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Why All Homeowners Need to Have Home Insurance

Every homeowner needs home insurance. It’s crucial for safeguarding yourself and your family in case of unforeseen circumstances. Homeowners face a series of risks, and home insurance alleviates these risks. If you don’t already have a home insurance policy or if you’re considering altering your current policy, contact us at Valor Insurance in Pennsylvania.

Damage Risks

As a homeowner, you’re exposed to numerous risks. Many damaging incidents can occur in your home, which might cost you dearly. In case a disaster occurs and damage is inflicted on your house, it’s vital to have a home insurance policy. This policy can cover the cost of repairing damages or rebuilding your home if required.

Belongings Risk

However, it’s not only damage to your house that you should worry about. Your belongings are also at risk. Various incidents can damage or destroy your belongings. Your home insurance also covers the cost of repairing or replacing these belongings after a covered incident.

Liability Risk

As a homeowner, you also face a liability risk. Home insurance is important as it covers this liability as well. When someone gets injured on your property, you’re liable for all related expenses, including lost wages, legal bills, and medical expenses. These costs can be unusually high, hence the need for coverage.

Get Home Insurance

If you need home insurance, feel free to contact us. Valor Insurance in Pennsylvania is always ready to help.

I just started my own business – do I need life insurance?

Congratulations! You’ve just started your own business and are about to embark on the adventure of business ownership.

As a business owner, you know you will need commercial insurance, but you find yourself wondering: Do I need life insurance, too? Our Valor Insurance in Pennsylvania advisors have the answers and are here to help.

Do business owners need life insurance?

It is an excellent idea for business owners to consider life insurance as part of their insurance plan. Company-owned life insurance can provide crucial protection for a business in the case of the unexpected death of an owner, partner, or employee, which has the potential to disrupt and cause financial issues for the business. You have worked hard on and planned carefully for your business and want to set it up for the best possible success.

If you have started your business with a partner, life insurance can provide a bridge while the surviving partner determines whether to continue the business. In that scenario, the death benefit could be used to replace lost revenue and pay the costs to keep the business open. Without it, the surviving partner may face difficult decisions, such as borrowing money or selling some of the company’s assets to get through the rough patch.

Similarly, life insurance can provide for family members who rely on the income from the business during this period of loss. An unexpected death is a sudden transition, made even harsher if financial hardship enters the picture. Life insurance can protect your family’s quality of life as they adjust and move forward.

Contact our experts at Valor Insurance for help finding the right policy for you and your business in Colorado, Tennessee, Pennsylvania, or Georgia.

Quality Over Cost in Batteries

One of the basic auto needs you have periodically is getting the battery replaced. Many car owners may look to get the cheapest battery available, but that ends up doing more harm than good over time. Below are a few reasons why you need to choose quality over cost in batteries. 

Excessive Corrosion

One of the biggest differences between good batteries and cheap batteries is the amount of corrosion that develops on the connectors. Cheap batteries will start having a slow leak that causes the connectors to corrode frequently. This can keep the battery from charging and leave you stranded unexpectedly. This corrosion can start shortly after getting the battery and will last right on until you get the battery replaced. 


Another test of cheap versus quality is the lifespan of a battery. When you purchase a cheap battery for your vehicle, you’ll get exactly what you pay for in terms of quality and lifespan. It will last for fewer miles and years. If you’re a commuter and put more than 15,000 miles on your vehicle each year, you’ll be lucky to get two years out of a cheap battery. Those with a higher-quality battery will cost more, but they’ll last for several more years, and you will not have issues with them until it’s time to change them. 

Energy Level

Good, quality batteries will have a stronger energy level, and you’ll feel the difference in your vehicle’s power. Cheap batteries will have slow power-ups and can actually put a strain on your alternator. When batteries aren’t working to their full capacity for a while, this can cause the alternator to wear down and need to be replaced, which is another major expense. 

If you’re in the Marietta, GA area and want a personal quote, contact Valor Insurance today for more information. 

Commercial Insurance’s Support for Festivals and Markets

Commercial insurance plays a fundamental role in the successful, safe, and sustainable operation of festivals and markets across Tennessee. The benefits span from liability protection for organizers to coverage for property damage and unexpected incidents.

Extending Liability Protection to Vendors and Participants

Commercial insurance offers extensive liability protection to vendors, exhibitors, performers, and participants involved in these events. Vendor liability insurance, for instance, shields against risks like product liability, property damage, and accidents caused by vendors’ activities. It serves as a financial safety net, providing small businesses and artisans peace of mind. Moreover, performers and participants can avail themselves of event liability insurance covering any accidents, injuries, or property damage during their involvement.

