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Pennsylvania residents are legally required to have . So, before you change or buy it, here’s what you should consider.
## #1: Budget, Budget, Budget
More than anything else, a person’s budget tends to be their #1 priority.  isn’t a fun expense, but a necessary one.
Setting your  budget starts with your car. Your  payment should never exceed 15% of your gross income. The best is to stay comfortably under 10%. If you love cars and want an expensive ride, keep in mind that your car insurance will increase along with it.
The more coverage you have, the better off you’ll be in case of an accident. But there is such a thing as “too much” coverage, or, more accurately, paying too much for the right coverage. Once you have an idea of the range of coverage you need for your vehicle, you will want to compare your provider options in your area to see which comes out on top — more than likely, there’s a car insurance plan out there with nearly identical coverage to other plans, but at a better price.
## #2: The Coverage You Need
Deciding the amount of coverage you need, of course, largely depends on your vehicle. But, beyond this, there are other types of coverage you may want or need. Pennsylvania requires residents to carry liability insurance, for instance, to cover legal fees if you cause an accident.
You can also purchase uninsured motorist coverage. This is in case you get into an accident with an uninsured driver who can’t pay for their portion of the accident.
There are plenty of other benefits you can add to your car insurance beyond legal liability as well. Collision insurance will pay for the repairs your car needs from an accident you cause, and comprehensive insurance will cover damages that don’t involve another motorist.
So, when you’re , consider the situations you may find yourself in, and what coverage might be the most beneficial.
## #3: You!
Beyond the car you drive, there are several things about yourself that you should keep in mind when deciding on a . For instance, your driving record could play a big role in the cost of your coverage as well as the coverage you need.
Your credit rating is also important. If you’ve missed a car insurance payment in the past, or just have a notably low credit score, you may have to choose from a more limited list of insurers.
On the other hand, if you have a great driving record or a great credit score, you should also consider car insurance policies that offer you discounts. This will lower your costs while still providing the same coverage.
## The Future is With Us
Remco Insurance Services takes everything you need to consider before , and finds the best plan that works for you. To learn more, text us at (267) 692-8296, or call (215) 357-7878.
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If you are seriously considering an , there’s a good chance you should purchase it. Just like any other policy, it exists to offer peace of mind and reduce risk when it comes to your assets and personal property. It’s a simple fact that unfortunate events and accidents happen all the time. It’s also true that personal lawsuits are filed frequently when injury or damage is done as a result of these events. If this is of concern to you, it is time to review  policies.
## What is ?
As a reminder,  acts as liability insurance and protects other people and their property if damage is done by you or any member of your household. For example, suppose multiple people injured themselves at a party at your residence and sought compensation for medical bills, lost wages, and psychological damage. In that case, you could be looking at a ruling that far exceeds the limits of your homeowners policy. In this situation, you would have to pay the injured individuals from your savings or retirement fund.
It only takes one second for someone to trip down a flight of stairs, fall into a swimming pool, be attacked by a dog, or get into a collision. In this instant, your hard-earned assets become compromised because those assets can be seized if you can’t pay damages beyond your regular insurance limits.
You must ask yourself, *am I at risk of being sued?* The short answer, of course, is yes. That’s because anyone can be sued, and accidents (even big and expensive ones) happen all the time and to anyone. But there are certain factors to examine to see if you are at a higher risk of being sued. If you rent your home or property to others, own a large amount of land, or host large social gatherings, you should purchase umbrella insurance. If you are a public figure or have a higher net worth, it is imperative. If you own a trampoline, pool, hot tub, or large animals, you are a candidate. Even if you have teenage drivers in your household, you are at a greater risk of being sued and should consider it.
## Do You Need Umbrella Insurance?
At the end of the day,  offers a massive amount of coverage for a mere couple hundred dollars a year. As an addition to your existing home and auto insurance, you won’t even have to pay an additional deductible for it to pay out, so long as home or auto insurance would apply. For the protection and peace of mind, umbrella insurance is a fantastic value and a great benefit to many.
Call us today to learn more about why umbrella insurance might be right for you!
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 is a type of liability insurance to protect policyholders from expensive claims. This kind of policy is an add-on to existing insurance plans, which may not offer high enough coverage for your needs. Let’s take a look at some of the pros and cons of this kind of policy.
## Advantages of 
The most obvious advantage of  is that it offers coverage for claims which would exceed that of your existing home or auto policy. It also covers situations and circumstances not typically covered by most insurance policies, including psychological damages, libel and slander, traveling overseas, legal defense costs, and even false arrest or imprisonment. This policy keeps your home, vehicles (including motorcycles, boats, and RVs), and other personal assets from being seized in a lawsuit.
It is also relatively inexpensive to purchase . Most applicants can secure a one million dollar policy for between $150 and $300 annually. Each additional million dollars worth of coverage can be added for very little more.
Umbrella insurance doesn’t just cover the policyholder – members of your family or household are also protected. This can be good news to households with new drivers or where large social events are hosted.
## Cons of Umbrella Insurance
But there are also many reasons why  may not be right for you. For example, you may not meet the minimum requirements set by the insurer to apply for this kind of policy. You will have to already have a rather large coverage policy in place through the insurer before umbrella coverage is even an option.
You will also find that, as a liability policy, umbrella insurance only covers injuries to other persons or damage to their property. It can not be used to cover any injuries or damages done to the insured, members of their household, or their personal property. And while some additional situations are covered by umbrella insurance, there are still plenty of limits to this coverage. Intentional or criminal damages, damages sustained while performing business, and damages caused by specific recreational vehicles or dog breeds will be excluded from coverage. Be sure to go over these exclusions carefully with your agent.
Finally, umbrella insurance is just simply not useful for everyone to purchase. The truth is that many individuals will likely not need this kind of insurance unless they have a particularly high net worth or are at a specifically high risk of being sued.
For more information about who should carry , contact Remco Insurance Services today.