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The Advantage of an Independent Agency Working for You
What sets our autonomous organization apart?
Discover the Method.
Erwin Agency LLC is an independent, family-owned company that was established in 1974 with the goal of protecting your hard-earned assets. Whether you require business insurance or personal insurance, we are here to provide you with a comprehensive line of insurance products. We are your one-stop destination for all your insurance solutions, serving the Hershey, PA community and the 20 states along the East Coast. Our commitment to satisfying our clients remains strong every day.
As a full-service agency, we represent more than 80 carriers in the insurance industry, providing you with a wide range of coverage options. Over the course of 45 years, our agency has earned the trust of over 10,000 clients spanning the East Coast.
Our agents practice true care and integrity when working with clients. We are focused purely on getting the best possible coverage and the most competitive rates for our clients, and our talented group of agents does not work on commission. We are committed to exceeding your needs and putting your needs first.
Trustworthy, Experienced Advisors
Quick and Efficient Service
Fully Customizable Solution……………s
What Makes Erwin Agency LLC Special
Here’s what sets us apart when it comes to serving your insurance needs.
Deep Community Ties
We contribute to our community and engage with the philanthropic organizations we endorse.
Strong Client Relationships
We put in additional effort to surpass your expectations, regardless of your requirements.
Technological Advances
Through the utilization of technology, we deliver prompt and precise service and processing of claims.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
Fire.
Risk Factor……………
Fires can be extremely destructive. In addition to the emotional impact, they can cause substantial physical damage to your home. Do you have sufficient insurance coverage to replace your belongings and rebuild your home? It’s important to keep in mind that construction and building materials costs are rarely in line with real estate values and inflation rates. As a result, the expenses for rebuilding a home are often higher than expected.
Solution……………
Make sure your homeowners policy includes coverage for the cost of replacing your home with no cap. This protects you if the cost to reconstruct your home is higher than your current limit. And be sure that your insurance includes coverage for rebuilding your home, which may require additional costs over time due to changes in local building codes and ordinances.
Personal Belongings / Possessions – Property Destruction.
Risk Factor……………
Your personal property is at risk as well when your home experiences damage from an unforeseen incident. Furniture, appliances, clothing, electronics, and other personal belongings can also suffer damage or be completely ruined.
Solution……………
Make sure your homeowners insurance policy includes coverage for full replacement cost, so that you always receive the full cost of whatever item is damaged. Typically, homeowners insurance policies cover personal property, including the contents of your home and other personal items owned by you or your family members who live with you.
Additional Living Cost / Loss of Utilization.
Risk Factor……………
In the event of significant damage to your home caused by unforeseen circumstances like lightning, fire, or a storm, you might have to bear additional costs for accommodation, meals, and other everyday necessities, which may prevent you from residing in your house until it is restored or reconstructed.
Solution……………
If your temporarily uninhabitable house needs to be rebuilt or repaired, your homeowners insurance policy ensures that you are covered for the additional costs of living and reasonable housing expenses incurred during this event, providing compensation for the loss or additional living expenses.
Valuable Possessions.
Risk Factor……………
Usually, homeowner insurance policies have a limit on valuable items like jewelry, fur, fine arts, and other collectibles.
Solution……………
Obtain a personal flotation device or make arrangements for safeguarding your valuable possessions to ensure that you have the necessary funds to replace them.
Medical Expenses.
Risk Factor……………
Associated with their injury, you may be obligated to cover all medical costs, even if it arises from a casual baseball match, in the event that a visitor sustains an injury while on your premises.
Solution……………
If someone gets injured on your property and needs medical attention, you can submit the medical expenses for their injury to your insurance company. Your homeowners policy should have coverage for medical expenses to handle minor injuries and treatment. Generally, these expenses are paid without any need to file a liability claim against you.
Personal Liability.
Risk Factor……………
In the unfortunate circumstance, if anyone slips and falls on your property, any injuries that occur might make you and your family responsible.
Solution……………
Your homeowners insurance policy contains personal liability coverage to address situations where injuries or damages happen to a third party, for which you may be considered negligent. Nevertheless, it is advisable to contemplate acquiring a personal umbrella or excess liability policy to increase coverage limits and safeguard your assets in the event of a lawsuit.
Miscellaneous Coverage.
