What We Cover

Auto Insurance

Auto insurance isn’t just about covering car repairs — it’s about peace of mind every time you hit the road. Whether it’s a fender bender or an unexpected detour, the right policy keeps you ready for the unpredictable. Knowing your coverage means you can drive forward with confidence, no matter where the road leads.

Home Insurance

Your home is more than walls and a roof –  it’s the heart of your life, where memories are created and moments are treasured. Homeowners insurance gives you the peace of mind to weather the unexpected, protecting what matters most so you can focus on what truly makes a house a home.

Life Insurance

Life insurance is more than a policy – it’s a promise to protect the people who matter most. From easing financial burdens to offering lasting peace of mind, it’s a smart, compassionate way to secure your family’s future and support them when they need it most.

Commercial

Commercial insurance is more than protection – it’s a smart investment in your business’s resilience. By minimizing risks and shielding against the unexpected, it helps you protect your team, serve your customers, and keep things running without disruption.

Specialty Products

Whether it’s your motorcycle, RV, collector car, or boat – insuring your toys means protecting the freedom they bring. With tailored coverage, you can hit the road, water, or trail with confidence, knowing you’re covered for whatever twists the journey may bring.

Events

From small gatherings to large celebrations, special event insurance gives you the coverage you need to host with confidence. With protection tailored to your event, you can focus on the moment – while we handle the “what ifs”.

Rental Properties

Owning rental properties is a valuable investment — and protecting that investment is essential. Rental property insurance helps safeguard your assets, minimize risks, and ensure steady income by covering unexpected damages, liabilities, and more. Stay focused on growing your investment with the security you need behind you.

Shore/Coastal Vacation Homes

Coastal living is all about relaxation — but owning a shore property means planning ahead. Our shore and coastal vacation home insurance is designed to protect your retreat from storms, flooding, and unexpected damage. Whether it’s a weekend getaway or a seasonal escape, we help you safeguard your piece of the shore.

Our Carriers

Windsor Mount Joy

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CONTACT

11700 Academy Rd,
Philadelphia, PA 19154

 

What Do Auto Insurance Policies Cover?

Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:

Collision insurance—This portion of your policy helps cover damage costs if you are involved in a collision.

Liability insurance—If you are at fault in a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including California, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:

• Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).

• Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.

Medical payments (MedPay) insurance—This portion of your policy helps you pay for the medical bills of you and your passengers if you are involved in an accident.

Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.

Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage, or vandalism.

There may be additional coverages that will be necessary based on your unique situation. Be sure to ask our agency how we can tailor your auto coverage to your needs.

Get Covered Today

Our team is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.

What Is Homeowners Insurance?

Home insurance is a package policy, which means that it covers damage to your property after a covered loss and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. There are usually additional coverages or endorsements, also called riders, that you can add to the standard coverages provided by home insurance to ensure adequate protection.

Do I Need Homeowners Insurance?

While purchasing a home insurance policy may not be mandated by the federal, state or local government, your lender may require proof of home insurance if you have a mortgage. Carrying appropriate coverage is always a good idea as the policy can help financially protect you if you experience a covered accident or other loss. Without home insurance, you may be left to cover the replacement or repair costs on your own following an incident.

Get Covered Today

If you need a homeowners insurance policy or want to evaluate whether the coverage you have is adequate, we’re here to help. Give us a call today to get started or request your free quote now.

What Is Life Insurance?

Life insurance is a financial safety net designed to protect your loved ones in the event of your passing. It provides a tax-free lump sum payment, known as a death benefit, which can be used to cover final expenses, debts, mortgage payments, and ongoing living expenses for your family.

Why Do You Need Life Insurance?

While life insurance isn’t mandatory by law, it plays a critical role in safeguarding your family's financial future. Whether you're providing for children, a spouse, or other dependents, life insurance ensures they are protected in times of uncertainty. It can also help manage estate taxes, pay off loans, or leave a legacy for your loved ones.

How Life Insurance Works

There are various types of life insurance, such as term life, whole life, and universal life, each offering different benefits tailored to specific needs. Term life insurance provides coverage for a set period, while whole life offers lifelong coverage with the added benefit of a cash value component.

Get Started with Life Insurance

If you're considering life insurance or wish to reassess your current policy, we’re here to help. Reach out today to explore your options and find the coverage that meets your needs.

Commercial Insurance Coverages

Commercial insurance typically provides protection for:

  • Third-party property damage—Commercial insurance may cover repair or replacement costs if your business is responsible for damaging others’ property.

  • Third-party bodily injury—Commercial insurance can help pay for medical expenses if your business is held liable for a third-party injury (e.g., accidents occurring on your business premises).

  • Personal and advertising injury—Commercial insurance may offer coverage if your business is sued for personal or advertising injury (e.g., slander, libel, or copyright infringement).

In addition to covering damages, commercial insurance can also help pay for associated legal fees (e.g., attorney fees, settlements, and judgments). For more details on coverages, limits, and exclusions, speak with your agent.

Importance of Commercial Insurance

While commercial insurance is not typically mandated by law, certain business licenses may require it, or landlords may ask for proof of coverage when leasing business spaces.

