We all need insurance for many aspects of our busy lives, and to be sure you are getting the right insurance coverage for your unique needs, call our family at Balsbaugh Insurance Agency, Inc.
Personal Auto Insurance
As an independent insurance agency, allow us to help you sort through the maze of coverages and companies in the market today. We can tailor an auto insurance package to suit your specific needs and budget. Our auto coverage will provide liability for an accident and coverage for your vehicle if selected for comprehensive (fire, theft, glass, animal collision or hail), and collision. Other options are available to provide peace of mind and additional protection. We provide dependable coverage with prompt service at a fair and competitive price—one that we would expect ourselves.
Discounts are also available for personal automobile policies including:
- Auto/home combination
- Multiple vehicles
- Accident/violation free
- Built-in Safety Features
- Accident Prevention training as approved by Pennsylvania Department of Transportation
- High school driver training — both classroom and on-the-road
- Good student
Your home is your most valuable asset—make sure it is properly valued and protected for covered perils. We can discuss helping you determine replacement value as well as available covered perils and policy endorsements. Personal property limits are important to review and include for replacement cost. Be sure to ask about specifically covering valuables like jewelry, bicycles, coin and stamp collections, silverware, antiques and home computers.
Proper liability limits will also help protect your financial resources generally NOT covered on an unendorsed home or auto insurance policy and may need their own specialty-type of policy. Please ask us for information.. And do not forget to ask about a personal liability umbrella to add coverage above your home and personal auto limits. Please remember motorized ATV’s, electric-assist bicycles or battery-powered toys are generally NOT covered on an unendorsed home or auto insurance policy.
Discounts are also available for homeowner's policies including:
- Auto/home combination
- Smoke detectors
- Higher deductibles
- New home
- Home monitoring systems connected to a central station reporting system
If you own an antique, collectible, renovated or specially-valuable vehicles, please call us for a quote. We can provide coverage on a stated value basis (you name the value) as long as there is limited use of the vehicle and it is securely stored.
Protect your personal property inside your apartment with renter's insurance. A renter's insurance policy provides broad coverage for your contents and includes important liability protection. Select your coverage limits, deductible, and liability coverages for your personalized package. Also, don't forget replacement cost coverage on your belongings, including valuables like jewelry, coin and stamp collections, silverware, antiques, and computers.
Do not forget to ask about a personal umbrella liability policy to add coverage above your renters and personal auto limits.
Discounts are available for renter's policies, including:
- Auto/renter's combination
- Smoke detectors
- Higher deductibles
Life insurance provides financial protection for you and your family. It is used to cover debt obligations (mortgages, home equity loans, car loans, credit card debt, etc.) and provides cash flow in case of an unexpected and premature death of one or more family breadwinners. Life insurance comes in many forms and can also be used for estate planning purposes. Forms of life insurance include term, universal, variable universal and permanent or whole life.
- Lower initial cost
- Protection for a specific time period
- Covers a specific need
- Option to include income stream
- Option to convert to permanent or whole life insurance
- Flexible premiums
- Flexible coverage amounts
- Flexible term
- Guaranteed interest rates in a tax-deferred vehicle
- Opportunity to accumulate cash value
- Access to cash value
- Same benefits as universal
- Investment subaccounts (mutual funds) to accumulate cash value
Permanent or Whole Life
- Policy guarantees protection for your entire life
- Access to cash values
- Higher initial premium
- Tax-deferred vehicle with guaranteed interest rate
Health insurance provides financial protection against a catastrophic medical expense. You can tailor a program of comprehensive major medical coverage to include mandatory networks (HMO’s or EPO’s), voluntary networks (PPO’s) or more traditional (any provider) plans. You select your deductible, coinsurance, and options for yourself and family. Health Savings Accounts (HSA’s) are available for individuals and group plans with underlying qualified health insurance plans. Group plans are available for two or more employees.
Prior to the Federal passage of the Affordable Care Act (ACA aka "Obamacare") in 2010, all health insurance plans for individuals were medically underwritten. That meant companies asked a series of questions to determine if you were healthy enough to insure. Today, and due to the ACA provisions, coverage is written on a guaranteed-issue basis with no health questions asked. However, you may only apply for new or replacement coverage from November 1st to December 15th for coverage effective January 1st of the following year unless you have a “Special Enrollment Period” (SEP—loss of comparable employer coverage, death of a spouse, birth or adoption of a child, a move from your current plan’s coverage territory, etc.). Premiums are based on your age, zip code, individuals needing coverage in a family unit and the Advanced Premium Tax Credit (APTC) that is used to offset the full retail cost of a health plan. The APTC is determined by your household income and the number of family members needing coverage. Pennsylvania administers its own Federal/Marketplace site called Pennie, which is found online at www.pennie.com. Please remember you may qualify for an SEP that may allow you to apply for Pennie coverage throughout the calendar year based on a change in your life's circumstances.
Our agency offers licensed Broker Assistance to help walk you through the process. Contact us today for help!
Disability insurance replaces wages lost due to a long-term illness or injury that prevents you from working and earning money. You can provide for yourself and your family with the disability insurance needed to continue paying your everyday living expenses. Balsbaugh Insurance offers quotes and policies that provide a needed level of coverage based on your income, deductible period, term of benefits, and options.