Am I Required to Have Home Insurance?

When you purchase a home in Pittsburgh, PA, there’s no question that it is an exciting time and experience. As a new homeowner, you may wonder if you really need to contact Gallina and Sons to help you purchase a homeowner’s insurance policy. Is this needed? Why should you have to pay hundreds or even thousands of dollars a year for it?

While these are good questions, there is one situation where it is required. However, even if you don’t have to have this policy – it’s still a good idea to invest in it. Keep reading to learn more.

Do You Have a Mortgage?

If you have received a loan to purchase the home you are now living in, it is often required by the lender that you have homeowner insurance. This policy will protect the investment they have made and ensure if something is damaged, broken, stolen, or some other issue arises, that it can be repaired and the lender will still have a structure that is worth its original value.

No Mortgage – No Insurance?

According to the above, you may think that if you paid cash for your home, or if you have paid off your mortgage, that you no longer need to pay for home insurance. This is not correct. The fact is if you don’t have this coverage and someone is injured on your property, if a fire occurs, or even a natural disaster, you won’t have any means to rebuild or pay expenses. This can leave you homeless. By having home insurance, you have coverage to ensure you can rebuild and that your investment is protected.

If you need to purchase home insurance, please be sure to call the professional team at Gallina and Sons, proudly serving the Pittsburgh, PA area today.

Common Misconceptions About Auto Insurance

At Gallina and Sons, we have worked with people who have some pretty common misconceptions about car insurance. If you live in Pittsburgh, PA or the surrounding area and have any of the following ideas, we are here to bust them.

Insuring a Red Car Costs More

Too many people have asked us over the years if their red car is going to cost more to insure. Color has nothing to do with your policy premiums. Your policy will be affected more by things like your driving record, credit history, and more.

You Always Get The Best Policy

Many people believe that an agent is going to find the best possible insurance policy for them, no matter what. That isn’t always the case. While an agent will get you the best policy their company offers, they won’t suggest one outside of their employer. There’s a strong fact that you might get a better policy option from a different company.

Gender Affects Your Coverage

The idea that men have higher premiums than women is a silly misconception that is more like a bad sitcom joke than anything. Insurance companies base their premiums on a driver’s history and the quality of their vehicle. The gender of the driver has almost nothing to do with it.

Lapsed Coverage Saves You Money

Some people try to save a little money by letting their insurance policy lapse for a few months. This mistake is a huge one. That’s because you can not only get severely penalized if you’re caught without insurance but will end up paying higher premiums because of your lapse.

Avoid These Misconceptions

So if you live in Pittsburgh, PA or the surrounding areas and suffer from these misconceptions, please contact us at Gallina and Sons. We can help you better understand your insurance policies and ensure that you don’t experience any complications due to a misunderstanding.

How to Change Home Insurance

Home insurance is something that is very important and with the right information you can get a policy that is going to work for you in the most beneficial way possible. Knowing how to switch your coverage or change it is one of the best ways you can be sure you are getting the most out of your policy. For those in the Pittsburgh, PA area, the agents with Gallina and Sons can help you find the home policy that works best for you.

Changing your Home Insurance Coverage

Home insurance is something that is very important, and the right coverage is essential to make sure your home is protected from any issue that you may come up against. The proper coverage can mean the difference between being able to rebuild or move after your home is destroyed and can mean the difference between being able to carry on and financial ruin. Switching home insurance coverage is not as difficult as you imagine.

Taking the time to talk with an agent at a local insurance agency is the best way to know how to go about changing your home insurance coverage. You are going to need to first initiate the change by contacting the agent or new agency you want to have your home insured with. You then need to have an adjuster visit your home to see how much it is worth and how much it should be insured for. You can then talk with an agent to find out what policy is going to work best for you and what coverage you need.

For those in the Pittsburgh, PA area, the agents with Gallina and Sons can help you to find the coverage you need and the coverage that is going to keep your home safe from any disaster that might strike and destroy your home. Contact our agents for more information.

When Can You Claim Your Condo Association Insurance?

Owning a condominium usually brings along unique insurance needs. You need to remember the fact that when you purchase a condominium in Pittsburgh, PA, you are acquiring an interest in a property of homes. 

A condominium board or Homeowners’ Association is in charge of the property. What you own as an individual is the space around the four walls, but anything outside is shared. You will be expected to pay fees for amenities and to maintain the condo complex. 

The shared ownership of the space usually creates a great challenge when it comes to liability and property damage claims. However, a Condo Association insurance policy from Gallina and Sons will go a long way towards addressing these issues. So, when should you claim your condo association insurance policy?

When There Is a Liability Claim Filed By a Third Party

It is good to mention that your condo association’s insurance policy helps cover the structure of the building and all common areas. The policy may or may not extend to the inside of your unit depending on the service provider.

