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Four of the best things about your auto insurance

If you own a vehicle in Easton, PA, you’ll need to insure it. We can offer you auto insurance that meets your needs at Valor Insurance. Get your liability, collision, and comprehensive coverage from us. 

Motorists should know about all the great benefits they enjoy with auto insurance.

The following are four of the best things about your auto insurance policy:

Auto insurance can protect your vehicle’s value.

When you carry collision and comprehensive coverage, your vehicle’s value is protected by your auto insurance policy. These types of coverage will compensate you for the costs of damages your vehicle experiences as a result of covered incidents like vehicle collisions. 

Auto insurance allows you to drive legally.

In most states, auto insurance is legally required. The state of Pennsylvania requires motorists to carry auto insurance.

Maintaining coverage helps you stay in compliance with local laws and regulations, avoiding penalties and legal issues.

Auto insurance can come to your assistance if you break down.

Auto insurance with roadside assistance provides a safety net when breakdowns occur. Whether it’s a flat tire, dead battery, or mechanical issue, this coverage ensures prompt help by getting you back on the road as quickly and conveniently as possible. 

Auto insurance can pay for a rental vehicle after an accident.

Rental vehicle coverage on auto insurance ensures you’re covered when your car is in the shop. It helps pay for rental costs so you can continue your daily routine without disruption while your vehicle is being repaired.

Consult With Us

There are plenty of things you’ll love about our auto insurance policies at Valor Insurance. We insure drivers in Easton, PA. Get a quote now and hit the road worry-free!

Does Pennsylvania Legally Require All Business Owners to Have Commercial Insurance?

At Valor Insurance in Easton, PA, we’ve walked plenty of experienced and new business owners through the process of obtaining commercial insurance over the years. One of the most common questions we receive is about whether Pennsylvania legally requires every business owner to obtain commercial insurance.

Since it can be costly to possess less than the minimum commercial insurance requirement and even cause legal problems, you’ll want to review the laws surrounding commercial insurance for business owners if you operate a business in Pennsylvania.

What is commercial insurance?

Simply put, commercial insurance is a form of protection for businesses that can cover liability, property protection, theft, and more. As you can imagine, it’s a vital source of emergency expense coverage for many business owners across the United States.

Even if it’s not legally required in your state or for your specific circumstances, it’s good to have commercial insurance if you own a business. It ensures that you’ll be able to handle almost any emergency financially as a business owner. That kind of peace of mind pays for itself.

Does Pennsylvania legally require all business owners to have commercial insurance?

At a minimum, Pennsylvania law requires businesses that have employees to hold worker’s compensation insurance, which is a type of commercial insurance that helps cover worker’s compensation expenses. If you have a company car, you may also need to purchase commercial auto insurance to meet minimum legal requirements.

Certain types of businesses such as home-based businesses may want policies that cater to home-based businesses. While commercial insurance isn’t always legally required in Pennsylvania, it’s almost always recommended to protect small businesses and large ones from financial devastation.

Contact Us Today

To protect your business, call Valor Insurance in Easton, PA today.

Understanding Your Policy: A Guide to Reading Home Insurance

When it comes to home insurance, many residents in Easton, PA don’t realize the investment they’re making. While you understand that home insurance is necessary for financial protection, there are many different aspects that can be confusing for many. At Valor Insurance, we want to make it easy for our customers to understand their policies. This guide helps you understand what you need to know.

Declarations Page

The first thing you should understand is the declarations page. Essentially, it’s an overview of your home insurance policy. It will summarize details about your coverage (i.e., dwelling, personal property, deductibles, premiums, and possible discounts).

At the top, you should also see your name and address and the policy period. Since they typically last a year, the dates will reflect that length of time accordingly. The mortgage lender will also be listed somewhere on your policy. They might have specific requirements about what coverages are needed depending on where you live.

Perils Your Policy Covers

Part of having a home insurance policy is knowing what is covered in an unexpected event. Your home insurance policy can list different examples of different perils that you would have protection for. Some examples include the following:

  • Natural disasters like lightning or tornado
  • Smoke damage
  • Theft
  • Vehicle damage
  • Vandalism
  • Someone else injured on your property

Noted on your policy will also be exclusions or examples of what isn’t covered by your policy. For instance, general wear and tear to the property, like carpet or appliances, will not be covered. 

Find Out More About Home Insurance In Easton, PA

Feel free to call Valor Insurance if you need to find out more about home insurance coverage or if you need to get an estimate. We look forward to helping. 

Life Insurance Gives You Protection and Peace of Mind

If you want to provide protection for the future of your loved ones, a great way to do that is to get a life insurance policy. If you’re in the Easton, PA area and looking for a quality policy, Valor Insurance can help. We understand the importance of life insurance and how we can help you get the coverage you and your family are looking for.

Benefits of Life Insurance

You don’t have to worry about what would happen to your loved ones when you have a strong policy to protect their interests if something should happen to you. If you’re not sure where to start, though, or what kind of policy to choose, you’re not alone. There are different types of life insurance options, and you want to choose the one that’s right for your situation.

Sometimes that’s a term policy, but it might also be a whole life policy. Your agent can help you choose between the options you have, based on the kind of coverage and limits you’re looking for. Then you’ll have a lot more peace of mind and know that you have the security to keep your family safe even if you’re not physically here.

If you’re single and don’t have children yet, having a life insurance policy can still be a great idea to leave something to other family members, friends, or a significant other. Valor Insurance serves the Easton, PA area, and is here to help you with your life insurance policy needs.

Give Us A Call

Reach out to us today, and let’s discuss the policy you’re interested in and what it would mean for your family. Then you can decide if that’s the best option for you or if you’d rather consider a different option instead. Life insurance is a personal choice, and we want to make sure you have the right policy for you and your family.

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. 


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.