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Will Auto Insurance Cover Self-Driving Cars?

Self-driving vehicles are going to become a primary mode of transport in the future. Some prediction experts believe that self-driving cars will be available on the market by 2030, with autonomous technology operating on the road. Alongside this massive shift, there will be a lot of changes for drivers and the automobile industry. Many self-driving auto owners will be wondering whether these vehicles need auto insurance. 

At Valor Insurance, we’ll be discussing this type of auto insurance for the people of Easton, PA. 

How Self-Driving Affects the Auto Industry

Just like any other form of auto, self-driving cars will need financial coverage in the event of an accident. The ideal auto insurance package should cover a variety of situations, including theft, vandalism, or on-road collision. Regardless of what kind of event it is, a decent plan should pay for damages, medical costs, and income losses. 

Are self-driving cars particularly dangerous? Some people seem to think that a computerized vehicle will pose more of a hazard on the road. You may be at more risk if your vehicle’s self-driving sensors are impaired by weather conditions or other physical elements. As a self-driving car owner, you should put certain safety measures in place. Aside from safety, it helps to have an auto insurance plan that covers self-driving cars as well as regular ones.

Self-Driving Auto Insurance in Easton, PA

Interested in finding an insurance plan that covers self-driving auto mechanics? Contact Valor Insurance for more information. Our team would be happy to get you in touch with an agent with experience. Our auto insurance covers a number of policies, from liability claims to repair maintenance. 

Tips to prepare your business for a storm

As a business owner, it’s important to take the necessary steps to prepare for an incoming storm. Here are some tips from us at Valor Insurance to help you get your Easton, PA area business ready.

Tips to prepare your business for a storm

1. Create a plan of action

Before a storm hits, create a plan of action that outlines what measures you’ll take before, during, and after the storm. This should include tasks such as moving items away from windows and doors, stocking up on supplies, and having an evacuation plan if needed. 

2. Back up your data

Make sure all important data is backed up in case of any damage or power outages. Data can be backed up onto portable hard drives or cloud storage services such as Google Drive or Dropbox. 

3. Protect your electronics

Unplug any sensitive electronics that power surges may damage during the storm. If possible, keep them away from windows and other areas where water could enter in order to protect them from damage. 

4. Prepare for flooding

Clear debris away from your building’s foundation and seal any cracks in the walls or flooring that could let in water during a flood. You should also have sandbags ready to help prevent flooding into your building if needed. 

5. Have emergency kits on hand

Keep emergency kits stocked with items such as flashlights, batteries, fresh water, non-perishable food items, first aid supplies, and anything else you might need in case of an emergency situation due to the storm. 

We Are Here To Help!

By following these tips, you can ensure that your business is prepared for an incoming storm and will stay safe throughout it! For more tips, call us at Valor Insurance today. We proudly serve the Easton, PA area.

Top 3 Fire Prevention Tips for Homeowners

There are many layers to properly protecting your home. Insurance, security, and good safety habits all help to keep your home and family safe. Here are the top three fire prevention tips from the friendly insurance professionals at Valor Insurance serving Easton, PA and the surrounding areas. 

Top 3 Fire Prevention Tips for Homeowners 

Install Smoke Alarms 

If you do not already have smoke alarms installed in your home, do not wait another day to do this important fire prevention step. Smoke alarms are the best way to alert you and your family to a potential fire. Smoke alarms provide the best protection because they can alert your family before a fire has gotten out of control. Many communities will help families by installing free smoke detectors. Check with your local fire department to see if you can qualify for this service. 

Keep Alarms In Good Working Order

It is not enough to simply install fire or smoke detectors. You also need to test your alarms once a month and keep the batteries fresh. If alarms are not working properly, they will not alert you to a potential fire. 

De-Clutter

This is might come as a surprising fire prevention tip, but keeping your home free from clutter can actually help to prevent the spread of fire. If a fire starts in your home, it needs and seeks out additional fuel. The more clutter that is packed into your home, the more fuel there is for a fire. Keep the clutter to a minimum to keep fire risks low. 

Give Us A Call

If you would like to learn more about home insurance or any of our other insurance services, contact us at Valor Insurance serving Easton, PA and the surrounding areas. We will be happy to answer your questions today and help you find the right home protection you need. 

Why Life Insurance is Still Necessary for Young People

When you think of life insurance, you’ll likely think of it as something that you should worry about when you’re older or retired.  However, if you’re a young person, it’s still important to consider life insurance.  Life insurance is a plan that could benefit anyone, no matter what age you are.  Our advisors at Valor Insurance, serving the greater Easton, PA community, could help you search for a plan that’ll meet your needs.

Life Insurance is Vital if You Have Dependents

Even if you’re still in your 20s or 30s, obtaining life insurance will financially protect your dependents such as children or other people who depend on you financially.  You never know what could unexpectedly happen to you in the future.  By purchasing life insurance, you’re preparing your loved ones financially in the event you lose your life due to an accident or another unexpected occurrence.