You can file a claim on your condo association’s policy if you are hit with a lawsuit or if you need to cover the medical costs of another person who suffered injuries after slipping and falling in a common area that is maintained by the association.

When There Is Property Damage on the Common Areas

The property coverage on your condo association’s insurance policy is meant to offer protection against different disasters that may affect all the common areas of the units that you share with the other residents such as the basement, the elevator, walkways, roofs, and courtyards.

Don’t be afraid to file a claim if something happens and any of these common areas are rendered unusable. The insurance provider will take care of all the necessary repairs.

Do you own a condominium in Pittsburgh, PA? Contact Gallina and Sons today to learn more about a condo association’s insurance policy.

Will my insurance cover times when my business can’t be open through no fault of my own?

At Gallina and Sons, we know how important it is to protect your business in Pittsburgh, PA. Your business is not just your most valuable asset, but you are depending on it to provide income and support for you and your family for years to come. Obtaining the right commercial insurance policy is the first step in protecting your investment, and normally people purchase these commercial policies for auto, property, and liability.

Another important loss that no one can be prepared for is when the business is temporarily closed, such as in the aftermath of a natural disaster. The bills still need to be paid, like the mortgage and the electricity. Workers still need to provide for their families, and you may even owe them money for work they have done. But when your business isn’t open, you can’t generate the income you need to pay for everything. The losses will add up, and temporary closures have often caused companies to eventually shut down permanently when they could not recover.

With business interruption insurance, your small business can survive a temporary shutdown. You can add business interruption insurance to your already existing commercial policy, such as your BOP (Business owner’s policy). Your policy can cover profits you expected to receive, operating expenses you are still paying, and extra expenses that your business incurs because of the disaster. Your policy may even cover the expenses associated with moving your business temporarily until your original location is accessible again. 

If you have a small business in Pittsburgh, PA and you want to protect it against a temporary shutdown, or if you have any other commercial insurance questions, please call Gallina and Sons today.

How to Organize Home Improvement Projects

Homeownership in Pittsburgh, PA is a never-ending battle. It’s you versus the infinite list of things you want and need to do to the home. Before you pull your hair out of your skull, Gallina and Sons have a few tips to help you create a project hierarchy that will help you stay productive and satisfied with your efforts.

Priorities

Many experts talk about prioritizing projects that add the most value to the home. While there’s merit to that approach, it might not be the best starting point. You can worry about cost and value before you commit, but usually, it’s better to prioritize the things that matter most to you on a personal level. Put things that bother you at the top of the list (as opposed to things you really want). Fixing the squeaky door often grants more peace of mind than building the new deck or outdoor fireplace. The projects that add the most value to your daily life are often less ambitious, and they’ll keep you motivated to move on to the next.

Cost vs. Value

Still, comparing cost and value is a good way to pick between projects when other methods fail. There are plenty of tools to help you estimate what kind of return you’ll get for your spending, and it can help you make informed decisions.

Timing Is Everything

The most valuable resource for DIY projects is time. Here’s a rule to help you determine whether or not you should start a project. Estimate how long you think it will take, and then triple it. If you don’t have the time to handle unexpected problems that arise, then maybe it should wait until later. This doesn’t apply to emergency projects that are necessary to keep the house functioning and safe (like plumbing issues), but it can help you organize your more ambitious ideas.

Since you’re doing so much with your Pittsburgh, PA home, there’s one thing to remember. Changes to your home can, on occasion, necessitate changes to your insurance policy. Be sure to check in with your Gallina and Sons agent every once in a while to ensure you still have the best plan.

Is Auto Insurance Required in Pennsylvania?

If you’re an adult living in the Pittsburgh, PA area, chances are you drive a car. With each state and territory having their laws governing auto insurance, it’s no wonder there’s confusion across the United States over what is and isn’t required. Fortunately, Gallina and Sons Insurance is here to help. Currently, auto insurance is required under law for all Pennsylvania drivers. That said, the law itself is a little more complicated when it comes to buying auto insurance and making sure you have what you need. Here’s what you need to know:

Pennsylvania Uses ‘Choice No Fault’ Regulations

Most people are familiar with either fault (where the driver deemed to be liable for the accident pays for the damages and medical costs through their insurance or personal funds) or no-fault laws. (where both drivers involved have their insurance companies pay for the damages and medical costs) However, Pennsylvania is pretty unique in that it has "choice no-fault" laws, where drivers can opt in or out of no-fault auto insurance.

However, it is essential to know that this choice must be made at the time that auto insurance is purchased, and the choice cannot be changed in the event of an accident. 

