Gooood Morning!!! Its a lovely day for a cookie! (well, I guess thats every day!)

Today we have Chocolate Chip cookies for our friends. 

If you would like to make them at home, here is our recipe. 

So stop in for a few cookies, and while you are here, why not sit down and review your PA insurance policies?  We would love to make sure you are getting the best coverage possible.  Can’t make it in?  Give us a call at 215-757-0816. 

Hello Webbloggers!

It is Cookie Wednesday again!  Gives us something to look forward to this time of year! 

Sue and Eileen made a cookie that should make you look forward to summer and the tropics- White Chip Island Cookies….YUMMMMM 

To recreate this awesome cookie, here is what you need.   

Come in to the office to try our sample! We are in Langhorne Boro and encourage everyone to stop by and say hello! 

We would love to earn your business.   Why not contact us through our website at www.websterins.com and request a free quote?  Or call us anytime at 215-757-0816.  We specialize in Pennsylvania home and Pennsylvania auto insurance, and also offer Pennsylvania business insurance.  Give us a call or click today! 

Fresh Baked cookies every Wednesday!  Stop in for a Peanut Butter Cookie (one of my favorites!!) tomorrow.

YUM, don’t they look good?!  Sue will be baking these delicious cookies, with the help of Eileen, our Commercial Lines Manager. 

Here is her recipe if you want to try to make them too.

 We would love to have you for a cookie and a cup of coffee- try our Pumpkin Spice coffee! While you are here, we would love to review your insurance.

Need Directions?  Check our website at www.websterins.com.  Or visit our Facebook page.

Webster Insurance Agency, beginning this week, and continuing until further notice will have a Cookie Wednesday event for our clients and fans. Everyone is welcome to stop by for some famous Chocolate Chip cookies made by Sue, our owner’s wife, and Eileen our Small Business Insurance customer service agent. We are adding cookie selections everyday so if you want a special cookie,  let us know. Want a copy of Sue’s recipe then click here.

While you are here sharing our cookies, why not review your Pennsylvania Auto Insurance to see if we can save you more money.  Are you happy with your current agent? Then why not see if we can assist you with your pa insurance.

Visit us on the web at www.websterins.com.  Or call us for a second opinion on your insurance at 215-757-0816. 

The following are some frequent questions and comments about insurance I have heard throughout the years that may or not be true.

MYTH:If I have a homeowner’s claim my insurance company automaticly cancels my insurance. 

FACT:It depends on many things. The size and severity of the claim, how many years you have been with the company and other factors all contribute to whether or not you may be non-renewed by the company.

MYTH:I have a red car, does that make my automobile insurance more expensive? 

FACT: The color of your vehicle plays no role in the pricing of your automobile insurance. In fact, we don’t know what color your car is. Some factors that will affect your automobile insurance are the age of your vehicle, the make, model and if you have an alarm.

MYTH: I am a sole proprietor and do not need workers compensation in PA.

FACT: The second someone other than you is working you absolutely need workers compensation insurance. Whether or not you are a sole proprietor or a corporation, and it is required in the state of Pennsylvania  that any employee be covered by workers compensation. Even a family member working for you has to be covered.  If you do not have worker compensation, you can be fined  for every day you dont have coverage.  

Also, sole proprioters CAN get Workers compensation insurance in recent years.  Parterships & LLC’s will be eligible as of August 29, 2011.

 MYTH: All I need to carry is the state minimum in insurance.  (15,000/30,000 in Bodily Injury, $5,000 property damage)

FACT:  This is OK if you have enough money to pay the perosn that you hurt in your at fault accident! 

What if you get in an accident and a whole family is hurt and they are driving a $75,000 Mercades Benz?   Your policy is only going to pay a maximum $30,000 for the family’s injuries, and $5,000 their totalled Benz.  And when they sue you, who’s pocket is the rest of that money coming from?  You guessed it!  YOU!   This can be a burden on you for the rest of your life.  

For this reason, we do not write the state minimum.  We actually CARE about you. 

MYTH: You can’t buy flood insurance if you’re in a high-flood-risk area.
FACT: If your community participates in the National Flood Insurance Program (NFIP), you can buy National Flood Insurance no matter where you live.

MYTH: Homeowners insurance policies cover flooding.
FACT: Most home and business “multi-peril” policies do not cover flooding. Homeowners can include personal property coverage in their NFIP policy, and residential and commercial renters can purchase flood coverage for their contents. Business owners can buy flood insurance coverage for their buildings, inventory and contents.

MYTH: I bought “full coverage” so everything’s paid for.

FACT: There is no such thing as “full coverage.” In PA, only liability insurance is mandatory. There are a lot of other coverage options out there, so select what you need and can afford based on your personal situation.  Full coverage typically means you carry Comprehensive & Collision.  This does not mean Full Tort, Rental reimburstment and towing & labor/Roadside assistance.  These are all separate coverages and listed individually.

MYTH:  If I lend my car to someone and he/she crashes it, I’m covered.

FACT: Not so fast. If you or your friend don’t have optional physical damage coverages, damage to your vehicle generally won’t be covered.

Got questions? Contact us, who knows maybe your question will be our next blog post.