Everything important. All covered under one roof.

The local customer service team at Warren Weiss Agency in Quakertown is your best resource for rate shopping. Here are some key things we’ll help you consider when comparing auto insurance prices:

• Coverage: Make sure you’re comparing quotes that offer the same level of coverage. Compare apples-to-apples coverage types such as collision, comprehensive, liability, and uninsured motorist coverages.
• Deductibles: Your deductible is the amount you pay out of pocket before your insurance kicks in. Higher deductibles typically mean lower premiums, but in the event you need to file a claim, you’ll need to be prepared to pay more upfront.
• Discounts: Many insurers offer discounts for things like good driving records, taking defensive driving courses, insuring multiple vehicles, or being a safe driver (low mileage, no accidents).
• Financial Strength of the Carrier/Agent: Look for a company with a good reputation and strong financial stability to ensure they can pay your claim if needed. Warren Weiss Agency has operated continuously in Quakertown for nearly a century and continues to run today as a third-generation family business. Our preferred carrier, ERIE, is among the most reputable in the industry.

Incidentally, while price is important, it shouldn’t be the only factor. Consider these additional elements:

• Customer Service: Look for a company with a reputation for excellent customer service, especially claims handling. Warren Weiss Agency, based locally in Quakertown, is just a call, click, or short drive away. ERIE, our preferred carrier, is good at paying claims compared to the average insurance company, according to a 2023 J.D. Power claims satisfaction survey.
• Local Agent vs. Direct Insurer: Having a local agent like Warren Weiss Agency can provide personalized service and advocacy if you need to file a claim.

Warren Weiss Agency can help you compare quotes, understand coverage options, and find the best possible price for your auto insurance needs. Contact us today!

Here’s a breakdown of Pennsylvania’s auto insurance requirements:

• Minimum Liability Coverage: Pennsylvania requires all drivers to have minimum liability insurance coverage. The law says that you must carry insurance that covers injuries and property damage you cause to others in an accident. The minimum required limits are:
  • $15,000 for injury or death of one person in an accident.
  • $30,000 for injury or death of more than one person in an accident.
  • $5,000 for damage to the property of another person.
• First-Party Benefits (FPB): Pennsylvania also requires drivers to purchase First-Party Benefits (FPB), which covers medical expenses for you and your passengers in the event of an accident, regardless of fault. The minimum FPB requirement is $5,000.
• Uninsured/Underinsured Motorist Coverage (UM/UIM): While not mandatory, Uninsured/Underinsured Motorist Coverage (UM/UIM) is highly recommended. This protects you in case you’re in an accident caused by a driver with no insurance (uninsured) or not enough insurance (underinsured) to cover your damages.

Remember, having the minimum required insurance is just the starting point. At Warren Weiss Agency, we can help you understand your auto insurance options and ensure you meet Pennsylvania’s minimum requirements. We can also explore additional coverage options, like UM/UIM, to fit your specific needs and budget.

• Safety Improvements: Upgrades that reduce the risk of fire, theft, or weather damage are often rewarded by insurance companies. Examples include replacing an old roof, upgrading your electrical wiring or plumbing, or installing a security system.
• Lower Replacement Cost: In some cases, improvements that decrease the cost to rebuild your home in case of a major loss can also lead to lower premiums. For instance, if you replace your roof with a more durable material, it might lower the overall insured value of your home.

Keep in mind, not all improvements qualify:

• Cosmetic Upgrades: Renovations that focus mainly on aesthetics, like remodeling your kitchen or bathroom, generally won’t affect your premium.
• Increased Dwelling Value: While some improvements can lower replacement costs, extensive renovations that significantly increase your home’s value might raise your premiums because the overall coverage amount would increase.

Here’s how Warren Weiss Agency can help:

• Advise on Qualifying Improvements: We can discuss your specific situation and advise you on which home improvements might qualify for discounts on your ERIE or other carrier homeowners insurance policies.
• Get Quotes from Carriers: We recommend getting quotes from Warren Weiss Agency to see how specific improvements might impact your premiums.

It’s always best to check with your insurance provider before making any major renovations to understand how it might affect your coverage and costs. Contact a Warren Weiss Agency specialist today to discuss your options!

In most cases, you’ll need to have homeowners insurance in place before you can close on your new house. Here’s a breakdown of the timeline:

• Offer Accepted: Once your offer on a house is accepted, you’ll likely enter into a contract with the seller. This contract will typically outline a closing date, which is the day ownership of the house officially transfers to you.
• Mortgage Lender Requirements: If you’re financing your home purchase with a mortgage, your lender will almost certainly require proof of homeowners insurance as a condition of the loan. This ensures the property is protected in case of unforeseen events.

Here’s what this means for you:

• Start Shopping Early: It’s wise to start shopping for homeowners insurance as soon as your offer is accepted. This gives you time to compare quotes from different insurers and find the best coverage at an affordable price. Local agencies like Warren Weiss Agency can help you explore options with ERIE or other carriers.
• Proof of Insurance by Closing: Typically, you’ll need to provide proof of homeowners insurance to your lender and the closing agent at least a few days before closing. This proof may come in the form of a binder or confirmation from your chosen insurance company.

And finally, here’s how Warren Weiss Agency can help:

• Get a Quote Quickly: We can get you a homeowners’ insurance quote quickly and efficiently, so you can focus on the other aspects of closing your house.
• Find the Right Coverage: We’ll help you understand your coverage options and ensure you have the right protection for your new home.
• Meet Closing Deadlines: We’ll work with you to ensure you have the necessary proof of insurance to meet your closing deadlines.

Remember: Don’t wait until the last minute to get homeowners insurance. By starting the process early, you can avoid any unnecessary stress during the closing process of your new home. Contact a Warren Weiss Agency specialist today to discuss your homeowners insurance needs!

There are several reasons why your homeowners insurance premium might have increased. Here are some of the most common factors:

• Rising Costs of Repair and Replacement: The cost of materials and labor for repairs and replacements has been rising in recent years. Insurance companies factor these increasing costs into their premiums to ensure they have enough money to cover claims.
• More Extreme Weather Events: The frequency and severity of weather events like hurricanes, tornadoes, and wildfires have been increasing. Natural disasters lead to more insurance claims, which can cause insurance companies to raise rates to stay solvent.
• Changes to Your Property: If you’ve made renovations or improvements to your home that increase its value, your insurance coverage amount might need to be adjusted, potentially leading to higher premiums
• Age of Your Home: Older homes may require more maintenance and repairs, which can be reflected in higher premium
• Claims History: If you’ve filed any claims in the past few years, even if they weren’t your fault, it could increase your premiums as you’re now considered a higher risk.
• Inflation: General inflation can also affect insurance premiums over time.

If you’re concerned about your home insurance premium increase, contact a Warren Weiss Agency specialist today. We can help you understand the reasons behind the increase and explore ways to potentially lower your costs. We’ll:

• Review Your Coverage: We can review your current homeowners insurance policy with you and see if there are any ways to adjust your coverage to potentially lower your premium. This might involve increasing your deductible or removing unnecessary coverages.
• Shop Around for Quotes: Even if you’ve been happy with your current insurer, it’s always a good idea to shop around for quotes every year or two. We can help you compare rates from ERIE and other carriers to see if you can find a better deal.
• Identify Discounts: There may be discounts available that you’re not currently receiving. We can help you identify potential discounts you might qualify for, such as those for bundling your home and auto insurance, having a security system, or being claims-free for a certain period.

You can either call us or even better set up an online account at www.erieinsurance.com and have the answer 24 hours a day.