will need temporary housing. Usually, it is paid by insurance, but if you do not have renters insurance, you will have to pay for housing itself.

Patrick McNealis Insurance and Financial Group serving Emmaus, PA – We Are Ready To Assist You In Any Capacity 

If you are renting a home in Emmaus, PA or any other surrounding area, you need to carry renters insurance to protect your personal belongings and yourself. Patrick McNealis Insurance and Financial Group provide their clients with all types of insurance services, including renters insurance. We treat our clients with the respect they deserve and always help them find perfect insurance policies addressing their needs. Visit our website or give us a call if you have any questions. 

Is RV Insurance Mandatory In Pennsylvania?

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RV ownership in Emmaus, PA accords you a platform to enjoy the fascinating sceneries of Pennsylvania. Your RV in Emmaus PA is a designed house on wheels; thus, RV insurance should offer formidable protection for your expensive-owned asset. Several RV owners are converting their RV as their home and a prolific trend to tour and enjoy the breathtaking sceneries at the convenience of a home on wheels. Buying spectacular RV insurance from Patrick McNealis Insurance and Financial Group can make you enjoy your travels knowing that you and your expensive asset are protected.

Is RV insurance mandatory in Pennsylvania?

The state of Pennsylvania advocates RV owners to maintain the following coverage for their motorhome:

  • Bodily injury liability: Caters to medical costs for other motorists if you are deemed liable for an accident
  • Medical benefits coverage: It caters to personal medical bills if you are engaged in an accident with your RV.
  • Property damage liability: Reimburses repair or replacement costs for the damaged property for others.

State-mandated liability coverages sometimes are not sufficient to offer maximum protection for you and your RV. Therefore, it’s instrumental in considering other types of optional coverages, namely: 

Collision coverage: It pays for repair or replacement costs for physical damage propagated by a collision with another vehicle to your RV or other stationary objects.

Comprehensive coverage: It pays for repairing or replacing your RV if non-collision perils damage it. These covered calamities include contact with an animal, vandalism, and theft. 

Un-insured and under-insured motorist coverage: It pays for medical expenses for you and your passengers if you are involved in a hit-and-run situation with your RV where the other motorist possesses inadequate coverage, or they don’t have coverage at all.

Replacement cost or personal effects: This type of coverage safeguards your belongings like camera equipment or sporting gear inside your RV.

No matter what type of camp trailer you use in Emmaus, PA our local agent is ready to answer all queries about RV insurance coverage. So don’t hesitate to call or visit us at Patrick McNealis Insurance and Financial Group so that you can have peace of mind on your next trip.