Central Bucks Insurance

  We are based in the Central Bucks area and look forward to providing you the best in class service.  

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Pennsylvania's Distracted Driving Law

Effective June 5, 2026, the penalty is a summary offense with a $50 fine, plus court costs and other fees.

Pennsylvania’s hands-free law may be referred to as Paul Miller’s Law.

Paul Miller was killed in 2010 when a distracted driver crossed a center grass divider and traveled head-on into Paul’s car.

If a driver is convicted of homicide by vehicle and driving while distracted, they may be sentenced up to an additional five years in prison.

As a primary offense, drivers can be stopped by police if they have a mobile device in their hand while driving.

The law:

Defines an interactive mobile device as a handheld wireless telephone, personal digital assistant, smart phone, portable or mobile computer, or similar device which can be used for voice communication, texting, emailing, browsing the Internet, instant messaging, playing games, taking or transmitting images, recording or broadcasting videos, creating or sharing social media or otherwise sending or receiving electronic data.

Defines driving as operating a motor vehicle on a highway, including anytime the motor vehicle is temporarily stationary because of traffic, a traffic control device (e.g., a traffic light or stop sign), or other momentary delay.

Defines the use of an interactive mobile device as using at least one hand to hold, or supporting with another part of the body, an interactive mobile device, dialing or answering an interactive mobile device by pressing more than a single button, or reaching for an interactive mobile device that requires a driver to maneuver so that the driver is no longer in a seated driving position, restrained by a seat belt.

A driver may use an interactive mobile device if the driver moves the vehicle to the side of or off a highway and halts in a location where the vehicle can safely remain stationary. The hands-free law allows for an emergency use exception if it is necessary to communicate with a law enforcement official or other emergency service to prevent injury to persons or property.

Pennsylvania's Texting-While-Driving Ban

The law prohibits as a primary offense any driver from using an interactive mobile device to send, read or write a text-based communication while his or her vehicle is in motion.

Defines an interactive mobile device as a handheld wireless telephone, personal digital assistant, smart phone, portable or mobile computer or similar device which can be used for voice communication, texting, emailing, browsing the Internet, instant messaging, playing games, taking or transmitting images, recording or broadcasting videos, creating or sharing social media or otherwise sending or receiving electronic data.

Defines a text-based communication as a text message, instant message, email or other written communication composed or received on an interactive mobile device.

Makes clear that this law supersedes and preempts any local ordinances restricting the use of interactive wireless devices by drivers.

"Faces of Distracted Driving" is an online photo series exploring the tragic consequences of texting and cell phone use behind the wheel by sharing the stories of people from across the country who have been injured or lost loved ones in distracted driving crashes. Click here to view "Faces of Distracted Driving."

Dtown Insurance agents have many years of experience in auto insurance. Our agents prioritize getting you the right coverage for the best price available.  One of the best auto insurance carriers we work is AAA,  one of the country’s largest and most reputable insurance carrier in the United States. Call today.

Blog is originally published at: https://www.dtowninsurance.com/pennsyvania-s-distracted-driving-law-paul-miller-s-law

It is republished with the permission from the author.

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Do I Need a Home Generator?

We have gotten a few calls inquiring if you can get a policy discount on your home insurance if you have a home generator. Unfortunately, the answer is no, but a home generator reduces the risk of damage to your home, and personal property, and in turn reduces the potential of having to file a home insurance claim. And insurance claims end up increasing your home insurance premium.

Home generators come in a variety of types and sizes, from portable versions to standby and inverter units. There are three basic types of home generators:

Portable generators - typically run on gasoline and need to be operated at a safe distance from any structure.

Standby generators - start automatically when the power goes out and are run on propane or natural gas.

Inverter generators - have a more complex engine than the other types and are much quieter than their conventional counterparts.

Why would I get a home generator?

We can't control the weather!

Most electric power outages are weather-related. As the number and severity of extreme weather events rise, so does the likelihood of a blackout lasting 24 hours or more.

Do you have a private well?

Without electricity, your well water pump and filtration systems will lose the ability to provide potable water for drinking, bathing, and heating.

Do you have a sump pump?

If you rely on a sump pump to keep your basement dry – including all your stuff you keep in the basement. Losing power means you also lose protection against water damage and increases the possibility of filing a home insurance claim.

You work from home.

If you work remotely out of your home, you know every minute counts. Going without power for even an hour can be a major inconvenience to you, your clients and customers.

Food spoils quickly.

According to the FDA, perishable food items should be thrown out once your refrigerator has been without power for as little as four hours.

Your property is vacant for extended periods of time.

If you are a frequent traveler or own a seasonal home, having a generator can protect your property from outage-related emergencies. You don’t want to come home to a burst pipe and water damage; a generator will reduce the likelihood of having to file a home insurance claim.

Is there homebound loved one at home?

If a loved one requires the assistance of a home medical device that runs on electricity, a power outage can be deadly.

Whether it's due to storms, branches or trees falling, or some other challenge, power outages can bring an assortment of problems for homeowners. A home generator can become one of your go-to remedies for those unexpected situations. Checking out the options before you lose electrical power is a smart way to beat the crowds who'll be racing to scoop up a home generator, for that "next time" outage scenario. Home generators also provide reduces the probability of having to file a home insurance claim.  Also, if your generator is damaged by a covered perils, homeowners insurance typically steps in to repair or replace the damaged unit, minus the deductible.

Dtown Insurance is here to help with your insurance; we can compare home insurance coverages with our carriers and look to provide you the best coverage available for your money!  Call us! 215-345-1796

Blog is originally published at: https://www.dtowninsurance.com/do-i-need-a-home-generator

It is republished with the permission from the author.

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What Do Homeowners Need to Know About Severe Convective Storms?

What are convective storms? 

Convective storms, or Thunderstorms, form when warm, moist ground air rises rapidly and cools. This process can lead to the development of tall, powerful storm clouds capable of producing severe weather. A convective storm reaches a severe level when it results in large hail (about an inch in diameter or more), very strong wind gusts exceeding 57.5 mph or the formation of a tornado.