Advancing Community Safety and Well-being

Commercial insurance also fosters community safety and welfare by implementing standards and regulations during festivals and markets. Provisions may include security measures, emergency medical services, and adherence to local ordinances and permits—further enhancing the safety and enjoyment of attendees and the local community. In essence, by providing a buffer against unanticipated incidents and emergencies, commercial insurance enhances the overall event experience.

Promoting Economic Growth and Tourism

Festivals and markets substantially contribute to economic growth, tourism, and cultural exchange. Commercial insurance bolsters the success of these events by offering financial protection and risk management solutions. These ensure continued participation from vendors, sponsors, and attendees. Thus, commercial insurance indirectly strengthens local economies, fostering entrepreneurship, job creation, and community development.

Valor Insurance: Here to Help You

At Valor Insurance, we can explain all aspects of commercial insurance. We proudly serve the Tennessee area. Contact us today for more information.

How to Protect Your Home Against Different Types of Wind Damage

Wind damage can wreak havoc on your home, causing structural damage, roof leaks, and other costly repairs. At Valor Insurance, we’re committed to helping homeowners throughout the state of Pennsylvania safeguard their homes against wind-related risks. Here are some tips to protect your home:

Reinforce Your Roof

Your roof is the first line of defense against wind damage. Ensure your roof is in good condition by conducting regular inspections and promptly addressing any loose or damaged shingles. Consider reinforcing your roof with hurricane straps or clips to provide additional support during high winds.

Trim Trees and Branches

Overhanging tree limbs can pose a significant risk to your home during strong winds. Trim trees and branches near your home to reduce the risk of branches breaking off and causing damage to your roof or windows. Regular tree maintenance can help mitigate the risk of wind-related accidents.

Secure Outdoor Items

Secure outdoor furniture, grills, and other loose items that could become projectiles during a windstorm. Anchor or store these items indoors during periods of high winds to prevent them from causing damage to your home or neighboring properties.

Install Impact-Resistant Windows and Doors

Consider upgrading to impact-resistant windows and doors to protect your home against wind-driven debris. These specialized windows and doors are designed to withstand high winds and flying debris, reducing the risk of damage to your home’s interior and occupants.

At Valor Insurance, we’re here to help you protect what matters most. Our experienced agents can assist you in assessing your home insurance needs in Pennsylvania, Tennessee, and Colorado, reviewing coverage options, and securing a policy that provides comprehensive protection against wind-related risks. Call now to obtain an estimate for a new home insurance policy.

Here’s Why Newly Weds Should Get Life Insurance

Have you recently been married? Congrats! Marriage is a crucial milestone for many. Married couples will support each other throughout life and having a partner who can help you shoulder various burdens can go a long way. It’s important to protect one another, and as such, life insurance is vital. If you’re looking for an insurance agency serving Easton, PA, contact Valor Insurance to discuss life insurance options.

The Basics of Life Insurance For Married Couples

Life insurance may provide payments if a spouse dies. What specifically is covered can vary from plan to plan, so it’s important to work with an insurance agent. Insurance policies can be hard to comprehend at times, but insurance agents can use their professional experience to break things down for you.

Unfortunately, death is a fact of life. While many people will live well into their seventies, some folks die young, killed in car accidents, or succumb to serious diseases. It’s tempting to avoid thinking about that, but when you get married, you’ll want to make sure that your love is protected in the event of a tragedy.

When someone dies, households often lose a source of income. Burial costs can get quite expensive as well. If the couple has children, the surviving spouse may have to shoulder the burden of childcare all on their own. Unfortunately, the surviving family members could quickly find themselves in dire financial straits.

Schedule A Consultation Today

Life insurance may provide your spouse and other family members with considerable financial security. This can reduce stress for the family, which can make it easier to grieve and plan the next steps. Speaking of planning, if you’re planning to take out life insurance and are in need of an insurance company that serves Easton, PA and other areas nearby, contact Valor Insurance.

The Risks of Not Carrying Enough Auto Insurance

Some people find it tempting to carry the minimum auto insurance in Easton, PA, especially if they are on a tight budget or have an old vehicle. While you may save money in the short term, drivers with minimal auto insurance could be on the hook for exorbitant repair costs that they may not be able to afford. Valor Insurance makes it a point to ensure their customers have sufficient coverage to meet their needs.

Minimum Legal Amounts in Pennsylvania

Pennsylvania drivers must have at least  the following liability coverage to operate a motor vehicle legally:

  • $15,000 for injury or death of one person in an accident
  • $30,000 for injury or death of more than one person
  • $5,000 for damage to another person’s property

Unless an accident is minor, those coverage amounts won’t be sufficient to cover the costs of an accident. If you caused the accident, you remain responsible for covering another driver’s expenses, even if your policy doesn’t fully cover it.

