Personal Insurance

Auto Insurance

In Pennsylvania, the state minimums may not be enough to fully protect you from lawsuits. If you are found negligent in an accident and the damages exceed your insurance limits, you can be sued in court for those amounts not covered by your insurance. Our Agency can help protect you and your vehicle while saving you money on premiums!

  • Medical Protection: Covers treatment of the Insured in the event of an accident.
  • Property Damage Liability: Covers damages caused to someone else’s property by the policyholder while operating an automobile.
  • Collision: Insures the policyholder from loss during a collision with another vehicle or object.
  • Comprehensive: Protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
  • Uninsured/Underinsured Motorist Coverage: Covers the policyholder’s injuries in the event of a collision with an uninsured/underinsured driver.
  • Full Tort or Limited Tort

These options may be somewhat overwhelming. Our friendly and knowledgeable insurance agents will happily walk you through the process of getting car insurance in Pennsylvania.

Other questions to keep in mind:

  • Are you eligible for any discounts?
  • What level of service do you deserve?
  • What type of coverage you need?

Talk to us about your options!

Homeowners Insurance

The single biggest investment you may make in life is your home. Are you sure you've protected your investment?

Typically, when you purchase home owner insurance, it will include four types of essential coverages:

  • Liability insurance protection covers you against lawsuits or claims from others for bodily injury or damage to property caused by your negligence or that of your covered family member or household pet.
  • Personal property insurance protection pays for your losses up to the limits of your policy when your personal belongings are stolen or destroyed by various covered disasters anywhere in the world.
  • Structural insurance protection covers partial or full cost to repair/rebuild your house damaged by various covered disasters, and it often can include other detached structures on your property like garages and storage sheds.
  • Additional living expenses are paid up to the limits of your policy  during the repair/rebuild process if you must live away from an uninhabitable home damaged by a covered disaster. If part of your home is rented out and you lose rental revenue because damage renders it uninhabitable, this coverage reimburses for lost rent.

Let us review your homeowner's policy with you and make sure there are no gaps in coverage.

John F. Sebak
INSURANCE AGENCY
P:
724-226-2942
F:
724-224-7716
1601 Freeport Road
Natrona Heights, PA 15065
Contact
O'Neil
INSURANCE AGENCY
P:
724-339-7571
F:
724-339-7430
2411 Leechburg Road
New Kensington, PA 15068
Contact
David S. Tyson . RPM
INSURANCE AGENCY
P:
412-349-0998
F:
412-349-4824
244 Center Road, Suite 302
Monroeville, PA 15146
Contact
Lanzo-Lutz & Associates
INSURANCE AGENCY
P:
724-274-8938
F:
724-274-5469
1413 Pittsburgh Street
Cheswick, PA 15024
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