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Why The Polar Vortex Should Have You Thinking About Your Homeowners Insurance

The holiday season may have come and gone, but the weather has remained quite frightful across the country as state after state deals with the residual effects of last week’s Polar Vortex storm. As a direct result of last week’s nationally awful weather, many insurance companies have already seen or expect to see an increase in the number of insurance claims made because of the damages caused by this year’s winter storms.

Last week highlighted that while there are things you can do to prevent major damage to a home in the cold, when extreme weather strikes, even the most prepared of us are at risk for winter weather-related problems in our home; once those accidents or disasters strike, we’ll often find ourselves looking to our insurance plans for help and assistance.

In the case of winter weather, we must rely heavily on policies such as our homeowners insurance, which protects our private property and offers financial assistance when something disastrous happens to said property. A typical homeowners insurance policy will cover damage to a home (and other structures) if the damage was caused by falling trees, wind, or frozen pipes. If heavy snow causes a roof, porch or other structure on the property to collapse, then that damage is often covered as well.

However, as with any insurance policy, depending on what exactly is listed as covered, some damages may not actually be covered by your policy. As highlighted on MSN.com, a few situations that are usually not covered include pipes that have burst as a result of the property owner taking no precautions, seeping water or snow, and damage as a result of backed up storm drains.

So what can a homeowner do to keep these situations from becoming a problem this season? In addition to weatherproofing their home to prevent prevent major damage, as well as taking other winter weather precautions where necessary, homeowners should know exactly what their homeowners policy covers. That’s why the staff at our very own Johnstown-based the Fisher Widmann Flick Insurance Agency (F.W.F Insurance Agency), as well as at our partner Safeco Insurance, are urging you to schedule an appointment now to have your homeowners insurance policy reviewed before another winter storm terrorizes your area.

Work with staff at one of our two companies, and we promise that you’ll leave knowing exactly what is covered in your home and what is not. Plus, if you’re unhappy with your homeowners insurance after speaking with us, we’re happy to work with you to help you find an affordable but still comprehensive insurance plan that won’t leave you out in the cold during this very chilly season.

So whether you’re located in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties, we’re ready to work with you! Contact us now to set up a meeting with one of our local representatives in central Pennsylvania! Our representatives will use their connections to 15 other major insurance companies, like Safeco, to ensure that your homeowners policy is just what you need to protect you from damage caused by severe weather this winter.

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Why Even Low-Risk Area Residents Should Consider Flood Insurance

As the state of Pennsylvania prepares for weather forecasts ranging from snow to cloudy to pouring rain, we want to take the time to urge all homeowners to evaluate how protected they would be in the case of a flood.

Each year, flooding is caused by heavy rains, melting snow, inadequate drainage systems, failed protective devices such as levees and dams, and tropical storms and hurricanes. While people living in the areas most likely to experience a flood are legally obligated to purchase flood insurance, lower-risk areas are often left believing that they don’t need flood insurance at all.

The reality, though, is that the Federal Emergency Management Agency (FEMA) recommends that even houses in low flood risk areas have flood coverage. This is because – as highlighted by stats on FloodSmartnearly 25% of all flood losses occur in low-to moderate-risk zones.

This means that while some areas are at a higher risk than others, the truth is that in the United States, everyone lives in a potential flood zone – floods and flash floods can happen in all 50 states, in any area, at any time. And they do occur more often than we might realize; statistics from the National Flood Insurance Program (NFIP) reveal that within an average 30-year mortgage timeline, a homeowner has a 9 percent chance of making a claim for fire damage, compared with a 26 percent chance of making a flood damage claim.

But despite the risk of flooding across the nation, and although it only takes one-inch of water to potentially cause thousands of dollars in damages, the majority of homeowner insurance policies don’t cover flood damage at all. This means that for many people living outside of high-risk zones, a single faulty drainage system or heavy downpour could potentially result in massive out-of-pocket expenses.

So this year, as the snow begins to melt and the rain begins to roll in, be prepared: make sure that you’re not left to pay for these potential damages out of pocket should disaster strike. And if flood insurance is a new area for you, then we strongly encourage you to schedule a personal assistance meeting with one of our Fisher Widmann Flick Insurance Agency staff or representatives.

