Will My Home Insurance Cover My Work-From-Home Business?

Posted on January 31, 2025January 28, 2025 by admin

In recent years, the separation between work and home has blurred as many people work from home full—or part-time and run various home-based businesses. These changes can affect who enters the home, what they do there, and the assets kept at home, all of which have implications for home insurance coverage. If you live in the West Altoona, PA, area, consider the H. Dean Allison Insurance team to create your home and business insurance plan.

Work-from-Home and Insurance

There are many types of home-based businesses. However, almost everyone needs office electronics, furniture, and many store tools, supplies, or inventory. The value of these materials tends to grow with your business, making protecting those assets increasingly important.

The purpose of home insurance is the protection of personal assets rather than business assets. Most home policies provide $2,500 in business asset coverage, so if your business assets exceed $2,500, you need commercial insurance to safeguard those assets.

Small home businesses can use a business property endorsement, which often doubles the business asset coverage to $5,000. Those with more business assets and those needing professional, business liability, or other commercial insurance must take additional steps.

One option, in-home business insurance, can include property, liability, and other commercial insurance elements suitable for companies with less than $250,000 in revenue.

A Business Owner’s Policy (BOP) is valuable for businesses with $250,000 or more in revenue. It packages sophisticated commercial insurance elements and can include Workers’ Compensation and liability coverage.

Working with H. Dean Allison Insurance

The H. Dean Allison Insurance team serves homeowners and businesses in the Altoona, PA area. We can help create a home, business, or combined insurance plan that meets your needs. Call (814) 941-0675 today to schedule an appointment or stop by the office.

Does RV Insurance Cover Winter Mishaps in Pennsylvania?

Posted on December 24, 2024December 23, 2024 by admin

As Americans gear up for the winter holidays and the New Year, spending quality time with loved ones is a priority. Winter RVing can provide a magical opportunity to create lasting memories and connections during your travels to visit friends and family. However, RVing during Pennsylvania winters can pose unique challenges, including navigating icy roadways, dealing with sub-freezing temperatures, and managing heavy snow that could cause leaks or structural damage to your RV. Learn how comprehensive RV insurance can help protect winter travelers from unexpected mishaps on the road from the professionals at H. Dean Allison Insurance.

How Comprehensive RV Insurance Protects Altoona, PA RVers

Comprehensive RV insurance can include financial protections and provisions that shield RV owners from the high costs of unexpected repairs, damages, and total loss replacement due to covered perils. A well-structured policy can protect against collision and non-collision related incidents, including theft, natural disasters, vandalism, and coverage for personal property.

The Importance of Adequate RV Insurance for Safer Wintertime Travel in Pennsylvania

Whether your winter travels involve camping at your favorite family campground or exploring public lands or national forests, having RV insurance is essential for protecting your trip. Starting a new RV insurance policy is easy with the guidance of a trusted local insurance agent.

Talk to a licensed and knowledgeable insurance agent to learn about the available coverage options for RVs, including pop-ups, travel trailers, fifth wheels, destination trailers, and specialized RVs.

Contact the offices of H. Dean Allison Insurance in Altoona, PA today for the best options for comprehensive RV insurance coverage and a free quote!

Tips for Storing Your Motorbike for Winter

Posted on November 26, 2024November 25, 2024 by admin

While in some areas of the country, it remains warm enough to ride a motorcycle everywhere, in Altoona, PA, by the time you read this, it will already have dropped to the twenties at least one night of the week. It’s time to prepare a motorcycle for winter storage and switch to the bus or Uber.

Proper maintenance and storage help the bike operate safely, which can reduce the number of accidents and, thus, claims filed. Today’s blog from H. Dean Allison Insurance covers the most important maintenance you can perform on your motorbike.

Planning Your Bike Storage

Decide where you’ll park your motorcycle for winter. It needs to go indoors in a garage environment. Purchase a motorcycle stand for the bike to help it maintain its proper stance while parked over winter.

Cleaning the Bike before Storing It

Wash, dry, and detail the motorcycle before storage. After the bike dries, a wax or sealant coating can help protect its finish. Place a cover over the bike to keep dust off it.