Types of convective storms

Single-cell (common) thunderstorms

Single-cell thunderstorms often develop on hot, humid summer afternoons. They are relatively small size, develop quickly and tend to be short-lived.

Multi-cell clusters

They are complex storm systems that move collectively, often traveling in organized formations that can extend for hundreds of miles. Capable of producing hail, flooding, tornadoes and damaging winds, including powerful straight-line winds known as derechos. pronounced similar to "deh-REY-cho."

Supercells

Are the most dangerous type of convective storms. They are characterized by a rotating updraft, or “mesocyclone,” that can be over 10 miles wide and up to 50,000 feet tall. Most large and violent tornadoes originate from supercells.

When and where do severe convective storms occur?

Convective storms can strike in any season and almost anywhere in the U.S. Tornados are most likely to develop in the spring and early summer, when warm, moist air and unstable atmospheric conditions are more common. Research shows that tornado activity has been increasing in parts of the Southeast, Midwest and Northeast. This means that, 

the signs of a tornado and the difference between a watch and a warning can help you respond quickly.

What are some risks to your home and property during convective storms?

Convective storms can cause costly damage both inside and outside of your home. 

Common risks include:

 Damage to roofs, windows and siding from high winds, fallen trees, hail or flying debris.

 Flooding inside the home from heavy, wind-driven rain or flash floods, especially in basements and lower levels.

 Fire and electrical damage to the home caused by lightning strikes.

 Damage to outdoor structures and personal property, such as fences, sheds or patio items, from hail, debris or falling branches.

 Power outages and utility disruptions can affect home systems and appliances and can last hours or days.

How homeowners can prepare for severe storms

Consistent year-round home maintenance helps reduce storm damage and costly repairs, making your home more resilient when severe weather strikes.

 Inspect the roof for loose or damaged shingles and repair promptly.

 Clear out gutters and downspouts to ensure proper drainage.

 Seal gaps around windows and doors to keep out wind-driven rain.

 Trim trees and remove dead branches near your home.

 Test sump pumps and backup systems to avoid basement flooding.

When severe weather is in the forecast, bring in or anchor outdoor items like furniture, grills and firepits that could become airborne in high winds.

Emergency supplies checklist

Power outages can last for hours or even days. A well-stocked emergency kit containing essentials like food, water, flashlights, batteries and first-aid supplies can help keep your family safe and comfortable until conditions improve.

Store your emergency kit in an easy-to-access waterproof container and check it periodically to refresh expired items.

Stay safe at home during a convective storm

Remain indoors and away from windows, monitor weather alerts and local updates and instructions, and avoid driving. Roads can flood quickly, visibility may be limited, and debris or downed power lines may block your path. If the power goes out, use flashlights, not candles, to help reduce the risk of fire.

Safety and recovery tips after the storm

Assess post-storm damage  - Check for injuries and remain vigilant for hazards such as downed power lines, gas leaks or structural damage. Be sure the area is secure before moving around your home.

Document storm damage  - Document property damage, both inside and out. Take photos and videos of any damage to help support insurance claims.

Protect your property  - Help prevent further damage to your property by temporarily covering broken windows, damage to the roof or other vulnerable areas using tarps or boards.

Contact your Agent or insurance carrier  - If your property has any storm-related damage and a claim is necessary, notify your insurance carrier as soon as possible.

How home, auto and renters’ insurance can cover storm damage

Homeowners insurance coverage

Typical homeowners insurance covers damage caused by wind, hail and falling trees or debris. Roof damage is generally covered under the base policy, although some insurers may limit coverage or offer an endorsement to provide replacement cost protection. Sewer backup coverage can be added to many policies as an optional endorsement.

Comprehensive auto insurance 

Comprehensive auto insurance coverage is essential for protection against the costs of hail, falling branches and other storm-related damage. Without it, you could be responsible for repairs or total loss out of pocket.

Renters insurance

Renters insurance helps cover costs to repair or replace personal belongings that may be damaged due to a storm. It may also provide loss-of-use coverage(think food and shelter) if your rental unit becomes uninhabitable.

Understand flood coverage and policy maintenance 

It’s important to note that homeowners and renters policies typically do not cover flooding. Consider a separate flood insurance policy from the National Flood Insurance Program or a private insurer, especially in flood-prone areas.

Review and update your home insurance coverage regularly to help ensure that it keeps pace with rising repair costs, property values and risks. Maintain a current home inventory with photos, receipts and serial numbers to make claims easier.

Being prepared can mean peace of mind

Severe convective storms can strike with little warning, making advance planning essential. Taking the time to prepare your home and your family can reduce your risk – Be sure to sign up for local emergency alerts so you’ll know when severe weather is on the way. These steps can make a big difference when time is short.

Dtown Insurance is here to help, we can compare home insurance coverages with our carriers and look to provide you the best coverage available for your money!  215-345-1796

Blog is originally published at: https://www.dtowninsurance.com/thunderstorms

It is republished with the permission from the author.

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The Motorcyclist’s Guide to Insurance

E-Bikes and more...Micromobility

Here in Pennsylvania, we are seeing a lot of discussion and visibility of electric scooters, skateboards, and E-Bikes (Electric Pedalcycle) especially on the streets of Doylestown, PA. And most of the people we see on these “micromobility” vehicles are operated by people to young to have a valid drivers license and drive a car. We often see them without a helmet. Here’s a description of each vehicle:

What is an E-Bike?

These are operated by human power and can be assisted with an electric motor. The E-Bike must be equipped with operable pedals and can exceed 20 mph when powered by the motor. The E-Bike must weigh less than 100 pounds, and the motor must be less than 750 watts. The E-Bike operator must be at least 16 years old.

What is an E- Scooter?

E-Scooter falls under the definition of a vehicle, and are not exempt from registration and insurance, as set forth by the Commonwealth of PA. However, most electric scooters do not have the necessary safety equipment (turn signals and mirrors) to comply with inspection and registration requirements. This effectively makes the E-scooter illegal to ride on state roads. Operators must be 16 years of age, and have a valid drivers license.