We are all specially trained and ready to help evaluate your policy options to ensure that what you select will keep you on your feet in the event of flooding. Whether you’re in Johnstown or any other area in central Pennsylvania – and whether you need an entirely new policy or to update the one you already have – we’re here to help you. Our representatives in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties are all ready to work with you so that you can go about your day knowing that in the event of the unusual, your insurance will keep you high and dry.

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This Year, Resolve To Go Beyond Basic Auto Insurance Coverage

A new year is a time for self-reflection and positive changes. While many do not consider their insurance policies as something that they could change to contribute to a better 2014, our team here at the Fisher Widmann Flick Insurance Agency encourages you to think otherwise this year.

Just one example of something you could change for the better in 2014 might be your car insurance – particularly your liability coverage. Auto insurance liability coverage is often put to the test during the winter, when ice, snow and slush turn roads into obstacle courses. In fact, while statistics show that August is overall the most dangerous time of year to drive, the winter months are still incredibly dangerous, as both nonfatal-injury and property-damage-only car crashes increase significantly when it snows, according to the American Journal of Public Health.

So just how likely is it that your area might experience dangerous road conditions due to the weather, and what sorts of risks might you face when driving in the winter? Well, consider these statistics from the Federal Highway Administration:

-Over 70 percent of the nations roads are located in snowy regions, which receive more than five inches (or 13 cm) average snowfall annually. Nearly 70 percent of the U.S. population lives in these snowy regions.

-Snow and ice reduce pavement friction and vehicle maneuverability, causing slower speeds, reduced roadway capacity, and increased crash risk. Average arterial speeds decline by 30 to 40 percent on snowy or slushy pavement. Freeway speeds are reduced by 3 to 13 percent in light snow and by 5 to 40 percent in heavy snow. Heavy snow and sleet can also reduce visibility. Lanes and roads are obstructed by snow accumulation, which reduces capacity and increases travel time delay.

-Each year, 24 percent of weather-related vehicle crashes occur on snowy, slushy or icy pavement and 15 percent happen during snowfall or sleet.

Statistics like those are exactly why we’re encouraging everyone to take the time this month to complete one simple New Year’s resolution: check and ensure that your auto insurance offers more than basic liability coverage.

 Liability car insurance, which covers what happens to the other driver’s vehicle in a crash where you are at fault, is so important that it’s required in most states. Typically, liability insurance is most often offered in two categories: bodily injury liability (which assists with medical bills and lost wages in an accident) and property damage liability (which offers help when paying for damage a property sustains during an accident).

Not all auto liability coverage is created equally, though. Often, liability policies don’t even cover other major expenses that can be incurred during an accident. For example, basic liability coverage rarely offers damage coverage for your own vehicle – and only covers damage to the other car! It also often does not cover damage caused to you or your possessions by an uninsured driver, or comprehensive coverage of medical expenses incurred as a result of an automotive accident; instead, it offers a fixed amount of money that may or may not be enough to keep you from paying a lot out of pocket.

In short: if you get into a serious accident with basic liability coverage, you may find yourself paying for some or even all of the major expenses and claims that result from that accident all by yourself – and that is always more expensive than the cost of comprehensive insurance plans. That’s why we don’t believe that it’s worth the risk of owning basic liability auto insurance. After all, that car you bought was an investment. Surely it – and you – deserves the best protection possible, especially during this dangerous season.

This year, make it your goal to supplement or even replace your basic liability policy with comprehensive coverage that goes beyond the state’s minimum requirements. If you’re not sure where to get started, don’t fret: our staff is ready to help you evaluate your policy options to ensure that what you select offers adequate coverage that will truly protect you should you experience troubles on the road. We offer personalized assistance and have numerous local contacts across the state ready to help you at a moment’s notice. We also have connections with 15 major insurance companies, including our newest partner, Safeco Insurance, a Liberty Mutual-owned company that will work with our team to ensure that your liability insurance goes beyond the basics.

