September 13, 2023 Roadside Assistance
Roadside assistance is coverage you can add to your car insurance policy to help when you find yourself stranded due to unexpected car trouble — like a dead car battery. These unexpected things can happen when you're at work, out running errands, or even when you’re at home.
August 30, 2023 - Liability, Automobile Insurance
Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. This coverage provides compensation for injuries to others, and for the damage your vehicle does to another person's property if you cause an accident.
If you are found responsible for causing damages as a result of an accident, this coverage may pay up to the limit you select, and it can provide for a legal defense if you're sued.
July 24, 2023 - Roadside Assitance, Automobile Insurance
Roadside assistance is coverage you can add to your car insurance policy to help when you find yourself stranded due to unexpected car trouble — like a dead car battery. These unexpected things can happen when you're at work, out running errands, or even when you’re at home.
June 26, 2023 - Loan/Lease Gap Insurance
Gap insurance, also known as loan/lease insurance, can help protect you if your vehicle is financed or leased. If your vehicle is totaled (deemed a total loss), this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the auto loan or lease.
June 5, 2023 - Car Insurance Information
In most states, it's the law that you carry auto insurance on your vehicle. We'd like to help you better understand some of the terms you'll hear when shopping for insurance. In this post, "Liability Coverage".
Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. This coverage provides compensation for injuries to others, and for the damage your vehicle does to another person's property if you cause an accident.
If you are found responsible for causing damages as a result of an accident, this coverage may pay up to the limit you select, and it can provide for a legal defense if you're sued.
May 10, 2023 - National Insurance Agency "Mission Statement".
"Mission Statements" seem to be the rage. Every company or organization needs to let the world know about their Mission Statement.
While we have always used the slogan, "Your Best Insurance Value", it's certainly not a mission statement. Our Mission Statement is within our exceptional customer service, our ability to cross-shop different insurance companies to help you find the very best value, and our decades of experience that are truly your best ally when it comes to insurance.
If you have yet to experience the National Insurance Agency difference, we welcome your call. We're here with free quotes for your homeowners insurance, property insurance, business insurance, automobile insurance, RV and park model home insurance and much more. Never any obligation, of course.
March 29, 2023 - Drivers in Newtown, PA need auto insurance. It’s the law in Pennsylvania.
National Insurance Agency is here to help with your best value in automobile insurance. We’re an independent agency, representing many of the very best auto insurance companies. We cross-shop these companies to help get the coverage you need, and the value you expect. We invite your call or email for an auto insurance quote, never any obligation, of course.
So if you live in Newtown, Levittown, Langhorne, Feasterville…anywhere in Pennsylvania, you owe it to yourself to get in touch and see what National Insurance Agency is all about.
March 14, 2023 - Tips for Buying a Boat, Part 2.
Part two of some helpful tips to help you decide on your new boat.
Capacity
How many people are you hoping to go on your boating excursions with? The capacity on personal fishing boats is generally smaller than a pontoon boat, which are made to hold anywhere between 8-15 adults comfortably.
Equipment
What type of equipment will you want onboard? Here's some suggestions:
• Trolling Motor
• Lights
• Depth finder
• Live well
• GPS
• Canopy/bimini
• Stereo
• Tables
• Emergency survival kit
• Fire extinguisher
Towing
Will your car be able to tow the new boat? According to Auto Bytel, the average 21-foot boat trailer weighs between 500 and 1,000 pounds, while most boats in this size range hover in the 4,000-5,000 pound range. This means that you'll want an SUV or truck that is rated to tow between 4,500-6,000 pounds in total.
Storage Limitations
Will your new boat fit in your garage during the off season? Alongside your garage? In a separate storage space?
And a few other components to consider…
• Horsepower
• Engine Type
• Hull (Deep V, Modified V, Pontoon, etc.)
• Storage Onboard
No matter what you decide, get out there, matey, and enjoy the open seas!
February 28, 2023 - Tips for Buying a Boat, Part 1.
Spring is just around the corner. It's time to think about the wonderful weather and outside activities. For some, this may include considering a new boat purchase. Here are a few questions that can hlep get you on the right track in selecting the right boat.
Use
What are you hoping to use your boat for? All boat styles have a different design tailored to the use. Speed boats may be better for tubing and water skiing, but wouldn't hold as many people or be as fish-accessible as a pontoon or fishing boat. Maybe you're in the market for a sailboat, or leaning towards a houseboat. There are so many different varieties of boats, so make an informed decision on which one is right for you (information provided by Discover Boating).
Cost
What's your budget? This may help decide whether to purchase a pre-owned boat. According to Discover Boating, new boats depreciate anywhere between 25%-33% immediately after leaving the dealer's lot. So if you buy a pre-owned boat, someone else has already paid that depreciation cost - more boat for fewer dollars! However, buying a new boat will offer a warranty, the newest technology, and that nice shiny look as you move across the water - the choice is up to you!
February 14, 2023 - Be Ready for Winter, Part 2
Yep, it's February, but we can still have freezing low temperatures and dangerous driving.
It’s best to avoid driving during a snow or ice storm, but sometimes driving is necessary. Make sure you have a full tank of gas, even if you do not anticipate that you may have to be out on the road during stormy conditions. Before severe winter weather, check your lights, heater, hazard signals and windshield wipers to make sure all are working properly. Above all, if you have to drive in winter weather, drive slowly and be mindful of patches of snow, ice and potentially black ice that may be on the road. Always stay aware of weather conditions by checking local news and weather apps, and signing up for weather alerts.