Throughout the Winter

At least once per month, start the motorcycle and let it warm up. Ignore the websites that tell you to remove the battery. That’s not necessary. Instead, connect it to a trickle charger that controls battery charging so it can’t overcharge or undercharge.

Fill the Fuel Tank

Fill the gas tank with high-grade fuel. Add a fuel stabilizer.

Contact Us Today

Call or email H. Dean Allison Insurance for a motorcycle insurance review before you store your bike for winter in Altoona, PA. Let us help you properly insure it before your next spring ride.

How to Prepare for an Accident: Essential Steps to Take

Posted on October 28, 2024October 25, 2024 by admin

Accidents can happen anytime, and being prepared can make a challenging situation more manageable. At H. Dean Allison Insurance, we proudly provide auto insurance to residents in and around the greater Altoona, PA, region; we’re committed to helping you stay informed and ready for anything on the road.

Staying Calm and Assessing the Situation

The first step after an accident is to remain calm. Take a deep breath and check for injuries. If anyone is hurt, call emergency services immediately. If possible, ensure your vehicle is safely out of traffic, and turn on your hazard lights.

Gathering Important Information

Collecting accurate information is crucial. Exchange details with the other driver, including names, contact information, and insurance details. Document the scene by taking photos of the vehicles, any damage, and the surroundings. This will be invaluable when filing an insurance claim.

Filing a Police Report

Even if the accident seems minor, it’s wise to contact the police. A formal report can provide an objective account of the incident, which can be helpful for insurance purposes. The officers will gather the necessary information and help mediate any immediate issues.

Notifying Your Insurance Company

As soon as possible, contact your insurance provider to report the accident. Provide them with all the gathered information and follow their guidance for the next steps. They will assist you in filing a claim and navigating the aftermath.

Staying Prepared with Proper Coverage

Having comprehensive insurance coverage ensures you’re protected in case of an accident. If you have questions or want to review your coverage, the H. Dean Allison Insurance team, serving the greater Altoona, PA region, is here to help. Reach out to us to ensure you’re fully prepared and protected on the road.

How Boat Insurance Protects Against Seasonal Weather in Pennsylvania

Posted on September 30, 2024September 30, 2024 by admin

Owning a boat in Pennsylvania offers an ideal way to explore the state’s magnificent lakes, rivers, and natural streams. Yet, as a resident of Pennsylvania, you’re likely well aware of the changing seasons bringing unpredictable weather and storm risks. If you are a boat owner in Pennsylvania, understanding how boat insurance can protect your marine investment will ensure optimal enjoyment of your aquatic adventures. Should you be situated in Altoona, PA, H. Dean Allison Insurance is prepared to help you find a tailor-made boat insurance policy for your needs.

Guarding Against Flooding and Summer Storms

In Pennsylvania, heavy rains and accompanying flooding during spring are common occurrences. After a severe winter, Pennsylvanians could also face rapid snow melt, leading to intense flooding. With boat insurance, engine damage, electrical complications, and floodwater-induced damage are covered all year round.

Winter Weather Protection

Even if your boat is docked during winter, as a resident of Pennsylvania, you’ll need to safeguard it. Boat insurance may cover damages caused by freezing and thawing cycles, damaged engines, and even cracked hulls due to weather changes.

Wind Damage

Seasonal changes in Pennsylvania can bring increasing winds. Insurance coverage can help protect against wind damage to your boat.

Getting boat insurance is always recommended for any boat or watercraft throughout Pennsylvania, whether you’re a regular or recreational boater. Protecting your investment is imperative. At H. Dean Allison Insurance, we aid our clients in properly obtaining insurance and safeguarding their investments, including a variety of boats and watercraft. If you’re a resident near Altoona, PA, and you’re interested in exploring boat insurance options, contact us today for your quote.

Insuring an Older Home in Pennsylvania

Posted on August 30, 2024August 28, 2024 by admin

Insuring Older Homes: Pros, Cons, and Tips for Effective Coverage

At H. Dean Allison Insurance, we take pleasure in offering comprehensive insurance coverage for a wide array of homes throughout the Altoona, PA area. From single-family homes and duplexes to condos, large estates, farmhouses, and properties within gated communities, we provide custom insurance solutions to suit your unique needs. If you own or are considering purchasing an older home, it pays to be aware of some of the benefits and drawbacks of insuring such properties.