Remember, whether you’re in Johnstown or any other area in central Pennsylvania, and whether you need an entirely new policy or to update the one you already have, we’re here to help you. Our representatives in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties are all ready to work with you so that you can continue driving with peace of mind during this wonderful, but risky, time of the year.

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If Your Business Serves Alcohol, Invest In Liquor Liability Insurance

Working in a restaurant presents a unique set of challenges to the involved employees and business owners alike, especially if the restaurant serves alcohol. Introducing alcohol into any environment can potentially create a bad situation, either due to fighting or even due to medical emergencies caused by drinking too much.

Due to the risks involved with drinking, restaurants, bars and taverns that serve it are always advised to invest in liquor liability insurance, which is a type of business insurance that would protect the restaurant (or bar or tavern) against any claims made by a patron who became intoxicated and injured themselves or anyone around them. These sorts of claims are not covered by standard liability policies, which is why liquor liability insurance is recommended as an investment not only to restaurants that serve alcohol, but to any businesses that sells, serves or facilitates the use or purchase of alcohol.

Often, restaurants are given two options when purchasing this insurance: to add it on to a commercial liability policy, or to purchase it as a separate policy. No matter which option is chosen, there are five things that any good liquor liability insurance policy should cover:

-Assault and Battery Coverage – The typical claim made against a bar or restaurant stems from a fight that occurred as a result of drinking; as such, a solid liquor liability insurance policy should always include coverage for assault and battery claims.

-Defense Costs Included – If a restaurant faces any claims as a result of serving alcohol, the greatest expenses as a result of these claims usually result from using a lawyer to defend against the claims. Needless to say, since legal fees are incredibly expenses and any business deserves to get skilled legal counsel, it’s best to pass over any insurance policy that does not include defense costs.

-Employees Included – A good liquor liability insurance policy will include employees as patrons, because as experienced restaurant owners know, no rules will stop the determined rule-breaker amongst your staff from enjoying a drink or two on the job. Both you, and your insurance policy, should be prepared for potential trouble because of this.

-Damage Definition Includes Mental Damages – While assault and battery charges are the most common claim made against a bar or restaurant, other claims include charges that patrons were damaged emotionally or psychologically. The right liquor liability insurance policy will include these claims in the damages that policy covers.

-Reduced Premiums Based on Safety and Claims – Finally, it’s also recommended to look for an insurance group that offers things like free classes and training to their policy holders, as well as offers discounts on premiums for undergoing training and having a clean claim record.

While many restaurants avoid purchasing liquor liability insurance, not investing in this insurance is a major gamble. Sometimes it just takes a single suit to potentially bankrupt a restaurant or bar. This isn’t a risk any business owner should take, especially if they live in states with “dram shop” laws, which legally hold bars and restaurants liable if they knowingly over-serve a visibly intoxicated patron who goes on to injure another person; Pennsylvania is one of those states.

So with New Years celebrations just around the corner, now is the time to talk to one of our Fisher Widmann Flick Insurance Agency staff members (F.W.F Insurance Agency) to either evaluate or find your liquor liability insurance. Contact our staff now to set up an appointment! Whether you’re in Johnstown or any other area in central Pennsylvania, and whether you need an entirely new policy or to update the one you already have, we’re here to help you. Our representatives in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties are all ready to work with you so that you can continue operating with peace of mind during this wonderful, but risky, time of the year.

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10 Important Safety Tips To Remember During The Holidays

December in America is a time of tradition and celebration, thanks to the three major holidays that take place throughout the month. This year, with Hanukkah already at a close, Christmas and Kwanza are looking to steal the spotlight for the remainder of the year.

Despite their differences, all three of these holidays share common elements: the use of lights and fire. As a result of holiday traditions that use these items, our holiday celebrations can pose a real danger if not practiced safely. Consider these statistics:

-Each year ERs across the nation treat around 12,500 people for injuries related to the set-up and use of holiday lights, decorations and Christmas trees, according to the U.S. Consumer Product Safety Commission (CPSC). These injuries usually result from falls from stepladders or roofs, cuts, or shocks from faulty electric equipment.

