3 Benefits Of Auto Insurance

Posted on March 31, 2022April 1, 2022 by admin

The Hansen Agency LLC serves Canonsburg, PA and surrounding areas. We are committed to helping our clients obtain the coverage they’re looking for. We proudly serve the area as an independent agency. This allows us to offer multiple types of coverage. Providing reliable service is important to us.

3 Benefits Of Auto Insurance

Operating a vehicle comes with multiple risks. You have to navigate changing road conditions such as traffic and detours. You also have to be aware of how other drivers are behaving. Auto insurance is a safety net while you’re on the road. You are covered if your vehicle suffers damage from a collision with another driver or object. You are also covered if you accidentally injure someone or cause property damage. Liability coverage also covers any necessary medical treatment that a passenger may have sustained. Here’s a look at some other auto insurance benefits.

Severe Weather Coverage

As a Canonsburg, PA resident, you are used to driving in severe weather. These weather conditions are dangerous and increase tension while on the road. Auto insurance covers your vehicle if it suffers damage due to extreme weather. Maybe high winds in the area cause debris to crack your windshield or mirror. Perhaps a tree branch snaps and dents the hood.

Theft Coverage

Being a victim of theft is not a pleasant experience. Auto insurance covers you if your vehicle is stolen. Perhaps the thief is unable to steal your car but vandalizes it. Comprehensive coverage protects you in that situation as well.

Personal Injury Coverage

You can add personal injury coverage to your auto insurance policy. Personal injury coverage protects you by covering your medical treatment if you are injured in an accident.

The Hansen Agency LLC Will Help You Protect Your Assets

Home Insurance FAQs

Posted on February 7, 2022January 30, 2022 by admin

Your home is the biggest investment most people will ever make. Making sure it is protected is important. Having the right home insurance gives you the safety net you need. At The Hansen Agency LLC in Canonsburg, PA, we know that your home is your castle, and we work with you to make sure you can sleep at night knowing you are protected. We are independent agents, which means we offer policies from a variety of carriers, and we can provide our customers with choices.

Is home insurance required in Pennsylvania?

No, the state of Pennsylvania does not require that you have home insurance. If however, you have a mortgage, your lender will require it since they have a vested interest in your home.

What coverage does home insurance provide?

Home insurance gives you property coverage for the physical structure of your home as well as any other structures on your property such as a detached garage or shed. It also covers your content either for the cash value or the replacement cost. Home liability coverage is an important part of your home insurance in the event someone is injured while visiting your home or by a family member away from home, even your furry friend. Additionally, if your home is damaged, your home insurance will help you to have a place to stay while your home is being repaired.

Will my home insurance cover my home if it is flooded?

If a pipe bursts within your home, yes it will. If the flooding comes from a sewer backup, it probably isn’t covered, and if it is surface water, you won’t be covered.

In Canonsburg, PA The Hansen Agency LLC provides the home insurance coverage that our customers want and need. You can contact us on the phone or in person, we are here for you.

What commercial insurance is required in Pennsylvania?

Posted on January 31, 2022January 30, 2022 by admin

Owning a business can be very risky. Many things can go wrong, and those things can result in your business closing if you don’t have the proper commercial insurance to protect you. In Canonsburg, PA, The Hansen Agency LLC works with our customers to make sure they have the insurance they need. As independent insurance agents, we work for them, not the insurance companies, and we give our customers the choices they need to make the right decision about coverage.

In the state of Pennsylvania, businesses are required to protect their employees with Workers Compensation Insurance. This insurance provides workers who are hurt on the job with payment for medical expenses and with lost time from work. If you have even one employee, this is required. All businesses that have vehicles are required to have the minimum mandated amount of auto insurance. But even though these are the only commercial insurance requirements, it is important to consider what insurance will help to keep you in business.

Commercial property insurance protects the things you need to stay in business. Even if you don’t own your business location, you do own what you have inside. Could you survive if you lost everything in your business location? Property insurance covers your machinery, inventory, raw materials, tools, office equipment and electronics, records, and more.

Commercial liability insurance protects your business from lawsuits brought against it. Businesses are vulnerable to being sued. Most businesses have been threatened with a lawsuit and between one-third and one-half of all small businesses are sued in any given year. Without the right commercial liability insurance, you will need to pay any judgment out of your own pocket and legal expenses as well. It could kill your business.

Contact The Hansen Agency LLC in Canonsburg, PA for personalized commercial insurance to fit your business needs.