What is a Motorized Pedalcycle and Scooter?

These are motor or electric powered cycles equipped with or without pedals. There are no power limits, and they have a maximum design speed under 25 mph. Both the motorized pedalcyle and the motor scooter require Commonwealth registration, insurance, and annual inspection. Operators of these vehicles must be 16 years of age, and have a valid drivers license.

What is an Electric Personal Assistive Mobility Device (EPAMD)?

Think of hoverboards and segways. They are often confused with electric scooters. This vehicle is a self-balancing, two wheel, non-tandem-wheeled device. Designed to move only one person with electric power. These vehicles are not permitted on highways, and children under 12 must wear a helmet.

And what about the newly designed golf cart or Neighborhood Electric Vehicles?

These mobility vehicles are growing in use in the suburbs, but they must be equipped with safety controls; Brakes, speedometer, windshield wiper, horn, and a slow-moving vehicle decal are required.

Can only be driven on roadways with posted speed limits of 25 mph or less.

May only cross roads (if more than two lanes), at intersections with traffic lights.

 Must be registered with the Commonwealth, insured, operated by a licensed driver.

Here is Pennsylvania’s Department of Transportation fact sheet on Micromobility vehicles:

Contact Dtown Insurance for your Auto Insurance

Dtown Insurance is here to help, we can compare auto insurance coverages with our carriers and look to save you money on your insurance! Call today!

Blog is originally published at: https://www.dtowninsurance.com/e-bikes-and-micromobility

It is republished with the permission from the author.

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5 Signs You Might Be Underinsured

No one really wants to think about life insurance. Getting life insurance does not have to be difficult.

How much life insurance is enough? That question is important one to answer correctly.

You may not have enough insurance if:

1.    You only have life insurance from your employer

These plans normally are very limited group plans ( a year’s worth of your salary), and are highly unlikely to meet your family’s long term needs: pay off debts, mortgage, college education. In addition, these policies are contingent on your staying at the same job. It is estimated that most people will have twelve different jobs in their lifetime.

2.    You are making more money

A higher income normally changes your lifestyle, think bigger home, nicer car. In addition, if you depart unexpectedly your family will struggle to maintain the same lifestyle without your income.

3.    Your stay-at-home spouse does not have any life insurance

Even if they do not make any reportable income that would need to be replaced, they perform valuable services that would need to be paid for if they are no longer in the home.

4.    You had a child

Or two! Raising a child is expensive – raising a child costs more than $21,000 per year on average, with our even factoring college or trade education. If you are a new parent, it is a good time to review your life insurance coverages. Think long term for life insurance. You would not want your spouse to have to struggle for food and shelter if you were no longer in the picture.

5.    You bought a new home

Paying the mortgage is the biggest financial need for any family and more challenging for a newly widowed spouse. If you bought a home, you will need life insurance to successfully pay off the mortgage. In addition, it is no fun to move, especially after a sudden or tragic loss.

The price of life insurance depends on four main factors: your age, your health, the type of policy and how much coverage you buy. In general, you will pay less the younger and healthier you are. You also typically pay less for a term life policy than a permanent life policy.

Dtown Insurance agents are experienced in all types of life insurance: Term, Whole, or Universal life insurance. We also have access to multiple life insurance companies, like AAA, Banner, AAA, and Pacific Life.

Call us today at 215-345-1796.

Blog is originally published at: https://www.dtowninsurance.com/five-signs-you-might-be-underinsured

It is republished with the permission from the author.

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Looking for New Auto Insurance?

10 things you should have handy

1. What is the make, model, year and VIN?

2. What are you current coverages? Do you have Comprehensive, and Collision deductibles?  $500 or $1,000?

3. Does the vehicle have safety, or anti-theft devices?

4. Who are the named drivers, and their age?

5. What is the driving history? Any accidents or tickets?

6. How many miles are driven annually?

7. If you have youthful, or teenage, or new drivers, have they completed a drivers training course? Are they A or B students? Is your school aged driver away from home, more than 150 miles away?

8. How will you use the vehicle: Pleasure, Commute, Business use?

9. Where will the car be kept(garaged)? Same as your home address?

10. Will you be using a vehicle for rideshare, uber, or lyft?

Our personal coverage extends throughout Buckingham, Chalfont, Doylestown, Furlong, Jamison, Langhorne, Newtown, New Britain, Montgomeryville, New Hope, Warrington, Warwick, Upper Makefield, Lower Makefield, and  all of Bucks, Montgomery counties.

Contact Us

Dtown Insurance 3503 York Road, Suite 10 Furlong, PA 18925 Phone: [phone] Fax: [phone] Email: [email protected]

Blog is originally published at: https://www.dtowninsurance.com/think-you-re-paying-too-much-for-auto-insurance-call-today

It is republished with the permission from the author.

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When Should You Buy Life Insurance

Many people do not realize it is easier and cheaper to buy life insurance when you are young and healthy!

Life insurance agents recommend getting a policy in your early 20s. While life seems to just be starting at this young age, you can expect things to change as marriage, home ownership, children, and careers start to take prominence.

Additionally, life insurance premiums are much lower when you start at an earlier age, and as you progress through life, you can work with your agent to make changes as needed. Life insurance can be purchased at various ages, but specific milestones exist that life insurance brokers acknowledge as being more important.  The best age to buy life insurance is between ages 25 to 30.

When You Have A Family

Life insurance is most often seen as important when you start a family.  What would your spouse, son or daughter, do without your income? How long could they maintain their lifestyle?  Often times when starting a family you incur larger debt, life insurance can pay off the debts if something tragic happens.

Aging Parents

The cost of care for seniors can be very expensive, depending on their health needs. Whether you are caring for them yourself, or paying for the assistance they need, you want to be sure that the necessary care continues if something were to happen to you.

When Purchasing A Home

As a family grows, the home must accommodate the new little residents. Life insurance provides a safety net when your own a home with a mortgage, helping to make sure that the financial payments are covered in the event of a tragic, or untimely death.