It’s also important to make sure your car is stocked with the appropriate tools and supplies in the event of an emergency. Some important automotive accessories to have on hand include:
• Battery-powered radio and extra batteries.
• Booster cables with fully charged battery or jumper cables.
• Road flares, brightly colored flag or help signs.
• Cat litter or sand for tire traction.
• Road salt to melt ice.
• Emergency tire repair kit.
• Cell phone car charger and external power source.
• Local street maps in case you don’t have access to GPS.
• Windshield brush and scraper.
• Shovel
In addition to auto-related items, pack the following items into a safety kit in your car for when you may be driving during stormy conditions, or in the event your car breaks down in a snowstorm:
• First-aid kit with medications and prescriptions.
• Flashlight with extra batteries.
• Hat, coat, gloves and a blanket.
• Lighter and waterproof matches.
• Pocket knife and tool kit.
• Water and non-perishable food items.
Finally, make sure to let others know you may be traveling, your estimated time of arrival and any routes you plan to take in the event of an emergency.
February 1, 2023 - Be Ready for Winter Part 1
There's no doubt that winter is upon us. Here are a few tips that can help you get through winter.
• Snow and ice removal. Make sure you have a snow shovel and ice melt to help keep wallkways clear.
• Fuel. Ensure that you have enough heating fuel for your home's furnace and your generator.
• Wood. If you have a fireplace, make sure you have enough wood. Inthe event of a power outage, your fireplace may be needed for heat.
• Warm clothes, food and medications. Have warm clothing and blankets on hand, stock non-perishible foods and necessary medications.
January 20, 2023 - Tips to Help Keep Your Pipes From Freezing - Part II
If frozen pipes have ever burst in your home, you already know how frustrating — and costly — the water damage can be.You can take preventive measures and get smart about how to help prevent your pipes from freezing. Here are some tips.
• Open the doors on cabinets where plumbing is located to allow warmer air to circulate around the pipes.
• For pipes that are at risk of freezing, let water drip from faucets. This applies to both hot and cold water.
• Keep the heat in your home set to at leat 55 degrees.
January 5, 2023 - Tips to Help Keep Your Pipes From Freezing - Part I
1. Close inside vavles supplying water to outdoor faucets.
2. Open outdoor faucets to allow residual water to drain. Keep them open during cold winter months while the water supply is off.
3. Keep garage doors closed to maintain a warmer interior tempertaure for exposed water pipes.
December 16, 2022 - Why an Independent Agency?
As an independent agency, we represent many different insurance companies. We can cross-shop the firms we represent to ensure that you get the very best value for your insurance dollar. It's important to us that you have the protection you need at a cost you can afford.
Plus, we're a local small business with a staff dedicated to your satisfaction. Everyone at National Insurance Agency works diligently every day to ensure that you are pleased with everything we do.
December 5, 2022 - What is Not Covered by An Umbrella Policy?
Generally, damage to your own personal property is not covered under a personal umbrella policy.
Other examples of coverage not included in a typical umbrella policy are:
• Business losses. Damage to your business property or losses related to the running of your business generally would not be covered by a personal umbrella policy. This exclusion applies even if your business is operated out of your home. Consider purchasing business insurance if you need this type of coverage.
• Intentional acts. A personal umbrella policy isn’t designed to protect you from liability connected with your own intentionally harmful behavior; for example, if you intentionally harm a visitor to your home.
Umbrella policies are typically very affordable and can be a great way to help protect yourself against the potentially devastating costs of major claims that exceed the limits of your primary home and auto policies.
November 22, 2022 - Is an Umbrella Policy Right For You? Part 1.
Whether it’s a serious car accident involving extensive medical bills or an incident on your property, you may quickly find yourself responsible for damages that exceed the limits of your auto, homeowners or boat policies. That’s when having an umbrella insurance policy can provide coverage that goes beyond the limits of your primary coverage.
Travelers umbrella insurance can help provide coverage for:
• $1 million to $10 million of liability, which can help protect assets such as your home, car and boat.
• Claims like libel, slander, defamation of character and invasion of privacy.
• Legal defense costs like attorney fees and other charges associated with lawsuits.
• Liabilities that happen outside the United States.
A Travelers umbrella insurance policy is a valuable addition to any auto, homeowners or other policy for extended personal liability protection.
In today’s world, anyone can face a lawsuit, even if you’ve done nothing wrong. That’s why it’s more important than ever to consider adding an umbrella policy as an extra layer of protection for your assets – and your peace of mind.
November 7, 2022 - 5 Tips for Buying a New Car - Part 3
5. Negotiate the Best Price
A good negotiator usually can get a better deal than someone who simply agrees to pay what the dealer is asking. Dealers may price their cars higher than the amount they actually expect to receive in preparation for negotiations.
If you take time to research prices online before you visit a dealership, you'll have a better idea of what a competitively priced car should cost. Often, the best time to buy is during end-of-the-year sales, when dealers need to make room for newer models, notes the Las Vegas Review-Journal.3
Negotiate the actual price of the car rather than the monthly payment. Focusing on payments makes it easy to lose sight of the full amount you'll be paying over time, says Autotrader.
If you can't get the price you want, don't be afraid to walk away. Remember there's always another car.