Lock in Lower Premiums

Another reason many young people must obtain life insurance is that they could lock in an inexpensive premium.  The younger you are, the most likely you’ll pay a lower premium than an older person with health issues.  According to the Life Insurance Market and Research Association (LIMRA), most Millennials (between the ages of 24 and 41 years old) find life insurance policies unaffordable.  So if you’re a healthy young adult, you could get a term life insurance policy at a cheap rate.

Cash Value Earnings Could Pay off Debt

What if you’re a college graduate with some college debt?  Some life insurance plans, such as whole life policies, have cash value earnings that could help you pay off those debts.  A recent study shows that nearly 72% of U.S. millennials have some form of mortgage debt, with the average millennial owing $117,000.

Contact Our Office Today

Life insurance plans are beneficial for anyone at any age.  If you’re a young person without one, now’s not the time to delay getting one.  Contact our advisors at Valor Insurance in Easton, PA, and we can help find a life insurance plan that fits your needs.     

What commercial insurance covers

Commercial insurance is a type of insurance that covers businesses from certain types of liability and financial loss. There are many different types of commercial insurance policies and types of businesses that can be insured. In general, commercial insurance is meant to protect a business and its employees from liability risks and financial losses that are not covered by standard personal lines policies. Valor Insurance in Easton, PA is here to assist with this vital coverage.

What commercial insurance covers

Commercial insurance covers many different risk areas, including those related to damage to property, employee injuries or workplace safety, product liability and product recall claims, natural disasters such as fires or earthquakes, environmental risks like pollution or toxic spills, legal liabilities for professional services such as malpractice or errors made by an accountant or lawyer, cyberattacks on computer networks with sensitive data stored in the cloud, government prosecution for noncompliance with employment laws like minimum wage requirements, and even lawsuits from customers who purchase products from your business but are dissatisfied with their experience.

In order to protect your business from these types of risks and losses, you will need to purchase different types of commercial insurance policies. The first type of policy you should consider purchasing is a general liability or commercial liability coverage. This covers several different areas of potential liability, including product-related claims for damage done during shipping or any injuries caused by the product once it has been sold and used by a customer.

Another part of this policy may cover lawsuits filed against your business if a customer purchases products or services from your business but later becomes unhappy with their experience or complains about poor workmanship on materials provided by your company.

Give Us A Call

For more information on commercial insurance, call Valor Insurance today. We proudly serve the Easton, PA area. 

Three things not to do when you are on the market for home insurance

It’s important to carefully consider your options and avoid costly mistakes when you purchase home insurance in Easton, PA. At Valor Insurance, we’re here to help you explore your options and choose the best home insurance policy for your situation.

The following are three things not to do when you are on the market for home insurance:

Purchasing the first home insurance policy you come across

It’s imperative that you explore the available options if you want to get the best policy available to you. Compare policy options and quotes between several providers in your area. 

Shopping around allows you to choose a home insurance policy that fits your budget while also offering you coverage that you can depend on if you eventually have to file a claim. 

Assuming that your home insurance policy will cover you for flood damage

First-time homebuyers who are purchasing a property for first time might not realize that standard home insurance doesn’t include flood damage coverage. Flood insurance has to be purchased separately if you want to be covered for flood damage to your home. 

Failing to purchase adequate coverage for your home

If you purchase inadequate coverage, your finances could be at risk.

The value of your property is an important factor when determining how much dwelling and personal property coverage to carry. Your net worth is an important consideration when you’re deciding how much liability coverage to purchase. Make sure you carefully consider these factors when deciding how much coverage to buy. 

Contact Us Today

If you have questions about home insurance in the greater Easton, PA community, we’re here to answer them at Valor Insurance. We’ll be happy to provide you with the information you’re looking for about our policy options. Get in touch with us when you’re ready for a quote on a home insurance policy. 

How Whole Life Insurance Protects Your Family

If you are looking for whole life insurance in the greater Easton, PA community, Valor Insurance is ready to provide answers to all your questions.

What is Whole Life Insurance?

Whole Life insurance is both a permanent life insurance policy and an investment account. Like a guaranteed universal life insurance policy, this will provide an inheritance or help your beneficiaries cover costs after your death.

How Does Whole Life Add to Your Investments?

In a whole life insurance policy, a portion of your premiums goes towards the cash value of the policy. Over time, that cash value grows and can payout dividends. Dividends can apply towards:

  • Paying off premiums.
  • Acquiring paid-up insurance additions. These add to the cash value and eventual death benefit of your policy.
  • Pocketing bonus money.

The cash value of your whole life insurance is tax-deferred, like other retirement accounts. Your contributions to it, however, are not tax deductible.

How Can You Access Investment Gains on a Whole Life Policy?

Cash value is not part of the death benefit enjoyed by your beneficiaries. Rather, you can use it in a few ways.

A policy loan, cash dividends, withdrawal, policy surrender, and selling your policy all give you access to the cash value. Each of these methods comes with different risks and benefits. The bottom line is that this type of insurance enhances your family’s investments and adds to the pool of accessible cash in the event of an emergency.