-The CPSC also warns that candles start about 11,600 fires each year, resulting in 150 deaths, 1,200 injuries and $173 million in property loss.

-Finally, Christmas trees are involved in about 300 fires annually, resulting in 10 deaths, 30 injuries and an average of more than $10 million in property loss and damage. Causes of these fires often range from short-circuiting to damaged cords or plugs.

We want to ensure that all of us can enjoy the holidays safely – plus, good fire and electric safety practices are the key to keeping your property and casualty premiums low. Due to this, we’ve put together a list of ten tips that you can use to protect your home during the holidays; these are also tips that any business that has decorated for the holidays can follow:

1. Before putting up any holiday lights, review their packaging for the mark of a recognized testing lab to make sure that they have been tested and meet safety standards. Also, since there are different lights for indoor and outdoor use available on the market, it’s good to double check and make sure that you’re using the proper light sets in each area.

2. Before using your lights, check them over for broken or cracked sockets, frayed or bare wires, or loose connections. Be sure to throw out damaged sets and to replace any burned-out bulbs.

3. Check your extension cords and be sure that you’re not overloading them; a good rule of thumb is to use no more than three standard-size sets of lights per single extension cord.

4. If you buy a real tree for Christmas, ensure that you buy a fresh one – this means looking for a tree that’s green, sticky with resin, and that does not lose too many needles when tapped against the ground. Once this tree is in your home, be sure that it’s set up far away from heat sources like fireplaces and radiators (and do not light any candles near the tree!). Give it plenty of water to keep it from drying out as long as possible (and dispose of the tree as soon as it begins dropping lots of needles, as this is a sign that it’s becoming even more flammable).

5. Check that the items you use to trim your tree are made from non-combustible or flame-resistant materials.

6. If you buy an artificial tree, make sure that it’s fire resistant; note that while this does not make the item fire proof, it does lesson the chances of a fire starting (and should a fire start, it’s likely to extinguish quickly).

7. Never use lights on a metallic tree, as faulty lights can create a charge that could electrocute someone who touches a branch on the tree.

8. Do not put a tree up in front of a door or in a busy hallway, as this can cause an accident or even block an emergency exit in unforeseen situations.

9. Always double check that candles have been extinguished when no one is in a room or when you to go bed. Additionally, always turn off all of your holiday lights, from the ones outside to the ones on your tree (fake or real) when you go to bed; a single short in a light circuit or candle accidentally falling over can easily result in a fire.

10. If you open presents and have a fireplace, do not burn any wrapping paper in the fireplace; since wrapping paper can ignite quickly and burn intensely, a flash fire could develop right before your eyes.

Tips like these should be added onto the safety procedures we recommended using during Thanksgiving, since safety guidelines for cooking and keeping guests out of harm’s way should also be taken in account during December celebrations. Remember: taking these precautions will go a long way in protecting your friends, family, and your property during the holidays, allowing you to truly enjoy this most wonderful time of the year.

Our Fisher Widmann Flick Insurance Agency staff all wishes you a Merry Christmas and happy holidays. Stay safe!

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EMC’s Light Manufacturers Program Truly Protects What You Build

These days, working in the manufacturing industry is no small feat. Not only do even the smallest of manufacturing businesses usually face a massive workload, but the manufacturing industry has a very unique set of challenges – as well as a unique set of risks – that business owners and staff must deal with and address on a daily basis.

These risks are why manufacturers, like any other business, need comprehensive insurance policies in place to protect against a worse case scenario work accident. The challenge, however, is that in many cases, what might be a comprehensive policy in another field could just be the beginning of what a manufacturer needs.

For example, like any business, manufacturers need property insurance that offers additional protection for the company’s building location, inventory, and valuable manufacturing equipment. However, manufactures must then take care when evaluating their liability insurance – which, while a staple of many business plans, often needs to be more comprehensive for a manufacturer; after all, manufactures need to ensure that they have protection in place to help them deal with problems such as product recalls, customer complaints and claims regarding serious injury and illness, or equipment breakdowns.

