Grove Financial & Associates, Inc

350 S Sporting Hill Rd
Mechanicsburg, PA 17050

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What Does Condo Insurance Cover?

You have just purchased a fantastic condo, and it is one of the most significant investments that you will make in your lifetime. You need to obtain condo insurance to protect your investment in your new home, but what exactly does condo insurance cover?

Condo insurance typically includes standard coverages to help protect you and your condominium unit, as well as your personal belongings and household goods.

Personal Liability Coverage

This type of coverage is great to have, especially if a guest who is visiting you at your condo is accidentally injured, and it is deemed to be your fault. Your condo insurance policy will help you pay your legal fees and the medical bills of the guest who was injured.

Building Property Protection

If a fire or other disaster destroys your condo, this part of your policy will pay to repair damages to the walls of your condo as well as the interior, including fixtures.

Personal Property Coverage

Personal property coverage will help you replace or repair items, such as your furniture, electronics, clothing, and other items if they are stolen or damaged in some way that is covered under your policy.

In addition to the standard condo insurance coverages,  there are more coverage options you can choose from to add to your policy.

Flood insurance may be in order if you live an area of Pennsylvania that flooding occurs often. This coverage will repair or replace items lost due to flooding. You can also opt for an umbrella insurance policy that will pay for damages you incur in a court case or even if you are sued for libel or slander.

To create the best condo insurance policy for you and your situation, you will need to enlist an insurance agent who is experienced and skilled in condo insurance. The agents at Grove Financial & Associates Inc. in Mechanicsburg, PA are ready to create your condo insurance policy today!

Auto Insurance Facts New Drivers Should Know in Pennsylvania

As a new driver in Pennsylvania, you may have some misconceptions about auto insurance protection. These misconceptions could cause you to make costly mistakes in your coverage. At Grove Financial & Associates, Inc., we’ll provide you with the facts concerning auto insurance protection so that you can make good insurance choices. Here are some vital auto insurance facts every new driver should know.

Fact: Auto insurance isn’t one size fits all. You can customize your coverage to obtain the essential protection you need. Customizing your policy can also save you money on your premium.

Fact: Standard auto policies in Pennsylvania offer numerous coverage options to include:

  • Liability – helps cover damage to others in accidents you cause
  • Collision – helps pay collision damage to your car.  
  • Comprehensive – protects your car from theft and covers damage caused by non-collision sources like falling objects, inclement weather, and vandalism.   
  • Uninsured Motorist – helps cover damage to your car caused by an uninsured or hit and run driver.
  • Roadside Assist – helps cover towing and minor vehicle repairs if your vehicle breaks down unexpectedly on the road.
  • Car Rental Protection – helps cover car rental car costs if your vehicle has to go to the shop for repairs.

Fact: Liability coverage is mandatory in most states, and Pennsylvania is no exception. All drivers are required to carry minimum liability coverage. This insurance pays for injuries and property damage of other drivers in accidents you cause.

Fact: Auto insurance coverage and costs vary from one insurer to another. By shopping around and comparing what different insurers have to offer, you can obtain quality coverage at reasonable prices.

Learn more about auto insurance in Carlisle and Mechanicsburg, PA by calling or visiting an agent from Grove Financial & Associates, Inc. today.

Types of businesses that benefit from commercial insurance

Many businesses will experience some kind of unforeseen losses. This can be in the form of damaged or stolen inventory, accidents such as fires or weather events, and even motor vehicle crashes involving commercial vehicles. When this happens, businesses will benefit from having an active commercial policy in force to help cover the costs of losses or protect against lawsuits if the business is at fault for the damage.

There are a few kinds of businesses that will benefit the most from commercial insurance. Providers such as Grove Financial & Associates, Inc. can provide coverage to companies in the Mechanicsburg, PA region.

Companies with fleets of commercial vehicles

Delivery trucks, taxi cabs, ride-sharing services, moving companies, and other businesses that rely on getting people and goods back and forth are exposed to high levels of risk by being on the roads for extended periods. An accident and subsequent legal action and insurance claims can turn into a considerable expense. An employee’s lost wages may also need to be paid after a collision. Commercial insurance is one of the only ways to cover the possibility of these events.

Businesses with a large inventory

Any business from an antique dealer to a company that manufactures large volumes of inexpensive products can face several problems if the inventory is damaged or lost. Inventory is especially vulnerable because anything from a natural disaster to problems with the manufacturing process can cause huge losses. Money from a relevant policy can help replace these items as quickly as possible.    

Find out what commercial policy will work best for you

To learn more about getting commercial insurance, you can speak with an agent who serves the Mechanicsburg, PA area. Representatives from Grove Financial & Associates, Inc. will answer your questions and help you set up a policy.

How do home insurance claims work In Pennsylvania?

If you live in Mechanicsburg, PA, you probably know the importance of having a home insurance policy. Home insurance can help cover your home from natural disasters, theft, and accidental damages. While no one wishes ever to make a home insurance claim, it happens at times, and after a catastrophe, all you want is to get back on your feet as fast as possible. Grove Financial & Associates, Inc. wants that too. 

What factors determine your home insurance rate and claim?

  • The age of the house
  • The location
  • Type of construction
  • Replacement cost
  • Coverage
  • Home-based business
  • Swimming pool

What to do 

In the event of an accident, whether it is fire or burglary, the first thing to do is to notify your insurance provider. If you were not at home, don’t enter until you have been permitted to by your insurer. If there is something you can do to save the situation, do so, and keep a record. You will also need to note down the damaged items as you wait for the insurance company agents to arrive.

Your insurance provider should send an agent to inspect the house immediately and record the damages. If your home is not too damaged, he or she may recommend replacements and repairs. You can choose whether to do it yourself or have the insurance company handle it. It is worth sourcing your receipts for valuable items, especially if they were damaged by fire. Receipts act as proof that you owned specific items.

Knowing what to do in the event of destruction is the first step into a fast and successful home insurance claim. At Grove Financial & Associates, Inc., we understand that your home is the most critical asset. Therefore, we can help you protect it at all costs. Feel free to visit us in Mechanicsburg, PA today!

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