When You Own a Business or Self-Employed

Life insurance agents strongly recommend getting life insurance if you are self-employed, or own a business. In both scenarios your finances and your business’ future can be secured if something were to  happen to you, and also allowing you to worry less. Life insurance can provide cash to pay off business debt, expenses incurred, and still owed by your business 

Dtown Insurance agents are experienced in all types of life insurance: Term, Whole, or Universal life insurance.  We also have access to multiple life insurance companies, like Banner, AAA, and Pacific Life. Call us today at 215-345-1796.

Blog is originally published at: https://www.dtowninsurance.com/when-should-you-buy-life-insurance

It is republished with the permission from the author.

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Six Ways to Lower Home Insurance Premiums

The Pennsylvania and New Jersey auto and home insurance industry is going through a ‘hard’ market, a challenging insurance market that we have never experienced before. A hard market is defined as two or more years of premium increases of 5% or more. This hard market also includes other complex navigational challenges like multiple insurance carrier rate actions, which include numerous new business restrictions, and increased scrutiny around new and existing insurance agency appointments. This market also has insurance carriers being more selective from an underwriting standpoint on both new and in-force business.

A house is most likely the largest investment you will make in your life, so you want your investment to be properly insured in case something unexpected happens. Homeowners insurance can provide you with that safety net for the unexpected. Unfortunately, homeowners insurance can be pricey, here are six ways to lower your home insurance costs:

1. Raise Your Deductible 

While raising your deductible may sound counterintuitive, doing so will help you save money every month. Your insurance deductible is the amount you pay towards a covered loss. This deductible is your share of the cost of the claim to repair or replace your home and personal items. If you have a higher deductible, you can save more money in premiums you pay to the insurance company.

2. Secure Your Home

Companies will provide discounts on your home insurance if you have basic security systems in place. A 5% discount is usually given just for having smoke detectors, a burglar alarm, and/or deadbolt locks. In addition, many insurers offer a 15% discount if you have a central monitoring system (think ADT or SimpliSafe) that will detect a forced opened door, or smoke odor. This monitoring system will automatically notify the police and firefighters that your house may be in jeopardy. While these systems can be pricey, the investment is worthwhile as this helps protect your house and in turn lower your home insurance costs in the long run.

3. Use the Same Insurance Company for Home and Auto

Almost every insurance company will offer up to a 15% discount if you have more than one insurance policy with them. This includes auto, home, and life insurance. Normally the discounted cost is cheaper than buying two insurance policies from two different insurers. Bundling your insurance is another great way to save on your insurance premiums.

4. Other Potential Discounts

Many insurance carriers have special discounts depending on your individual circumstances; If your home is:

A new purchase

Newly built

Installed a new roof

Upgraded your heating/air conditioning

Ask about Paperless discounts.

This is a great discount and easy to take advantage of. Almost every insurance company has easy to use websites and phone applications to manage your policies.

5. Build Your Credit Score

Having a good credit score comes in handy in almost every financial situation, including the potential to lower the cost of your home insurance. Has your credit score improved significantly recently? The better the credit score, the better, and lower insurance rate. To build your credit score, pay bills on time and keep your credit balances in low.

6. Shop Around

It pays to shop your home and auto insurance every two to three years, not every year. Insurance companies like that you are also loyal to your current insurance carrier.

Through these six steps, hopefully you can lower the cost of your home insurance. While home insurance is essential, you want to take steps to lower the cost while still having adequate coverage. By following the steps listed above, you can make sure you are paying a lower cost for home insurance.

Contact Dtown Insurance for Your Home Insurance Needs

Dtown Insurance agents have many years of experience in selecting good home insurance coverages. Our agents can help guide you through the various Pennsylvania and New Jersey home insurance carriers available to make an informed decision and find the right policy for you and your family.

Blog is originally published at: https://www.dtowninsurance.com/6-ways-to-lower-your-home-insurance

It is republished with the permission from the author.

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Auto Insurance Costs are increasing

If you have recently gotten a more expensive car insurance bill, you’re not alone. Nationally, auto insurance costs are up about 15% from last year. In fact, car insurance premiums are expected to continue rising. Major insurance companies, like Allstate, Progressive, and State Farm announced prices increases for 2023. This is due to the worst incurred loss ratio for a first quarter in two decades.

What are the factors that are affecting auto insurance premiums?

The loss ratio is a calculation that adds the total claims plus cost to administer the claims, divided by the total premium earned for an insurance company.  Simply put, insurance companies need to be profitable, and with a low loss ratio, they are in a better financial position.

The higher costs for new cars, auto repairs, including automotive car parts, and labor costs due to the lack of skilled auto mechanics affect the loss ratio. Another factor is the increased cost for car rentals due to less available vehicles. More drivers are returning to the roadways for leisure and commuting back to the office, increasing the risks of accidents. Many analysts also attribute the higher accident rate to the bad driving habits (speeding, texting while driving) acquired during the pandemic.

Law of Large Numbers

It is also important to understand that you are not the only person your insurance company insures. You are one driver in a large pool of drivers. Insurance is about spreading the costs (car repairs from accidents, medical costs) over a large number of customers. Our Pennsylvania insurance pool is constantly changing and is impacted by the increased costs. Many good drivers are penalized with higher insurance rates have little to do with their driving and lack of accidents.

Social Inflation

Social inflation is how insurers’ claims are increasing about general inflation. This is thought to be due to a trend in increased litigation from people suing and seeking large monetary payouts for their injuries.

Contact Dtown Insurance for your Auto Insurance

Dtown Insurance is here to help, we can compare auto insurance coverages with our carriers and look to save you money on your insurance! Call today!

Blog is originally published at: https://www.dtowninsurance.com/auto-insurance-increases

It is republished with the permission from the author.

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The Motorcyclist’s Guide to Insurance

You know spring is here when you start up and hear the rumble of your motorcycle. And then you take your bike out and get the rush of fresh air in your face; The pure joy of riding your motorcycle on bright sunny day!