Our staff here at the Johnstown-based the Fisher Widmann Flick Insurance Agency (F.W.F Insurance Agency) understands that if you own a manufacturing business, then you truly do need a comprehensive, personalized policy – one that covers all of your needs, and not just the basics. We also understand that due to the demands and risks placed on the businesses in your industry, there is a need for manufacturers of all sizes to make sure that precautions are in place to minimize the risks their staff face every day.

That’s why for manufacturers, we can’t think of anyone better than EMC Insurance to protect your business. Where EMC excels is the ways it will go above and beyond for the businesses under their care; in fact, EMC offers both coverage and prevention strategies through their incredible commercial insurance programs.

We are especially fond of their Light Manufacturers Program, which was specifically designed to help businesses that work with metal goods, wood products, furniture and fixtures, plastic or rubber products, textiles, and electronic equipment and accessories. EMC offers a multitude of benefits to manufacturers in this comprehensive insurance program, including:

-Property coverage for your building and personal property

-Auto coverage for your commercial vehicles

-Liability coverage to protect your business from things like product or operations liabilities

-Umbrella coverage, offering extra financial help in the face of a catastrophic issue

-Worker’s comp to assist with medical expenses and wage compensation, as well as employment practices liability coverage in the case of employment discrimination or wrongful termination charges

-A series of additional coverage bonuses that can help address any expenses associated with brands, labels, deferred payments or contractual penalties, as well as offer additional protections against things like financial damage as a result of a manufacturing error or data security compromise

-Free “less control services” that address concerns such as slip-and-fall prevention, injury management services, and safety training procedures 

With a thorough list of coverage like that, it’s safe to say that EMC ensures that when you have coverage, you’re truly covered. So if you’re involved in the business of making products, then please contact us now to set up a meeting with one of our local representatives in central Pennsylvania and ensure that you’re protecting what you’re building.

Whether you’re located in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties, we can help you get in touch with EMC Insurance’s independent agents and can make sure that you get great coverage, extensive loss control resources, expert claims knowledge and local service through your independent insurance agent.

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Sail Smoothly Through The Winter With The Right Boat Insurance

As the air grows chillier and the holidays are approaching, most of Pennsylvania’s proud boat owners have already placed their beloved watercraft into storage for the winter. With these vessels set to sit indoors for several more months, we urge any and all local boat owners to make sure that in addition to being properly stored, their vessels are properly insured.

Whether you have a bass or fishing boat, a cabin cruiser, a ski boat, a sailboat or pontoon, any boat owner should have a separate policy fully covering their boating needs. Don’t assume that your boat already has coverage through your auto or homeowners policies; this is often not the case, which is why a separate policy for your watercraft is incredibly important. Additionally, with about 20% of all boat claims occurring during the fall and winter months – when boats and watercraft are most susceptible to fire, theft, vandalism, transportation damage, and sometimes even liability issues – having insurance that provides year round, on- and off-water coverage for your watercraft is an absolute necessity.

Our staff at the Johnstown-based the Fisher Widmann Flick Insurance Agency (F.W.F Insurance Agency) believes that if you’re a boat owner, both your time on the water during wonderful weather and your time off during the chilly months should be relaxing and worry free. We understand the importance of having a solid boat insurance coverage plan that ensures you’re protected at all times, not just during the summer months when you and your friends are enjoying a water-side vacation.

Our partner, Safeco Insurance (a Liberty Mutual-owned company), understands this as well. That’s why we’re working together to help you buy the perfect policy to ensure that your vessel, and even some of your boating-related personal effects, will be covered and protected year-round. Work with our staff, and we promise that you’ll be able to find an inexpensive plan for your boat that ensures your vessel, your boating gear, and even your friends and family are covered both on land and in the water, year round; in fact, SafeCo offers high-quality coverage that lasts an entire year, as well as roadside assistance coverage that ensures your boat will also be covered in the event of an emergency tow.

Don’t look at the winter as a time-out from protecting your treasured boat; talk to one our representatives today for personalized advice based on what kind of water vessel and gear you own. Whether you’re located in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties, we’re ready to work with you so that you can plan your next summer by the water knowing that you’ll be covered when you’re ready to set sail, no matter what happens during the off-season.