Advantages of Insuring an Older Home in Pennsylvania

Many older homes in the Altoona area are superbly crafted and constructed from quality, durable materials and have withstood our region’s demanding winters and hot summers. They often incorporate enhancements such as upgraded insulation, refurbished flooring, and modernized plumbing systems.

Challenges of Insuring an Older Home

On the other hand, insuring older homes comes with its own set of challenges. These homes often host aging roofs and could feature outdated wiring. Certain elements of older homes might not even meet current building codes.

Saving on Insurance for Your Older Home

If you own or intend to buy an older home, there are several steps you can take to ascertain affordable home insurance. Consider upgrading plumbing and electrical systems or investing in a new roof. In addition, installing safety and security enhancements like alarms, cameras, and outdoor lighting can significantly reduce your insurance premium.

Getting an Insurance Quote for Your Older Home

If you’re in the process of purchasing an older home and subsequently applying for a mortgage, your lender will require you to secure home insurance. However, it’s your responsibility to choose an insurer that’s well-equipped to understand your needs and offer comprehensive coverage. If you own a home in Altoona, PA, we encourage you to discuss your insurance requirements with us at H. Dean Allison Insurance.

We look forward to helping you get a no-obligation quote.

Common Mistakes to Avoid When Insuring Your RV

Posted on July 30, 2024July 30, 2024 by admin

Owning an RV opens up a world of adventure, but insuring it can sometimes feel like navigating a maze. At H. Dean Allison Insurance in Altoona, PA, we understand the unique needs of RV owners and want to help you avoid some common pitfalls.

Underestimating the Value of Your RV

One frequent mistake is underestimating your RV’s value. Unlike standard vehicles, RVs often come with custom features that can significantly increase their worth. Ensure your policy reflects your RV’s true value, including any upgrades or special equipment.

Overlooking Personal Belongings Coverage

Your RV is not just a vehicle; it’s a home on wheels. Many owners forget to consider the value of the personal belongings inside. From electronics to kitchen appliances, these items can add up quickly. Ensure your policy includes adequate coverage for all your personal items.

Ignoring Liability Insurance

Liability insurance is crucial, whether you’re on the road or parked at a campsite. Accidents can happen unexpectedly, and you could face significant expenses without proper liability coverage. Verify that your policy covers both bodily injury and property damage liability to protect yourself in all situations.

Failing to Ask About Discounts

Many insurance companies offer discounts for safe driving, RV club memberships, or installing safety features. Don’t hesitate to ask your agent about potential discounts for which you might qualify. A simple inquiry can lead to significant savings.

Avoiding these common mistakes can save you time, money, and stress. At H. Dean Allison Insurance in Altoona, PA, we’re here to guide you through the process and ensure you have the right coverage for your RV. Ready to review your policy or get a quote? Contact us today and hit the road with confidence.

Filing a Claim for Comprehensive Coverage on Your Motorcycle

Posted on June 28, 2024July 2, 2024 by admin

Comprehensive motorcycle coverage includes protection against non-collision incidents like theft, vandalism, natural disasters, and fire. Understanding what is covered under your policy is critical before filing a claim in Altoona, PA.

Immediate Steps After an Incident

After experiencing an incident, ensure your safety and secure your motorcycle if possible. If your motorcycle was vandalized or stolen, promptly report it to the police.

Collecting Essential Evidence

Gather as much evidence as you can related to the incident. Take clear, detailed photos and videos of the damage. If the motorcycle was stolen, document the location and any potential witnesses. This evidence is crucial for substantiating your claim and providing your insurer with a comprehensive view.

Contacting Your Insurance Provider

Be ready to provide the insurance company with all the details, including the time, location, and circumstances. Timely notification is critical to initiating the claims process and ensuring you meet any policy deadlines.

