Specialized Coverage Offered by Classic Car Insurance

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If you’re a proud owner of a restored vehicle in Scranton, PA, and occasionally showcase it at exhibitions, standard auto insurance may not offer adequate protection for your prized possession. Classic car insurance provides several benefits that offer more extensive protection for your collectible vehicle. It’s typically less expensive than standard auto insurance. Bartal Insurance is here to help you understand why this policy is essential for your unique vehicle.

Who Requires Classic Car Insurance?

Classic car insurance policies are suitable for individuals who restore vehicles, own a hot rod, or possess a highly customized, luxury, or exotic vehicle. Classic cars are sometimes referred to as vintage or antique vehicles. While there’s no strict definition of a classic car, many insurance companies consider vehicles aged 25 to 30 years old as classics. However, if you own a special vehicle that you use primarily for exhibitions and believe it has features worth preserving, you could qualify for one of these policies.

How Classic Car Insurance Stands Out

The most significant difference with this policy type is that you can agree on a value for the vehicle if it sustains substantial damage or is totaled. This is because many cars of this type increase in value through restoration or additional special features added after the initial purchase. The agreed-upon value takes into account the current market value, vehicle condition, improvements, and the cost of special-order and replacement parts.

Other benefits include:

  • Reduced premiums in exchange for low-mileage use
  • Protection when stored
  • Special endorsement when restoring an undrivable car
  • Coverage for damage at car shows

You can still drive your classic car on the road if you don’t use it as your everyday vehicle.

Contact Bartal Insurance today to learn more about securing a classic car insurance policy in Scranton, PA. We’ll be happy to schedule an appointment.

Can you afford not to have renters insurance?

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Living in Scranton, PA, comes with its share of concerns. With nearly 8,900 rentals in the city, you have a variety of living options. While having a reliable landlord is crucial, expecting them to have insurance that protects your personal property is a misconception. Bartal Insurance can provide the rental policy you need and answer your questions about its importance.

Can You Afford to Replace Your Possessions?

As a renter, your rental likely houses most of your possessions. Can you imagine having to replace everything you own all at once? Consider your clothes, kitchen equipment, electronics, and more. It’s likely you own more than you realize, and unless you’re wealthy or have substantial savings, replacing everything could be a significant challenge.

Can You Afford Legal Action Against You?

No one wants to face a lawsuit, but it does happen. The cost of legal representation and paying a judgment against you could deplete your resources. Rental insurance provides liability coverage and this protection for you.

Where Would You Stay if Your Rental Is Damaged?

Where would you go if your rental is so severely damaged that it’s uninhabitable? With the loss of use coverage provided by your rental insurance, you’d be able to stay in temporary lodging and have some meals provided.

In Scranton, PA, Bartal Insurance is an independent insurance agency that provides our customers with the rental insurance and other types of insurance they need. Contact us today.

RV Insurance for A Preowned Recreational Vehicle

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Before purchasing a preowned recreational vehicle (RV), it’s crucial to conduct a thorough inspection. Once you’re satisfied with the condition of the RV, consider obtaining an insurance policy. Insurance will protect your RV both when you drive it and when you park it.

Preexisting Issues

An inspection can help identify any preexisting issues that need to be addressed. While a mechanical issue or cosmetic flaw won’t affect your RV insurance policy, it could influence your decision to purchase a particular RV model.

The Layout

Assess the layout of the RV you’re interested in purchasing. The layout will determine the available space within the RV and may also affect its overall safety. When assessing the layout, consider the type of insurance coverage you’ll need to protect the space. If you plan on moving your own furnishings into the RV, you might decide to insure each of your personal possessions.

Driving Capabilities and Proposed Travel Plans

Evaluate the preowned RV’s driving capabilities. An RV with a motor in pristine condition will be safer to drive than one with preexisting mechanical issues. Also, assess your proposed travel plans. Use this information to help you choose the level of insurance protection that suits your needs.

Comparison of Insurance Products

Compare insurance products that will adequately protect the RV from theft, vandalism, and natural weather events. This step will help you choose the proper coverage.

Contact an Insurance Agent in Scranton, PA

Contact one of our agents at Bartal Insurance. They will schedule an appointment to discuss your insurance coverage needs and prepare your insurance documents.

Buy Bond Insurance Before Your Startup Launches

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Pennsylvania startups may be aware that their new business requires insurance, but if they plan to go public, they’ll need bond insurance before offering investments. Bond insurance protects investors in a corporation or government entity that issues bonds, a common fundraising mechanism. At Bartal Insurance, we offer bond insurance to business owners in Scranton, PA, and can help incorporate it into your commercial insurance package.

Understanding the Need for Bond Insurance

Traditionally, corporations and governments have issued bonds to raise funds for projects. Governments often resort to bonds when they need to finance a war effort or major capital improvement project, especially when raising taxes is not viable. Corporations use bonds to fund business expansion or research and development projects.