The Other Driver Could Sue You for Damages

The most considerable risk occurs if you are in a severe accident involving considerable damage to another driver’s vehicle, as well as yours. If someone is badly injured, the stakes get higher. If you have a minimal policy and are at fault in the crash, the victim could file a claim in court requiring you to pay for the damages. This step could result in wage garnishment if you are found guilty.

What Coverage Should I Carry?

In addition to getting higher liability coverage limits, you should consider personal injury protection (PIP) to cover injury expenses and lost wages if you are involved in an accident. 

If you’re unsure what coverage you need, contact the agents at Valor Insurance in Easton, PA for advice on selecting auto policy provisions.

What are the risks of operating a business without commercial insurance?

As a business owner, you probably consider commercial insurance an unnecessary expense. However, without it, you put yourself at risk of serious financial loss. You never know when something can go wrong, and without insurance, you are absolutely unprotected. Here is a list of other risks you may face when deciding not to purchase commercial insurance: 

What Are The Risks Of Not Having Business Insurance? 

Have you decided to skip commercial insurance and operate without it? Then, be prepared for the following risks: 

  • Losing your property. Let’s say your business was damaged by an earthquake, flood, or anything else. If you have proper commercial insurance, it will cover your financial losses. However, if you do not, you will have to pay for everything yourself. 
  • Leaving your employees without protection. Your employees play a significant role – they help keep your business afloat. This is why it is so important to protect them. However, without proper business insurance, you will not be able to do that. For example, if your employee gets injured at work, you will be responsible for their medical costs. 
  • Interruption in business. There are so many things that can interrupt your business operations. Business interruptions can set your business back and make you lose thousands of dollars. Without proper commercial insurance, you will have to pay for all the damages and repairs yourself. You also risk losing both current and potential clients.

Looking For Insurance in Easton, PA?

If you run a business, you should have commercial insurance. It helps you avoid many risks and unnecessary expenses and keep your business secure. Do you run a business in Easton, PA or any other nearby town in Pennsylvania? Valor Insurance is here for you and ready to help. At Valor Insurance, we specialize in different types of insurance, including commercial insurance as well. Visit our office or give us a call today. 

Three Different Ways to Ensure Your Home is Insured to Its Total Value

You are required to have homeowner’s insurance in most cases on your Easton, PA home. Are you sure that your house is insured up to its total value? A financial disaster is looming on the horizon for you if your home isn’t properly insured. Imagine the costs that could accrue if you have to pay for massive flood damage out of pocket. 

Here are three tips for home insurance:

1. Review it Constantly

Too many Easton, PA homeowners make the mistake of getting a policy and never updating it for the entire period they own their home. You should review your homeowner’s policy at least bi-annually if you want to keep it up to date. Things change over time when it comes to your home’s value and what’s included in your policy. 

2. Stay On Top of Remodels

You are bound to update your home in some way as time goes by. You might remodel your kitchen and bathroom. You could add a brand-new roof or build an unattached garage on your property. No matter what you do, you should inform your insurer immediately to include it in your policy. Make sure you have it included in case anything happens while the work is being done. 

3. Make Sure You Have Liability Coverage

You need to have proper liability coverage for your home and your property. Things can happen while your kids have friends playing in the yard or a party in the backyard. Proper liability coverage protects you and your family from lawsuits in the event of damages or an injury that occurs on your property. 

Valor Insurance Is Here To Help

At Valor Insurance, we help each of our clients get the proper coverage for their Easton, PA home and their property. Contact us today if you have any questions about your homeowner’s policy. We’ll make sure you’re fully protected. 

Can I buy life insurance as a gift for my young relative?

Life insurance is one of the best gifts you can give a loved one. Unlike most other gifts, life insurance is something you don’t think about until you need it. But when you do need it, life insurance provides benefits at a time when those benefits are needed most. At Valor Insurance, we can help you explore life insurance options for all your family members in Easton, PA.

The most common reason people purchase life insurance is for the death benefits. Depending on the kind of insurance you buy, there may also be a cash value component that the policyholder can take advantage of.

If you purchase life insurance for someone, there are several advantages: 

  1. There are many reasons people may put off getting life insurance. Sometimes they feel they cannot afford it at the time, or they might feel unsure about which policy is best. Giving a policy as a gift makes sure they have that financial security anyway.
  2. Younger policyholders start out with smaller premiums. You can lock in a much lower price if you gift a loved one a life insurance policy at a very young age.
  3. As people get older, they may discover or develop health problems that make them hard to insure. Sometimes a medical exam is required before a policy is issued. If someone already has a policy, they no longer need to worry about qualifying for a policy.
  4. Having a sense of security as you go through life is important. Your loved one will know that this protection came from you.

Reach Out To Us

If you are in Easton, PA and want to learn how to protect your family members, please call Valor Insurance today so we can explain all your options.