There Are Minimum Coverage Requirements

Like most states, Pennsylvania does have a minimum coverage limit for drivers. While the numbers are subject to change, they are currently at $15,000 per person or $30,000 per accident when it comes to bodily injury. With medical benefits, the minimum is at $5,000 per accident. Pennsylvania also can impose hefty fines on people who are caught driving without proper auto insurance (especially if they are involved in an accident), so it is essential to make sure you have a great insurance policy that both fits your budget and adheres to state laws. 

If you live in the Pittsburgh, PA area, contact Gallina and Sons to learn more about how to obtain a quote and a policy. 

What is Covered Under Commercial Insurance?

Commerical insurance is one of those things a business can’t live without. Every single day, there are tons of risks associated with your business — some of which you aren’t even aware of. But in order to protect yourself and your company, having the right commercial insurance plan is vital. 

What Does Commercial Insurance Cover?

When it comes to commercial insurance, there are many options to consider. Workmans’ compensation, general liability, and umbrella insurance are just a few of the many coverage options available to businesses. Whether you own a small coffee shop in the Southside of Pittsburgh, PA or a massive oil company on the outskirts of town, understanding your insurance options is key to running a well-functioning business.

Here are a few of the various coverage options involved with commercial insurance:

General Liability

General liability insurance covers your business from claims associated with third parties. That includes injuries or accidents that happen at your business location or injuries where your business is found liable.

Workers’ Compensation

While at work, some people might get hurt or become ill caused by something in the workplace. Under this insurance option, employees’ medical and disability expenses are covered. In most states, it’s the law for all business to carry this insurance coverage. 

Property Insurance

This is one of the most important coverage options to have for your business, no matter the size. This commercial insurance coverage will protect your business property from storms, fires, hail, and other causes. 

Professional Liability

This insurance option protects businesses from claims brought on from customers due to not following through with promised services. If a client feels they didn’t get what they paid for — or they saw economic losses — they can sue the company they worked with. This policy option will help protect you from this situation.  

Reach Out to the Commercial Insurance Experts!

All the various commercial insurance policies can be tough to wrap your head around. If you want the answers to all of your business insurance questions, reach out to the professionals at Gallina and Sons. We have a long history of providing outstanding insurance solutions for businesses of any size. We are serving the locals in Pittsburgh, PA, and we’ve been helping businesses succeed for over 70 years. Gallina and Sons is your solution for all of your insurance needs. Make an appointment with us today!

Who Requires Home Insurance?

Buying a home is a very big decision and an important investment that needs to be taken seriously. When buying a home, one of the factors that you will need to consider is whether or not you are required to have home insurance and what the requirements are. For those that are in the Pittsburgh, PA area, there are several different parties that may require you to carry home insurance on your property.

Mortgage Lender

If you are taking out a mortgage to finance the purchase of your home, you will be required to carry home insurance to protect the property. The mortgage lender will typically require that you carry a property insurance policy that will at least cover the outstanding balance of the mortgage. The mortgage lender will also require that they are a named insured party on the insurance policy and that you escrow the payments each month.  

Association

If your home is part of a larger homeowners association, you may be required to carry property insurance under the bylaws. The homeowners association bylaws will typically have minimum requirements in place for how much property and liability insurance you will be required to have. The association may also require that you provide them with evidence of insurance coverage on an annual basis.  

Homeowners that are in the Pittsburgh, PA may find that it is hard to choose the right home insurance policy. For those that are struggling to pick the right policy, talking with Gallina and Sons could be a great option. Gallina and Sons is a leading consumer insurance provider that could help you to better understand your home insurance needs and help you to get into a policy that provides you with the right level of coverage at a great rate.  

Are You Covered Fully for a Long Distance Road Trip?

It may be about time for that road trip of a lifetime. The weather is about to be nice, and the upcoming months mean that nature will be in full bloom. As you plan the details of your trip such as where to stay, key points to see, and the best food places along the way, don’t forget to update your auto insurance before you leave. Gallina and Sons, serving residents in the Bridgeville, PA area, would love to help you make sure that auto insurance is not a worry for you as you make your trip. 

The last thing you want to be thinking about on your road trip is your auto insurance coverage. That is why it is essential to learn all you can about the limitations of your coverage before you leave. For example, if you only have the minimum of coverage for your state, you may discover it is not enough if you get in an accident out of state. This is not always the case, but it is worth checking into before you leave and comparing it to the states you plan to drive through. Also, consider who else may be driving, it is common to use more than one driver on a long trip, but it is key to make sure each driver is covered. 

Advanced preparation is key to making sure you are fully covered in the event of the inevitable. This can save you from financial strains and future burdens.

Contact us at Gallina and Sons to discuss your next road trip and to make sure you are fully covered from out of state issues; we are proudly located in Bridgeville, PA and serve the surrounding areas.