Recently, startups have turned to crowdfunding platforms like GoFundMe for quick capital. While these methods can fund small projects, a startup looking to expand might incorporate and offer a bond to avoid going public. However, offering bonds requires as much paperwork and compliance as an initial public offering (IPO), including the need for bond insurance, which Bartal Insurance can help you secure.

Issuing a Bond in Pennsylvania

The Pennsylvania legal code outlines the requirements for any business or government agency wishing to offer a bond. Title 67, Section 449.3., covers the state’s advertising, bidding, and bond requirements rules. It also explains the three main types of bond insurance:

  • Bid bond
  • Performance bond
  • Payment bond

This section also details when an organization must purchase any of these types of bond insurance.

Contact Us Today

If you need bond insurance in any of its three forms, let Bartal Insurance help your Scranton, PA business stay compliant. Call or email us today.

Why You Need Liability Protection From Umbrella Insurance

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When you own a home and a car, it’s important to have sufficient protection for them. While you may have a home and auto insurance policies, they might not provide enough coverage. You may think there’s plenty of liability insurance, but the reality is that you might fall short. That’s where umbrella insurance comes in. It can be the difference between being able to pay for an accident and not being able to. When you need umbrella insurance, we can help. Give us a call now at Bartal Insurance in Scranton, PA.

Liability Coverage in Umbrella Policies

When you need to protect your vehicle and home, you have a home and an auto policy. Each of these comes with multiple types of coverage, including liability protection. This protects you financially in case of an accident that happens either in your home or with your vehicle. Often, there isn’t much of this liability coverage in either policy. This can make it difficult for the policy to pay for a serious and expensive accident. With umbrella insurance, however, you get much more liability coverage for both of these policies at the same time.

Using Umbrella Insurance

With much more liability coverage, your umbrella policy can come in when your home or auto policy isn’t able to pay all of the expenses for an accident. These policies can only pay up to their maximum, which may not be enough for an expensive accident. When this happens, your umbrella policy can step in and pay the rest of what’s owed for expenses like car repairs and bodily injuries.

Get Umbrella Insurance

It’s a good idea to have this coverage just in case you need it. If you don’t have an umbrella policy and need more liability coverage, call Bartal Insurance in Scranton, PA.

Preparing for a Flood: Essential Steps for Homeowners

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When it comes to protecting your home from the unexpected, Bartal Insurance in Scranton, PA, is here to help you navigate the essentials. Flooding can be a daunting prospect, but with the proper preparation, you can safeguard your property and peace of mind.

Assessing Your Flood Risk

First, assess your home’s flood risk. Check flood maps and consider the history of flooding in your area. Knowing your risk level can guide you in taking appropriate measures. It’s crucial to understand that even low-risk areas can experience flooding.

Securing the Right Flood Coverage

It’s a common misconception that standard homeowners’ insurance covers flood damage. Unfortunately, it doesn’t. This is why having a dedicated flood insurance policy is crucial. At Bartal Insurance in Scranton, PA, we can guide you in selecting coverage that fits your specific needs, ensuring you’re protected when it matters most.

Preparing Your Home for Potential Flooding

Simple preventive steps can make a big difference. Elevate electrical appliances and consider installing sump pumps or backwater valves. Keep gutters clear to ensure proper drainage. These measures can minimize potential damage and reduce repair costs.

Creating an Emergency Flood Plan

Develop a flood emergency plan for your household. Identify evacuation routes and establish a communication plan. Make sure all family members know where to find emergency supplies such as flashlights, batteries, and first aid kits.

Staying Informed During Flood Season

During flood season, monitor weather forecasts and be prepared to act quickly. Local alerts can provide critical information and timely warnings. Staying informed allows you to respond effectively to any changes.

Contact Us Today for a Flood Insurance Quote in Scranton

For more personalized advice on flood preparation and insurance options, contact Bartal Insurance in Scranton, PA, today. We’re here to support you every step of the way.

Legal Requirements for Bond Insurance in PA

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When reaching out to Bartal Insurance in Scranton, PA, for your business insurance needs, bond insurance may not immediately spring to your mind. However, in the state of Pennsylvania, certain industries are legally required to have bond insurance.

Industries That Require Bond Insurance

A diverse array of individuals, companies, and municipalities that need to meet legal requirements buy bond insurance in Pennsylvania. The mining industry tops the list as one of the best-known industries in the state that needs bond insurance. That said, it’s not the only one. Title insurance agents and insurance holding companies need bond insurance too. Whether you work as an independent construction contractor or run a construction company with employees, you will need bond insurance in Pennsylvania. Each industry requires a different amount of bond insurance. For instance, a title insurance agent must buy a minimum of $100,000 bond insurance.

How do you know if you need bond insurance?

To ascertain whether you require bond insurance, consult the Pennsylvania Insurance Department website. As the government entity supervising insurance in the state, it provides the state legal codes pertinent to bond insurance and other types of business insurance. State-level offices of industry registration where professionals must register also provide this information. For instance, when a plumber’s apprentice is ready for their state certification, the office of registration gives them a list of requirements to complete their license application.