There’s nothing quite like driving a motorcycle. You never know what is around the next corner, or bend, and the last thing you want is a spill, or accident with your bike.  Any good motorcycle owner, or enthusiast, will have good insurance from a great insurance company to protect yourself, your riders, and your bike!  

At Dtown Insurance, we have access to great motorcycle carriers like: American Modern, Encompass, Foremost, Progressive, and Hagerty for the classic motorcycle collector.

Our Guide to Motorcycle Insurance

Types of Motorcycles That Can Be Covered

You took great care in selecting the perfect ride, right? Whether you ride a touring bike, sport bike, cruiser or standard, the proper insurance coverage can make sure you’re protected no matter what ride you choose. What is the right ride for you?

Cruiser: Cruiser motorcycles mimic the style of earlier American motorcycles from the 1930s to the early 1960s, such as those made by Harley-Davidson and Indian. Although cruisers have benefited from advances in technology and metallurgy, the basic design is still very similar to early motorcycles, and they offer an easy ride.   Off-Road: Off-road motorcycles generally are light weight with small displacement engines. The suspension travel is longer than a typical motorcycle, with higher ground clearance. Their construction is rugged, simple and without bodywork and fairings.   Standard:  Standard motorcycles are, as the name implies, more basic. Riding positions typically are upright and similar to that of a cruiser, but with foot pegs placed farther rearward. The riding position, coupled with better ground clearance than a cruiser, gives standard motorcycles better handling characteristics. Engine displacements are smaller than those for cruisers.   Sport: Sport class motorcycles are light and powerful. These bikes benefit from advances in design and technology intended for racing; however, they are not considered racing specification machines. Some of the best bikes in this class are the Suzuki GSX-R1000 and the Kawasaki ZX-10R.   Touring: Touring motorcycles are among the longest and heaviest motorcycles, often weighing more than 800 pounds. Touring motorcycles offer wind protection for the rider, high-capacity fuel tanks, the ability to carry luggage and an upright riding position that is comfortable for long distances. Think BMW GS or the Honda Gold Wing.   Trike (Reverse Trike): Trikes are typically cruiser or touring two-wheel motorcycles that are converted to three-wheel units. Also in the class are factory made bikes with two wheels in the front. The Can-Am and the Polaris are two great rides in this category.

Insurance Coverages

Your insurance coverage should be as personalized as your bike. Do you just want to protect yourself and your passengers? What about the bike itself?  Do you want roadside assistance also?

Property Damage Liability and Bodily Injury: Coverage protects you if someone is injured as a result of an accident or covers damage to the property of others by your motorcycle.    Comprehensive: Coverage pays for damage to your personal motorcycle due to something other than a collision, such as a fire, theft, hail or vandalism.    Collision: Pays for damage to your motorcycle resulting from a covered accident.   Medical Payments: Coverage pays the cost of medical care you receive as a result of a motorcycle accident and can be used regardless of who is at fault.

Uninsured and Underinsured: Protects you and your passengers from bodily injury caused by other drivers without adequate auto insurance. This is a must have today!

Discounts

Most insurance carriers offer a discount for bundling your motorcycle insurance with another insurance policy with them, like auto or home insurance. It is always better to bundle your motorcycle insurance with auto and/or home insurance. This provides a one stop shopping experience with one premium and one carrier.   Many carriers offer a discount if you complete a safe rider training course and also a discount for “winter layup,” for the winter season when you store your bike in the garage. Another suggestion is to reduce, or lower, your limits of liability when your bike is in storage during the winter months.

Tip:

The best time to buy, or upgrade, a motorcycle is the month of February. February has shorter days(think sales and demo rides), and also the dealerships are getting ready for the rush of new and returning riders as the weather starts warming up.

Contact Dtown Insurance for your Motorcycle Insurance

When you get back from your first spring ride on your motorcycle, and you are sitting on the porch, take a minute and look at your current insurance coverage; When is the last time you shopped your motorcycle insurance?

Dtown Insurance is here to help, we can compare coverages with our carriers and look to save you money on your insurance! Contact us today.

Blog is originally published at: https://www.dtowninsurance.com/motorcycle-insurance

It is republished with the permission from the author.

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A Classic, Custom, or Restomod: We can insure you!

A classic, custom, collectible, or antique car requires insurance that reflects your vehicle’s uniqueness and value. The baby boomer generation fueled the demand for these cars. They fell in love with the Ford Mustang, Corvette Stingray, and other classic 70’s cars. Along with restoring them, they added new modern features and created a new segment of collectible cars. This collectible car segment is known as Restomods.

Whether you are thinking of buying one of these cars, or currently have one, you should have the right protection for your ride.

What types of vehicles need special insurance?

A classic, collectible, or antique car is no ordinary everyday car—and regular auto insurance is not sufficient to protect such a vehicle against damage or loss.

There is no uniform definition of a classic car. The real determining factor is if the car’s value exceeds its original selling price, then it should be considered collectible and a candidate for specialized classic car insurance. In general, vehicles that might warrant classic car auto insurance include:

     Antique and classic cars, usually at least 25 to 30 years old

     Restomods, hotrods and modified vehicles

     Exotic and luxury autos—think Alfa Romeo or Porsche

     Muscle cars

     Classic trucks

You might also need specialized insurance for vintage military vehicles, classic motorcycles and antique tractors.

Qualifying for collectible or classic car coverage

A car's age is not enough to qualify for specialized classic car insurance. While requirements differ from company to company, most cars need to meet the following criteria to qualify:

Limited use – Your classic car cannot be used for everyday commuting or errands, and your policy may include mileage limitations and proof the car is being properly garaged.

Car shows and meet-ups – The limited use provision of a classic car policy allows for travel to car shows and auto club meetups.

Secure storage – When not in use, your special vehicle must be stored in a locked, enclosed, private structure, such as a residential garage or storage unit.

