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.

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. 

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. 

3 Ways Commercial Insurance can Help a Business Grow

Commercial insurance can protect a fledgling business against accidents or lawsuits that can cause financial ruin. In protecting business assets and interests, commercial coverage enables you to invest in your company’s growth. Here are a few ways in which commercial insurance from Gallina and Sons can help your Bridgeville, PA business grow.

Liability

Liability coverage protects you against business-related injuries and accidents. If a customer accidentally injures himself while on your business property, general liability will help pay for medical expenses as well as protect you against a lawsuit due to the accident. Product liability protects you against injuries caused by a product you manufacture or sell. Liability insurance protects your business assets, so you can make financial decisions that will help take your business to the next level.

Property Insurance

Business expansion often requires the purchase of property, equipment, supplies, and other items essential to generating revenue. Property insurance protects your business property against damage or loss due to theft, fire, hazardous weather, or other covered peril. This protection lets you make investments that will help expand your business without worrying about the financial loss.

Workers’ Comp

Good employees are the backbone of every business. You’re more likely to attract reliable workers if your company has workers’ compensation to protect their interests. Workers’ comp protects your employees against accidental injuries on the job. It also protects you from lawsuits that may arise due to employee accidents.

By exploring the different types of commercial coverage, you can get a better idea of how to protect your business in ways that help it grow. The right insurance package can provide you with financial security to invest in your future.

To learn more about commercial insurance and all it has to offer, contact us at Gallina and Sons in Bridgeville, PA.  

How Driving Citations can Change your Auto Insurance Policy

When renewing your auto insurance policy, or starting a new policy, typically the insurance company will look at several factors. They may consider what type of car you are driving, how far you usually drive your car each day, or how many people will be driving the car in the household. Did you know that a car insurance policy is also determined by any driving citations you may have incurred? 

Any ticket for a moving violation can significantly impact your car insurance policy and the premium that you will pay. Although each car insurance company is different, typically moving violations are separated into three distinct categories. A small impact ticket that will not alter your vehicle insurance drastically could be something like having a tail light out while driving. 

A more serious moving citation might be a speeding ticket for going ten mph over the speed limit. This can moderately affect the premiums you pay for car insurance. 

A serious moving violation may be something like DUI conviction. This can have very grave consequences and can even cancel your coverage depending on the situation in which you were caught.

Each car insurance is different and will have different thresholds to consider for moving violations. The severity and the number of tickets in a given amount of time will also impact the way your auto insurance changes.

If you have questions about auto insurance policies, be sure to reach out to Gallina and Sons proudly serving Bridgeville, PA. At Gallina and Sons, we understand that auto insurance can be complicated. If you are a resident of Bridgeville, PA, please reach out to us. We are available to help answer any questions you may have and can help get you started on a new auto insurance policy today. If you are looking for a quote, try our online rating tool on auto insurance.