Contact our Insurance Agency in Scranton, PA Today

Make sure your business in Scranton, PA, has the proper insurance to operate legally. Reach out to Bartal Insurance today to obtain your state-required bond insurance.

How Does a Car Become Eligible for Classic Car insurance

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The Value of Classic Car Insurance: How to Determine Eligibility

For car enthusiasts, vintage automobiles are a treasure, and securing one adds significant value to their collection. However, safeguarding a classic car from damage or theft can pose unique challenges. At Bartal Insurance in Scranton, PA, we offer insights into the process of qualifying a vehicle for classic car insurance.

The Need for Classic Car Insurance

Investing in classic car insurance is indeed worthwhile as it protects your valuable asset from potential disasters. Even if your primary use of the vehicle is limited to an occasional parade, maintaining some form of insurance coverage is prudent. Classic car owners typically opt for policies providing minimal liability, comprehensive, and collision coverage. Documented insurance protection often serves to maintain or even increase your car’s value over time.

Qualifying for Classic Car Insurance

To qualify for classic car insurance, a vehicle must meet several requirements. Firstly, the car must maintain its original design and conform to factory specifications. This implies that all restoration work carried out on the vehicle must reflect the car’s original factory condition. Modern additions to the car can result in its declassification as a classic.

Insurance providers often stipulate that your classic car needs to be stored in a private, enclosed garage or storage unit, providing protection from the elements. An insurance representative may inspect the proposed storage site before approving your classic car insurance policy.

Classic cars should not be used for daily commuting. In support of eligibility for classic car insurance, you might need to provide evidence of separate auto insurance coverage for a different vehicle used for daily transportation.

Finally, it’s vital to agree on a market value price for your vintage car with your insurance provider. Most classic cars appreciate in value over time, and reaching an agreed value typically follows a professional appraisal. This ensures all parties have documented proof of the car’s worth in the current market.

Thinking of Insuring Your Vintage Car? Contact Bartal Insurance in Scranton, PA.

If you own a vintage vehicle and are considering classic car insurance, Bartal Insurance in Scranton, PA, can help you determine your vehicle’s eligibility for coverage. Schedule an appointment today to learn more about protecting your treasured classic car.

Should You Add Riders to Your Renters Insurance Policy?

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A basic renter’s insurance policy might be sufficient if you rent a home in Scranton, PA. However, making assumptions regarding coverage is not advisable. Acquainting yourself with what your renter’s policy covers helps you identify whether you need to add riders to your coverage to ensure adequate protection for your home and belongings.

What’s Excluded by a Renter’s Insurance Policy?

Coverage differs based on the insurance provider you choose. Generally speaking, renter’s insurance does not cover natural disasters. Considering Scranton’s susceptibility to flooding, investing in additional flood insurance to protect your belongings from damage or loss might be beneficial.

Furthermore, a standard renter’s insurance policy has coverage limits for damage to or loss of personal belongings in the home. While this limit might suffice to replace furniture, clothing, and other personal items for most individuals, it may not fully compensate for valuable items such as jewelry, antiques, or heirlooms. It would be best to consider having valuable items appraised to determine whether a rider is required to fully cover them against theft, vandalism, or natural disaster.

Find out More from Bartal Insurance

Bartal Insurance offers renter’s insurance policies and riders to ensure comprehensive coverage for you and your belongings no matter what events occur. Unsure which coverage options are suitable for you? Call us, and we will guide you through reviewing your options. We take pride in helping residents of Scranton, PA, from all walks of life secure insurance coverage tailored to their needs.

Coverage For Items Stored Within Your Recreational Vehicle

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Regular travel may necessitate storing numerous items in your recreational vehicle. These items can be prone to theft or damage, so specialized insurance coverage is essential.

Loss Of Property

Loss of property coverage replaces items that get damaged during your ownership. This type of coverage also offers protection against theft. You can obtain this kind of coverage for both fixed and movable items stored within your vehicle.

Permanently installed objects, including floor coverings and appliances, can be included in your insurance plan. Loose items that you can move, such as dishes and linens, can also be included in your RV insurance policy.

Checklist

Consider the list below when crafting a personal checklist of items to include in your insurance plan.

  • Carpeting
  • Jewelry, cash, and other valuables
  • Furnishings
  • Entertainment system components
  • HVAC essentials
  • Clothing
  • Automotive parts (for maintenance and repairs)

Inspection

Have a licensed mechanic service your vehicle. The mechanic will assess your van’s operating systems, automotive parts, cosmetic materials, and other components.

After the inspection, you will be informed about any necessary repairs or replacements. Once your vehicle is road-ready, you should consider insurance coverage for the items that you plan to store within your vehicle.

Contact Bartal Insurance

Ensuring adequate insurance coverage for the items stored in your RV can prevent future financial hardships. An agent from Bartal Insurance in Scranton, PA, can assist you with any necessary alterations to your RV insurance policy.