Not every vehicle, however special, will meet the qualifications of every insurer. For instance, some insurers may not cover vintage off-road vehicles. Insurers may also decline to insure vehicles that are in poor condition or have unrepaired damages. You will also need to provide pictures of the front, back, side of the car, the engine, and the inside of the car.

What you should know about classic car policies

Your classic car policy will include provisions found in standard auto insurance policies, notably property damage and bodily injury liability coverage.

But there are some differences, as well:

Agreed value – Because each car's condition is unique, there is no set "book value" for specific makes and models. The first step in insuring your classic car is for you and one of our carriers Hagerty  or American Modern to agree on the value of your classic car. This value will be specified in your policy and your car will be covered up to that value without depreciation.

Unlike everyday vehicles that depreciate over time as you add miles to them, classic cars usually gain value. At Dtown Insurance we’ll check with you every year to make sure we have the correct value of your auto as it appreciates.

Specialized repair or restoration – Your policy should provide you the flexibility to bring your vintage muscle car or restomod to the right mechanic or body shop—even if the rates may be twice, or three times, the cost of a typical car repair at a traditional auto body shop.

Special towing and spare parts – Coverage for towing is commensurate with the special demands of transporting a classic car. Spare parts coverage, too, needs to be aligned with the cost of replacing valuable and perhaps hard-to-find original vehicle components, such as wheels, transmissions, and engine parts.

Dtown Insurance is here to help you get the right coverage at the right price for your investment or Restomod. Contact us today!

Blog is originally published at: https://www.dtowninsurance.com/how-to-protect-your-collectible-car-investment

It is republished with the permission from the author.

[centralbucksinsurance]

Pennsylvania and New Jersey homeowners insurance policies cover fire, wind damage, and water damage from plumbing leaks. Today’s household appliances, heaters, and air conditioning equipment gets more costly to repair, and most likely the big repairs will not be covered by homeowners insurance. Off-the-shelf policies exclude flooding and breakdown of systems and appliances.  Many home insurance carriers now offer an added coverage - Equipment Breakdown Endorsement.

You can add this endorsement for around $50 per year.

What Does the Equipment Breakdown Endorsement Cover?

The insurance companies we work with have variations on what is covered and what is NOT covered. Nevertheless, most cover the cost to repair or replace items hit by mechanical or electrical failure. Think air conditioning, heating

systems, appliances, electronics, smart devices and more.

Some examples

Your dishwasher breaks down when the motor burns out.

A central air conditioner compressor fails.

The back-up generator or water heater break.

Your smart home monitoring system stops working.

What is the Coverage Limit on Homeowners Equipment Breakdown?

Insurance company coverage varies, but many have a $100,000 limit for claims. This is enough to cover almost any system in Pennsylvania and New Jersey homes.

Does a Deductible Apply to Equipment Breakdown?

Yes. Usually it is different than your regular homeowners policy deductible. $500 is a common deductible on homeowners Equipment Breakdown Endorsements.

What’s Not Covered by Equipment Breakdown?

Wear and tear or gradual deterioration are never covered. Everything eventually fails. Do not expect insurance to pay for items past their useful life. For example, if your 30-year old air conditioning compressor dies. The insurance company will likely deny your claim.  Other exclusions apply to all homeowners policies. Examples include intentional damage; flood; or seepage through a foundation.

Homeowners Equipment Breakdown Coverage vs. Home Warranty

Many new homebuyers buy a home warranty when they invest in a home. Home warranties help guard against big expenses in the first few years of ownership. They pay the cost of repairing or replacing major appliances or equipment.

Unlike Equipment Breakdown insurance, home warranties usually pay for wear and tear. That is why home warranty coverage is much more expensive than equipment breakdown coverage. Equipment breakdown often costs less than $50 a year. Home warranties can cost $50 or more per month.

Should I Buy Homeowners Equipment Breakdown Coverage?

You might purchase breakdown coverage on your homeowners if:

Your home or most of its equipment is newer.

 The coverage is inexpensive.

You might NOT want to buy homeowners Equipment Breakdown coverage if:

You already have a home warranty

Your home’s equipment is older and you’re worried about breakdown due to wear and tear.

When was the last time your reviewed your home insurance coverages? Has your home insurance cost

increased dramatically?  Dtown Insurance is here to help! Contact us today and we will review your coverages!

Blog is originally published at: https://www.dtowninsurance.com/equipment-breakdown-endorsement

It is republished with the permission from the author.

[centralbucksinsurance]

Farm and Ranch Policy for Bucks and Montgomery Hobby Farmers

Do you need a Farm and Ranch Policy?

What Is Farm and Ranch Owners Insurance?

Whether you are a Bucks or Montgomery Pennsylvania farmer who grows corn or soybeans, or a family with a small acreage hobby farm, the land is your livelihood. Farming and ranching is more than what you do, it is who you are. At Dtown Insurance, we can find you the right coverage that protects everything you work hard for each day.

Farm and ranch owners insurance is dual coverage that protects your farm operations and the home that you live in. With it, you will have a custom blend of homeowners coverage and business insurance with additional options to best fit the specific needs of your farm or ranch.

Family Farm and Ranch Insurance Coverage

In addition, to keep a successful business running, you need the right protection for your property, farm tractors, barns, and sheds on your property. That is why a Farm and Ranch policy will help safeguard your farm or ranch with customizable coverages that lets you build a single, reliable policy.

Parts of a Farm and Ranch Insurance Policy

Dwelling coverage

Offers protection for your farm home and all your stuff in your home against fire, lightning, windstorms, hail and most accidental losses, including vandalism and theft.

Farm personal property coverage

This provides protection for personal items in your farmhouse: clothes, furniture, and tvs.

Additional living expenses coverage

Pays for increases in living expenses if you have to move out of your home due to a covered loss. This coverage will pay for food and rent while your home is being repaired.

Additional Private Structures

Most Bucks and Montgomery County hobby farms have detached garages or other private structures that are designed solely for your personal use.

Includes private garages, utility buildings, boat slips and docks in same location as your house.