Contact us now to set up a meeting with one of our local representatives in central Pennsylvania! Our representatives will use their connections to 15 other major insurance companies, including SafeCo, to ensure that your boat’s policy is as comprehensive as possible.

10 Safety Tips To Help Protect You This Thanksgiving

With Thanksgiving just hours away, our staff members are preparing for a wonderful holiday with their families and friends, just like you. As experts in evaluating risk, though, every member of our team understands that this wonderful holiday must also be treated with caution.

This is because Thanksgiving can be just as stressful and even risky as it is joyous; this fact is further highlighted by several Thanksgiving-related statistics:

-More cooking-related home fires occur on Thanksgiving than on any other day – in fact, the number of filed cooking or grease related claims climb more on Thanksgiving than other day in November.

-Thanksgiving is the most popular holiday for travel in the country; more people on the roads, in a rush to reach their destinations, inevitably leads to a higher number of accidents.

-With a number of guests coming into households on this holiday, the number of claims for slips and falls on or close to Thanksgiving is also on the rise.

 We know that it can seem a little daunting at first to think of Thanksgiving, a time of celebration, as a risky holiday. Fortunately, a few simple precautions can help keep you, your family, and your guests perfectly safe this holiday season, allowing you to enjoy yourself without trouble. Here are our top ten safety tips for this Thanksgiving:

  1. As you travel, give yourself some extra time to navigate the traffic. Do not drive recklessly; with more accidents than usual happening on the road right now, you want to keep yourself and your passengers as safe as possible.
  2. If you’re cooking or hosting, be alert as to what’s happening in your kitchen at all times; the last thing you want is for a guest who wanders into the kitchen to accidentally burn themselves on the stove or the pan you just pulled out of the oven.
  3. Check your smoke alarm batteries before you begin cooking.
  4. Use alarms and timers to ensure that nothing stays in the oven too long; then, as you move items in and out of the ovens, watch to make sure that your wrappers, dish towels and other fabrics and flammable items are far away from an ignition source.
  5. While we don’t recommend them due to the danger they pose, if you’re using a fryer, keep it in an open away – never in, on or under things like garages, porches, or other flammable structures near your home – and don’t leave the fryer unattended for any reason. Monitor the temperature of the fryer frequently as well. Never fry a turkey indoors.
  6. Follow the cooking directions; they exist for a reason. For example, you need to completely thaw and dry a turkey before cooking it because partially frozen or wet turkeys can result in hot oil splatters later in the process.
  7. Move slowly when picking up or lowering food; don’t risk splattering hot oil or grease by moving too quickly.
  8. Keep your skin covered to reduce the risk of being burned from any accidental hot liquid splatter – but don’t wear lose, baggy clothing, either: you don’t want your sleeves dangling somewhere they shouldn’t be!
  9. Keep in mind that you are responsible for the well-being of any guest at any age while they are on your property. Make guests aware of any slippery surfaces when they arrive, and remove any potential hazards in your home – from candles to sharp or fragile objects – from immediate reach while you have company.
  10. Keep pets as far away from the Thanksgiving preparations and food as possible. Not only does the kitchen pose a danger should anything hot or heavy fall onto a pet, but our Thanksgiving meals are often dangerous for pets; a lot of the food we eat either can’t be digested, or includes bones, which are major health hazards. Don’t risk the vet visit: keep your pets in a separate part of the house this holiday.

 Following simple safety guidelines like these can help ensure that this holiday, your house is both happy and protected. Should an incident happen, however, both our staff and the local authorities are here to help you through it.

Our Fisher Widmann Flick Insurance Agency staff all wishes you a Happy Thanksgiving. Stay safe and enjoy it!

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No One Home? Insurance For Vacant Buildings And Lots Is A Must

If you own a vacant home or empty plot of land, you probably have big plans for that property; you’ve also probably put up ‘No Trespassing’ signs for the time being. The next question to ask yourself, then, is: have I properly insured my property to protect myself, as well as my big plans for that space?

