Can I have more than one car on my auto policy

Posted on by admin

Having a family of drivers can be a challenge. As your children become teens and get to the age where they will be getting drivers lessons and eventually their licenses, you may start to be concerned about how this will affect your auto insurance policy. Without a doubt, it will affect the rate you will pay for auto insurance, but can you add additional cars and drivers to your auto policy? Having an insurance agent whom you trust can make the whole process a lot easier. In Milford, PA, RH Worthington Group is the go-to agency. 

The answer to "Can I have more than one car on my auto policy" is yes! How many autos you can have varies from one carrier to another, however. Most families these days have at least two cars, but if you have several children, it could go as high as four or five. The number of drivers will also rise, maybe even higher than the number of cars. Not every carrier will be okay with these numbers. 

Choosing the right carrier is vital in these situations. If you have a carrier whom you prefer who doesn’t allow the number of cars or drivers you need on one policy, some of them will issue a secondary policy at a significantly reduced rate so they can work with you. 

The good news is we are independent agents, and we work for you, not one carrier. We have top carriers we can shop, and we can find the best coverage for your particular situation and at a price that works for you. At RH Worthington Group in Milford, PA, families are our business and your family in particular. If you have questions about auto insurance that we can help you with, give our office a call to talk to our team. 

Why should a business in Milford get commercial insurance?

Posted on by admin

Those that are interested in owning a small business should consider coming to the Milford, PA area. If you choose this area of Pennsylvania to start your business, you can benefit in several ways and enjoy a lot of success. At the same time, it is vital that you protect your organization. One of the best ways to do this is by getting a commercial insurance policy. There are several reasons that a business should get this coverage.

Required by Stakeholders

One reason that you may want to get an insurance policy for your Milford business is that your stakeholders could require it. A company is likely going to have insurance obligations that are set forth by their landlord, investors, and lenders. It is vital that you understand what your obligations are and follow the rules and regulations.

Gives Valuable Coverage

Businesses should also get insurance due to the valuable coverage it can provide. A business owner can receive business property insurance and liability insurance through their policies. Both of these forms of insurance coverage can help to ensure that your company will remain solvent if an accident or other form of loss occurs. 

When you are a business owner in the Milford, PA area, it is crucial that you get a quality commercial insurance policy. However, picking one of these policies can be quite complex. Due to this, it is imperative that you receive the support you need when choosing a policy. The team at the RH Worthington Group can help you to pick a policy that adequately protects your organization. The RH Worthington Group is able to do this by assessing your business needs while also answering any of your questions to ensure you make the right decision for your company. 

Things to Consider When Shopping for Home Insurance

Posted on by admin

If you are buying a house, home insurance is a must. It does not only protect you and your home, but it is also a requirement of most mortgage lenders, which means that you cannot get a loan without home insurance. Choosing proper coverage for your home is a challenging task, especially if you have never done it before. In order to help you to make the right choice, RH Worthington Group serving Milford, PA has prepared a list of things you need to consider when shopping for home insurance: 

Specifics

The basic components of home insurance are contents, building, and liability. However, you also need to know the specifics of the particular policy. There are certain inclusions that you may want to add to your policy, but you should be aware of higher premiums. The most common and needed inclusions are damage from natural disasters, earthquakes, mold, flooding, and some others. Some of these specifics do not cost much but may be helpful. 

Deductibles

A deductible is a certain amount of money specified in the policy that you will have to pay out of pocket first, before your insurance kicks in. Deductibles are usually negotiable and can vary greatly. The higher your deductibles are, the less you have to pay for your home insurance. If you do not want to spend a lot out of pocket in case something happens, then the lower deductible with a higher premium might be an excellent option to consider. 

All The Details of The Policy

Make sure you understand well all the terms and conditions of your particular policy. Do not sign any agreement until you read everything carefully. If you have any questions, do not hesitate to talk to your insurance agent, who will provide you with all the information you need. 

If you are a resident of Milford, PA, or any other neighboring town and you are shopping for home insurance, here is the company that you can trust – RH Worthington Group. Our experienced and highly qualified insurance specialists are ready to help you to find the best coverage and answer all the questions you may have. Give us a call today to discuss the options available and get protection for your dwelling.