Other structures covered include gazebos, tennis courts, children's playhouses, structures for hot tubs, in-ground outdoor swimming pools and above-ground swimming pools and pool houses and outdoor kitchens.

In addition, if you are renting out a space to tenants to board a horse on your farm, and that space incurs a covered loss that causes the space to become unusable, you will have coverage that can help pay the rental value of that horse stall.

This added coverage can make a big difference to your bottom line.

Farm building coverage

This coverage helps protect your pole barns, machine sheds, detached garages or other outbuildings.

Farm liability coverage

Delivers protection for the unexpected — including accidents, bodily injury, medical expenses or farm property damage.

Optional Farm and Ranch Insurance Coverages

Optional coverages help you customize your policy to your specific farm and ranch needs. Consider it added protection for extra peace of mind.

Farm equipment breakdown coverages

This covers a direct physical loss to your tractors, and other equipment due to an accident.

Additional farm and ranch property coverages

Optional coverage that offers extra protection, including increased limits on borrowed tractors and machinery, additional livestock hazards and more.

Supplementary coverages

Extra protection built into your policy for fire department service charges, private power and light poles, debris removal, clean up and more.

If you have a small farm, or a hobby farm, in Bucks County Pa contact us at Dtown Insurance. We're here to help  you get the coverage you need for your farm or ranch.

Blog is originally published at: https://www.dtowninsurance.com/farm-and-ranch-policy-for-bucks-and-montgomery-hobby-farmers

It is republished with the permission from the author.

[centralbucksinsurance]

How to Save Money on Auto Insurance

What is Telematics?

In Pennsylvania and New Jersey you are required to have auto insurance before you get behind the wheel of your car. Every insurance carrier has a set of factors that are used to determine the price you pay for car insurance.

What if you could get a lower cost insurance based on how safely you drive?

Telematics

Telematics in simple terms is a method of monitoring a vehicles movement with GPS technology via devices, or easy to install applications, on your iPhone or Android, to help improve driving habits and reduce accidents. This new technology provides us another opportunity to help you save money on your auto insurance premiums, and help raise awareness of your driving behaviors.

Here are the main factors used to evaluate your driving:

Time of day: When you drive can be as important as how you drive.

Speed: Keep your speed in check so you have more time to react.

Acceleration: Smooth acceleration is good for your score.

Braking: Drivers who anticipate situations have fewer hard brakes.

Four reasons you may want to consider Telematics:

Savings - With our current economic conditions, every family likes to be able to save money. Many carriers offer a discount for enrolling and signing up. Often this discount is applied on you policy as long as your remain a customer. This can add up over time, potentially generating considerable savings, depending on your insurance carrier.

Good Habits – With a telematics-based program your driving habits, good or bad, are monitored, and will help you and the family raise awareness of driving behaviors. If you are a parent of a new teenage driver, a program like this may have added appeal to help coach your teenage driver. In general, you can use telematics to have more control over and potentially reduce your auto insurance expenses.

Ease of use – The adoption of mobile phones has helped grow the evolution of telematics-based programs. All you have to do is download an app on your personal cell phone. Each insurance company will have its own manner of enrolling you. We see these programs are simple to join and do not usually require you to do much more than sign up.

Safer Drivers – The collective impact. When more drivers develop better driving habits, this increases the larger community of safe drivers and increasing the safety of our roads, and reduces the potential for auto accidents.

Here is a partial list of carriers that offer telematics:

CSAA Insurance Group – SMARTtrek

Plymouth Rock – Road Rewards

Progressive - Snapshot

Safeco – RightTrack

STATE AUTO – Safety 360

Travelers – IntelliDrive

Remember, price is not everything, good support and service from Dtown Insurance tops any online insurance and 800 number!

Contact us for help with your auto and home insurance!

Blog is originally published at: https://www.dtowninsurance.com/how-to-save-money-on-auto-insurance-ubi

It is republished with the permission from the author.

[centralbucksinsurance]

Are You Buying an Electric Vehicle (EV)?

There are a few things a new electric vehicle (EV) owners needs to consider.

The electrical parts needed to fix electric vehicles (EVs) are expensive, and as a result, most auto insurance companies have to pay more out of pocket to get the vehicle repaired and back on the road. Complicating things further is the fact that there are not many well-trained EV auto mechanics and they are not well versed in how the electric drive trains work. EV car owners should take their EV to a specialty shop for repairs, and these shops have higher labor costs then traditionally trained auto mechanics. Because of this, insurance carriers charge owners of electric vehicles higher premium rates, but not on all the coverages of a typical auto insurance policy.

Collision and comprehensive coverage 

Collision and comprehensive coverage are the two main coverages that protects the policyholder's owner’s vehicle if it is damaged due to an at-fault accident, a collision with a deer, a fallen tree, weather damage, and more. We now see owners of Evs have higher costs/premiums for collision and comprehensive insurance protection. New Electric vehicle owners can raise their deductibles ($1000) to lower their insurance premiums. This will result in larger out-of-pocket costs in the event of a claim. We might even suggest new EV owners setup an emergency fund to help offset the higher deductibles.

Liability to Others

Liability protection, which is what is required by state law, pays for medical costs and repairs for other people and their property if the auto policyholder causes the accident. Auto liability protection has nothing to do with the policyholder's own vehicle; the cost of this coverage is not normally affected by owning an electric vehicle.

Factors that affect EV insurance price

The type of car a driver (Electric vs. traditional gas-powered) has is only one of many factors that affects their auto insurance premiums. Auto insurance carriers also look at a driver's accident history, where you live according to the USPS ZIP code, how long you have been with your current insurance carrier, your education level, and your marital status, to assess the probability of a chargeable auto accident. Each insurance company weighs all these factors a little differently.

As electric vehicles become more common, the cost of insuring these vehicles will come down and the number of trained mechanics comfortable working and repairing the vehicles will increase. Once we get economies of scale, electric vehicles will not be as expensive to insure.

This is why you need to shop your auto insurance every a few years, especially if you are purchasing a new EV.