These days, having insurance coverage for any unoccupied space you own is a necessity. At first, it may seem that an empty plot of land or building would not need insurance if it were not in use, but this is not the case; in fact, because these areas are unoccupied, empty buildings or lots carry their own risks and liabilities.

Image a scenario where locals might see an empty lot as a shortcut on their way to work, or teenagers might see a deserted building as a cool place to hang out. Should anyone fall or hurt him- or herself on your vacant property during their fun, based on current case law, you could be sued for damages, no matter how many ‘No Trespassing’ signs you’ve posted around the area.

The only way to truly protect yourself from a potential liability suit is to make sure your vacant lot has vacant land insurance, or that your empty property has vacant property insurance. Both types of polices are usually very affordable, and both are designed to protect your best interests.

Vacant land insurance was designed specifically to protect you financially up to a certain liability limit in the event of an accident on your property, and can be used should someone hurt himself or herself while passing through or playing in the deserted space. Vacant property insurance, on the other hand, is designed to protect an actual structure, and so will often cover damages to a building caused by both natural and manmade disasters, including fire, storms, civil commotions, vandalism, and so forth.

The need for these types of insurance is not limited to individuals or landlords, either; others who may need to insure their empty space include:

-Homeowners who are moving but still own their old house
-Real Estate Investors who are overseeing properties that have lacked tenants for over 60 days
-Banks, mortgage companies, or contractors who are holding completed or repossessed properties or lots that have not sold yet

The good news is, insuring your vacant property or building may not be that difficult! In some cases, it’s an easy as extending a homeowners policy, purchasing an umbrella policy, or simply buying vacant property insurance for a couple of months. And with the right insurance agent, getting this done can be incredibly simple.

We highly encourage anyone who owns a vacant building or lot to talk to a member of our Fisher Widmann Flick Insurance Agency staff; we can find out what the most cost effective solution to your insurance needs really is. Don’t let your property pose a risk any longer; whether you live in the Johnstown area or even in Blaire County, Cambria County, Somerset, Latrobe, and any other nearby counties, if you contact us today, our local staff members will meet with you as soon as possible to evaluate your specific needs and make sure that you’re protected.

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Protect Your Antiques With Classic Car Insurance

We, like many Americans, love classic cars. Whether they’re low riders, classic trucks, tractors, or the most recognizable of antique classics, we appreciate them all.

It’s difficult not to love something as beautiful as a shining old vehicle. These fascinating machines have a way of captivating us; they bring memories back to life and almost seem to capture moments in history. It’s no wonder that people love to drive and collect them.

If you own or collect classic cars, though, you understand that not only are they beautiful: they are an investment; so whether you purchased or restored that classic automobile, it needs to be protected.

Whether you drive your car frequently, occasionally, or even just to special shows and events, you know that your classic vehicle needs auto insurance, just like a regular car. But you also know that classic cars are special. This means not only does your car need to be insured for roadside assistance, collision damage and more; you need to know that the full value of your car is protected.

Our staff at the Johnstown-based the Fisher Widmann Flick Insurance Agency (F.W.F Insurance Agency) understands that the insurance you get for a classic car needs to be as special as the vehicle itself is. Our partner, Safeco Insurance (a Liberty Mutual-owned company), understands this as well. That’s why we’re here to help you buy the perfect policy for your classic car, ensuring that it’s covered well into its golden years.

We can help collectors and owners build a policy just for their classic automobile by asking the right questions. How many miles will you or do you drive in your car? How old is your car? Does it have any custom modifications? How many cars do you own?

Whatever the answers to these questions are, we promise: we can find or build a policy that’s perfect for your needs, ensuring that your collection of one, two, 50 or more classic cars is always fully protected.

Talk to one our representatives today for personalized advice based on your collection and your needs. Whether you’re located in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties, we’re ready to work with you so that you can continue to enjoy using your classic cars with the knowledge that they are fully insured. Our representatives will use their connections to 15 other major insurance companies, including SafeCo, to ensure that your policy is as comprehensive as possible.

We’re ready to help you hit the road in classic style and with the comforting knowledge that you are 100% protected; contact us now to set up a meeting with one of our local representatives in central Pennsylvania.