Understanding the Claims Process

Familiarize yourself with your insurer’s claims process. Each company may have different requirements and procedures, so understanding these can help you navigate the process more efficiently. Ask your insurer about the expected timeline, required documentation, and any steps you must take.

Working with Law Enforcement

If your motorcycle was stolen or vandalized, file a report with law enforcement. Provide your insurer with a copy of the report to support your claim and validate the incident.

Ensuring Proper Valuation

Obtain repair estimates from reputable shops to ensure your motorcycle is properly valued. Your insurer may require multiple estimates.

H. Dean Allison Insurance Helps Guide You

H. Dean Allison Insurance is here to guide you and demonstrate how motorcycle insurance can save you in the long run. Our team serves the Altoona, PA region. Get in touch with us today.

What Glass Damage Does My Auto Insurance Cover?

Posted on May 31, 2024June 5, 2024 by admin

H. Dean Allison Insurance Offers Auto Insurance With Glass Coverage

Your vehicle’s windshield and other glass can become damaged from various hazards, not only from an accident. When breakage occurs, you may wonder if your glass is covered or whether it is part of your average deductible amount. Auto glass coverage can vary, depending on where you live and the type of policy you have. At H. Dean Allison Insurance in Altoona, PA, we help clients find the right coverage for their auto insurance needs.

What Coverage Is Available For Auto Glass Damage?

Generally, windshield damage is covered under “comprehensive” insurance coverage that will replace the glass if it is damaged by “acts of God,” such as hail, tree damage, or falling debris. Vehicle glass that is damaged in a typical car accident is usually covered under the “collision” part of your insurance.

Some States May Include Full Auto Glass Replacement As Part of the Policy

Whether your auto glass is covered under your standard auto insurance policy can depend on the state in which you live. Some states require glass replacement under a standard policy. Other states do not. Pennsylvania does not require auto glass coverage as part of the policy. However, you can purchase auto glass replacement as an “add-on” to your policy if your state does not require it as part of your standard policy coverage.

Make H. Dean Allison Insurance Your Agent For Auto Insurance Coverage

Our experienced agents in Altoona, PA, can provide detailed information on the types of auto insurance available to suit your unique needs. We offer our clients a broad range of insurance products, including policies for life, home, boat, motorcycle, RV, and business. Contact H. Dean Allison Insurance today for a no-obligation quote on auto insurance to ensure you have coverage for unexpected glass damage to your vehicle.

What is Excluded From a Boat Insurance Policy

Posted on April 30, 2024May 2, 2024 by admin

As the weather warms, so does the number of boats traveling on the water. Boating season is a fun and relaxing way to spend a day. However, some boat owners are unsure what is excluded from their boat insurance policy. Contact H. Dean Allison Insurance of Altoona, PA, as their staff can review and explain what your policy does not cover.

How Boat Insurance Works

Boat insurance protects the policyholder from financial demise. It could mean paying for medical care for bodily injuries or repairs to the boat following an offshore accident. Also, your investment is protected if the boat is stolen from the dock or stored away for the winter months. The policyholder selects the coverage for their boat. Thus, you play a role in what is excluded from the insurance policy.

What is Not Covered in a Boat Insurance Policy

Boat owners need to read their insurance policy before signing an agreement. It will give you a better perspective on what is excluded from the policy. The owner is solely responsible for the boat’s maintenance. Thus, the normal wear-and-tear that occurs during a boating season is not covered. Insurance companies believe boat owners are responsible for repairing and removing all gradual deterioration, mold, and weathered damage from the extended time in the water.

Boat’s Defective Mechanical Parts Excluded

Most boat insurance policies will not cover replacing a defective mechanical part on a boat. But the coverage will pay for all repairs caused by the part. Usually, this section is called machinery damage exclusions on your boat insurance policy. The coverage provided does vary as the wording may include "improper use." Ask your provider for clarification on whether you see this phrase in the policy agreement.

If you are new to the boating community, call H. Dean Allison Insurance in Altoona, PA. Our staff can create a boat insurance policy that meets your needs. We understand the state’s requirements and what needs to be covered. You will be protected while traveling on the water. Call and schedule an appointment today!

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