At Dtown Insurance we can help you review your auto coverages and premiums. Our team is available to help you compare auto insurance quotes from several insurance carriers to see which offers the best deal.

Remember, price is not everything, good support and service from Dtown Insurance tops any online insurance and 800 number!  Contact us for help with your auto and home insurance!

Blog is originally published at: https://www.dtowninsurance.com/are-you-buying-an-electric-vehicle-ev-time-to-shop-your-insurance

It is republished with the permission from the author.

[centralbucksinsurance]

5 Little Known Things That Home Insurance Covers

Home insurance covers most perils to your home and personal property. A covered peril is an event that your insurance will cover. Covered perils — such as a lightning strike, fire, theft, vandalism, wind, or hail damage. However, home insurance offers more coverage than the covered perils. Here are five little-known coverages that home insurance protects you from.

1. Identity Theft

Victims of identity theft must spend a lot of time and money to undo the damages. Some insurance carriers include coverage to help pay for any expenses while recovering your identity. In addition, home insurance can help with legal fees and lost wages so that you can recover quicker!

2. Injuries Caused by Animals

While pets are great to have, animals are ultimately unpredictable, sometimes resulting in injury to people outside your home. Injuries can occur to you, from dog bites to being knocked over by a pet. If this were to happen, home insurance can help cover your liability when dealing with an unexpected injury. 

3. Loss of Use – Food and Hotel Expenses

If your home is damaged and you need to seek shelter in a hotel, home insurance covers the costs of your meals and shelter. Most home insurance policies offer coverage, providing a financial relief during the stressful situation of dealing with a damaged home. 

4. Lawsuits

If a visitor falls and needs medical attention on your property they can sue for thier medical expenses. With home insurance liability coverage will pay for the injured person's medical bills. When accidents do happen, you need to have home insurance to cover you and your family in situations like this. 

5. Falling Objects

Falling objects—including satellites, asteroids, meteors and space debris—are covered under standard homeowners. This would cover the damage that the falling object causes to the the  home or other structures on the property. as well as the personal property or belongings that are also damaged or destroyed as a result.

Contact Dtown Insurance for Your Home Insurance Needs

When purchasing home insurance, check to see what your policy covers and know that home insurance covers more than  rebuilding your home. Dtown Insurance is here to help, whether with a fire, a lawsuit, or even a meteorite! Contact us today.

Blog is originally published at: https://www.dtowninsurance.com/5-little-known-things-that-home-insurance-covers

It is republished with the permission from the author.

[centralbucksinsurance]

8 Factors that Determine Your Life Insurance Premium

Life insurance is an essential investment for you and your family. Numerous factors determine how much you will pay for life insurance premiums. Let’s look at the major factors that determine life insurance premiums in Doylestown, PA.

1. Age

Age is most likely the number one factor in the cost of life insurance premiums. As you age, the cost of insurance will increase. This is because younger applicants are more healthy, less risky for insurance carriers. In addition, the likelihood that you will outlive a current policy or make payments on a new policy is when you are young. As a result, the premiums for life insurance are cheaper if you buy a policy when you are young. Also, as you continue through life, health conditions will arise, thus increasing the cost of a policy.

2. Medical History – Paramedical exam

Your medical history is the second most significant factor impacting the cost of life insurance. If your history shows that you have had a handful of medical complications, your premium will be lower. However, your rates will be higher if you have health issues or a chronic illness. Additionally, most insurance carriers may require a medical examination (with blood and urine samples) to review for health factors that could lead to future medical problems. The dollar value of the life insurance policy also determines if you will need to get a paramed exam, provide specimens, and/or provide an APS (Attending Physician Statement).

3. Family Health History

Due to certain medical conditions traveling through genetics, a look into your family’s health history will most likely be conducted by an insurer. For example, suppose your family has a history of heart disease or cancer. In that case, insurers will consider this a potential aspect of your future, thus raising your life insurance premium costs. 

4. Gender

Your gender can determine your life insurance premiums. For example, since women tend to live longer than men, women typically pay less for their life insurance. However, some states are removing gender biases in state policies.

5. Tobacco & Marijuana use

If you currently smoke, chew, vape tobacco or marijuana your premium will cost more due to the health risks that come with these activities. However, if you quit smoking, then you may be able to apply for a lower rate. Smoking includes the weekend cigar on the golf course. Most insurance companies will lower your rates only after a waiting period. Whether you say you use marijuana recreationally or for medical reasons probably won’t matter in terms of the resulting life insurance rates based on use. For medicinal marijuana users, a life insurance company will want to know about the underlying medical condition that led to the marijuana use. And that medical condition can also affect life insurance options.  Many people say the marijuana use is for pain management and that’s not enough of a response, that’s way too general. Insurance carriers want to know what causing the pain. Is it a mental issue (depression) or physical issue (cancer)? How often is the use?

6. Activities

If you regularly partake in high-risk hobbies, you may not be a good candidate for life insurance.

Motor vehicle racing and sky diving are examples of high-risk activities. Do you have plans to travel outside of the United States in the next year? Have you been convicted of a felony, or on probation? These activities may preclude you from qualifying for life insurance with some carriers. 

7. Occupation

If your job puts you at regular risk, your life insurance will cost more. For example, if you are either potentially in danger every day through your job or if your job might have long-term health effects (such as working in a mine or power plant), and may increase your life insurance premium.

8. Driving Record

Depending on your age and the face value of the insurance coverage insurance carriers will review your driving record and can affect your life insurance premium. If you are a risky driver with numerous tickets, prices for life insurance will be more expensive. If you are a safe driver, you will qualify for a lower life insurance premium.

Contact Dtown Insurance for Your Life Insurance Needs

Dtown Insurance agents have many years of experience in life insurance. Our agents can help guide you through the various Pennsylvania life insurance carriers and policies available to make an informed decision and find the right policy for you and your family. Contact us today to learn how we can help simplify the process of life insurance for everyday families.

Blog is originally published at: https://www.dtowninsurance.com/8-factors-that-affect-your-life-insurance

It is republished with the permission of the author.