Commercial insurance can prevent unexpected losses and help manage risks efficiently. Reach out to your agent for a personalized plan tailored to your business needs.

How to Obtain Commercial Insurance

Our team is here to assist in securing the right commercial insurance policy for your business. Contact us today for more information or a quote.

What Are Specialty Products Insurance?

Specialty products insurance is designed to provide protection for unique assets such as boats, RVs, motorcycles, and other recreational vehicles. These policies offer coverage tailored to the specific needs and risks associated with these types of vehicles, ensuring that you can enjoy your adventures with peace of mind.

Why Choose Specialty Products Insurance?

Whether you're hitting the open road on your motorcycle, cruising the waterways in your boat, or traveling cross-country in your RV, specialty insurance covers more than just the basic liability or collision damage. For example:

  • Boats: Covers risks like damage from storms, theft, or mechanical failure.
  • Motorcycles: Offers protection against accidents, liability, and custom upgrades.
  • RVs: Ensures coverage for both the vehicle and the personal belongings stored within.

Key Benefits of Specialty Products Insurance:

  1. Customized Coverage: Each type of vehicle has its own set of risks, and specialty insurance addresses them specifically.
  2. Enhanced Protection: Beyond standard insurance, specialty policies often include accessories, gear, and vacation coverage.
  3. Peace of Mind: With specialized coverage, you’re safeguarded against unforeseen circumstances, allowing you to fully enjoy your hobbies and adventures.

How to Get Specialty Products Insurance

If you own a boat, RV, or motorcycle, or are considering purchasing one, a specialty products insurance policy provides the necessary protection tailored to your unique needs. Reach out today to discuss your options and get a customized quote.

What Is Events Insurance?

Events insurance provides protection for a wide range of events such as weddings, parties, corporate gatherings, and more. It offers coverage for the unforeseen risks and liabilities associated with hosting events, ensuring peace of mind for both event organizers and attendees.

Why Choose Events Insurance?

Events can be filled with unpredictable circumstances, and having proper insurance coverage can mitigate potential financial loss. Whether it’s liability coverage, property damage, or cancellation due to unforeseen circumstances, events insurance offers tailored protection for a variety of scenarios.

Key Benefits of Events Insurance:

  1. Liability Coverage: Protects against third-party injuries, property damage, or legal claims.
  2. Cancellation or Postponement: Covers expenses related to event cancellations due to natural disasters, emergencies, or other unforeseen events.
  3. Venue Damage: Provides financial support for damage caused to rented venues or event locations.

Customizable Coverage

Events insurance can be tailored to fit the needs of different types of events, including:

  • Weddings
  • Corporate events
  • Fundraisers
  • Concerts
  • Private parties

How to Get Events Insurance

If you're planning an event, securing events insurance ensures that you’re protected from a variety of risks, allowing you to focus on creating memorable experiences for your guests. Reach out today for a customized quote and comprehensive coverage.

What Does Rental Property Insurance Cover?

Depending on the policy you choose, your coverages will vary. Here are some of the most common protections included in rental property insurance:

Property damage — Covers the physical structure of your rental property against risks like fire, storms, vandalism, and certain types of water damage.

Liability protection — Helps cover legal and medical costs if a tenant or visitor is injured on your property and you are found responsible.

Loss of rental income — If your property becomes uninhabitable due to a covered event, this coverage can help reimburse you for lost rental income during repairs.

Personal property coverage — Protects any items you own that are used to maintain the rental, such as appliances, tools, or lawn equipment (note: this typically does not cover tenants’ belongings).

Optional additional coverages — Depending on your situation, you may want extra protection, like flood insurance, umbrella liability policies, or coverage for tenant-caused damage.

There may be other options available based on the type of property you own and how you rent it out. Be sure to ask our team about tailoring a policy to fit your specific needs.

Protect Your Investment
Whether you own a single rental unit or a portfolio of properties, we can help you find coverage that keeps your investment secure. Contact us today to start the conversation or request a quote.

What Does Shore and Coastal Vacation Home Insurance Cover?

Vacation homes located near the coast face unique risks — and insurance for these properties helps protect your investment against the unexpected. Here are some of the most common coverages:

Property damage — Covers damage to your home from risks like hurricanes, windstorms, fire, theft, and vandalism.

Liability protection — Helps cover costs if someone is injured on your property or if you are held responsible for property damage to others.

Loss of use — If your vacation home is damaged and can't be rented or used, this coverage can help reimburse you for lost income or additional living expenses.

Personal property coverage — Protects your belongings inside the home, such as furniture, electronics, and appliances.

Flood insurance (optional but highly recommended) — Standard homeowners policies often exclude flood damage, so a separate flood policy is critical for coastal properties.

Windstorm coverage (optional) — Depending on the location, you may need additional coverage specifically for wind and hurricane-related damage.

Every shore or coastal home is different, and your policy should reflect your property's unique risks. Talk to our team about customizing the right protection for your home.

Keep Your Getaway Protected
Your vacation home is a place to create memories — make sure it's properly covered. Contact us today to explore your options and get a personalized quote.