Risk Factor……………
The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks that may not be covered under your standard homeowners insurance policy, as insurance coverage varies between companies and from state to state.
Solution……………
To ensure that your homeowners insurance policy covers your trampoline, you should make sure that many insurance providers refuse to take on the liability and exclude coverage for such items.
Personal Harm / Slander.
Risk Factor……………
Young people are typically very active online. Using social media and other websites can potentially increase the possibility of exposing a parent to a lawsuit and indirectly or directly damaging someone’s reputation.
Solution……………
You may need to seek additional coverage to include protection for personal injury or defamation. Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it is unlikely to cover reputation damage caused by statements or rumors.
Umbrella / Additional Liability Coverage.
Risk Factor……………
Do you have enough money saved up to cover your legal costs and responsibilities, as well as financially support your family if they are left responsible for their injuries? After a long legal battle, you may need to hire a lawyer to represent them. You invite guests over for a pool party, but unfortunately, one of your guests dives into the shallow end of the pool and is permanently injured.
Solution……………
Excess liability insurance is an endorsement that is available separately as coverage for your homeowners’ policy. It provides additional security and financial value by increasing the liability limits of your current homeowners, boat, or auto policies, or by adding an excess liability or umbrella policy.
Flood Coverage.
Risk Factor……………
If you do not live near a body of water, you are not normally prone to suffer damage from floods. However, with the changing weather patterns and the occurrence of more damaging storms around the globe, losses from floods are becoming more common in places that are not typically prone to flood damage. Unfortunately, your homeowner’s policy does not cover damage from floods.
Solution……………
Purchase an insurance policy for floods to protect your home and its contents from certain types of flood-related losses, which is designated as a servicing carrier or a separate policy purchased through the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program (NFIP).
Secondary Home.
Risk Factor……………
Having a second home has the possibility of raising your liability risks.
Solution……………
Consider adding your secondary residence to an excess liability or umbrella policy to ensure adequate coverage for additional liabilities. Additionally, contemplate expanding the liability protection provided by your homeowners policy to encompass your secondary home.
Collector Cars.
Risk Factor……………
Typically, if your property is stored on your homeowners insurance, they are not adequately protected. Even if they are covered, classic or collector vehicles often require unique insurance coverage and have significant value and special documentation.
Solution……………
Insure your collector cars with a specialized insurance company that understands and focuses on unique vehicles, including classic cars and other collector cars.
Wine Collection.
Risk Factor……………
A deductible would also be applicable. Nonetheless, the damage is only insurable if it is a covered reason for loss as specified in your homeowners policy. If the collection sustains damage, seeking coverage from your homeowners policy is a potential option. If you are an enthusiast of wine, you are aware that it is vulnerable to external environmental factors that can spoil it.
Solution……………
If you have a sizable wine collection, you may want to consider scheduling it on your homeowners policy. By doing so, you eliminate the deductible in case of a loss and expand your coverage. You should also consider unique coverages for wine, such as coverage for spoilage.
Water Damage.
Risk Factor……………
Water damage, whether originating from the plumbing system within your residence or from external sources, is the primary cause of harm to a house. Most homeowner policies do not cover damage resulting from floods, and numerous policies exclude losses caused by the backup of sewers and drains.
Solution……………
Firstly, it is important to find cost-effective solutions to mitigate the risk of flood damage. This includes having a backup system for sewers and drains. We suggest considering insurance coverage options from reputable companies to safeguard against all forms of water damage and ensure thorough protection for your home and personal possessions. It is crucial to carefully evaluate these solutions.
Off-Premises Theft.
Risk Factor……………
Interestingly, regular car insurance does not provide coverage for personal belongings or items that are stolen from your vehicle.
Solution……………
If your personal belongings are stolen while you are away from home, the endorsement provided as an option in many homeowners’ policies can cover the theft.
Home Insurance 101
Ensure that you address the distinct hazards you encounter with homeowners insurance.
Report a Claim
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Policy Change
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Request Certificate
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Auto ID Card
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Pay Bill
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Policy Review
Assess your insurance coverage in relation to your present requirements.
Contact Erwin Agency LLC
As an independent agency, we are here to help you find the right coverage.
Hershey, PA
242 Chocolate Avenue West.
Hershey, Pennsylvania 17033.
Our insurance offerings reach out to customers in 20 states along the Eastern Seaboard.
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