Who Should Consider Whole Life Insurance

Not everyone is well-suited to whole life insurance. It’s not a good option for those who are older or those who have a weak investment portfolio. Whole Life insurance is a long-term investment option that begins to pay out after 15-20 years. The best candidate is younger, earning good pay, with a diverse investment portfolio, and wants to pass on a strong inheritance.

Contact Us Today

If you are looking for coverage in the greater Easton, PA community, call Valor Insurance today and our knowledgeable staff will guide you through everything you need to make the right choices for your family.

Documents you should always carry in your vehicle

You should never take your right to drive for granted. But it is dependent on your following all the regulations in the state where you live. If you don’t, that privilege can be taken away from you.  At Valor Insurance in Easton, PA, we make sure that all of our customers understand what the rules are in Pennsylvania and what documents they need to carry at all times. 

Documents you should always carry in your vehicle

Your vehicle registration

When you register your vehicle in Pennsylvania, you will be given a copy of your vehicle registration and the date it is effective. You will be asked to produce this if you are ever stopped by law enforcement. Not having your vehicle registered can cause you a fine. Keep it safe in your vehicle. 

Your insurance card

When your auto insurance renews, your insurance either sends you a paper copy of your policy and your insurance cards, or they send you a digital copy. If you get the digital copy, you will need to print out your insurance card. This piece of paper states the make of your carrier and the dates that your auto insurance is effective. If you are stopped by law enforcement for any reason, they will ask to see your insurance card, so it is vital that you keep it safe in your glove box. 

Your driver’s license

Since you can use your driver’s license as an ID, many people carry it in their wallets. Make sure that anytime you are in your vehicle you have your wallet with you. 

Safety and emission stickers

When you get your vehicle safety and emission tests done, you will get a sticker that is placed on your windshield. It is required, make sure you have it. 

Get Auto Insurance Today

Contact Valor Insurance in Easton, PA to discuss what your auto insurance needs are. 

What Are The Benefits Of Commercial Insurance?

Commercial insurance is a vital part of any business. It can protect your company from financial losses in the event of an accident or disaster. There are many types of commercial insurance, each offering different benefits. In this article, we’ll discuss the most important benefits of commercial insurance.

Commercial Insurance Helps You Meet Your Regulatory Requirements

In some industries, having commercial insurance is a regulatory requirement. For example, companies that transport goods or provide certain services may be required to have insurance to operate. Not having the required insurance could result in hefty fines or even the loss of your business license.

It Can Give You Peace of Mind

Running a business can be stressful, and there are always potential risks lurking around every corner. Having commercial insurance can help give you peace of mind knowing that your business is protected in the event of an accident or disaster.

No one likes to think about what could go wrong, but it’s always better to be prepared. Commercial insurance can help you sleep better at night, knowing your business is protected.

Commercial Insurance Can Help You Attract and Retain Customers

In today’s litigious society, many customers will only do business with companies with adequate insurance coverage. They want to know that in the event of an accident or disaster, they won’t be left high and dry.

Having commercial insurance from Valor Insurance in Easton, PA can help you attract and retain customers. It’s another way to show them that you’re a responsible business that takes its obligations seriously.

Contact Us Today

So, there you have it! Those are just a few of the benefits that come along with getting commercial insurance for your business. Valor Insurance in Easton, PA can help get you the coverage you need to protect your business from any number of potential risks. Give us a call today to learn more about what we can do for you.

I Have A Mortgage, Does My Lender Require Me To Have Home Insurance?

Most mortgage lenders require borrowers to have homeowners insurance to protect their investments. Although the type and amount of coverage required vary from lender to lender, all mortgages come with some level of home insurance requirement. Valor Insurance in Easton, PA  can provide expert insurance advice on this important coverage.

Here we discuss whether your mortgage lender requires home insurance.

Does Your Mortgage Lender Require Home Insurance?

The main reason mortgage lenders require home insurance is to protect their investment. If something were to happen to your home, such as a fire or severe weather damage, the lender would want to be sure that their investment is protected.

Home insurance gives you peace of mind knowing that you and your lender are protected in the event of a disaster. With Valor Insurance, located in Easton PA, you can be sure that you’re getting the best possible coverage for your home.

How Much Home Insurance Coverage Does Your Mortgage Lender Require?

Your mortgage lender wants to ensure their investment is protected in case of any disasters. That’s why they require you to have home insurance. The thing is, the amount of coverage they require can vary.

Generally, your lender will require you to have enough coverage to rebuild your home if it were completely destroyed. They may also require you to have a certain amount of liability coverage in case someone is injured on your property.

The best way to determine how much coverage your lender requires is to speak with them directly. They’ll be able to give you the specific details of what they need.

Once you know how much coverage your lender requires, you can start shopping for a policy that meets those needs. Be sure to compare rates and coverages from different companies before making a decision.

Contact Us Today

As you can see, most mortgage lenders require borrowers to have homeowners insurance. This is to protect their investment in case of any disasters that may occur.

The amount of coverage required can vary from lender to lender. It’s important to speak with your lender directly to find out how much coverage they require. Once you know the amount of coverage you need, get in touch with Valor Insurance in Easton, PA to get started on your home insurance policy.