Mid Penn Insurance Personal Lines Page

PERSONAL INSURANCE
Personal Insurance is just that, personal. Your insurance needs are as individual as you are and a one-size plan does not fit all. That's why getting the advice from professionals at Mid Penn Insurance will help you make the right choice for you and your family. Our experienced staff invests the time and energy required to make sure that your insurance fits your lifestyle and your budget.  We offer you piece of mind so that you can enjoy the things you've worked so hard to get.

What Should You Expect From Your Personal Insurance Program?

  • Coverage that matches your individual needs.
  • Experienced and professional insurance agents.
  • Prompt and efficient claim service.

What Should You Expect From Your Personal Insurance Agent?

  • Ability to tailor an insurance program to your individual needs.
  • Knowledge of what products are available and how they can work for you.
  • Courteous and professional service.
Do you understand your insurance coverage? Do you know the importance of carrying adequate liability limits? At Mid Penn Insurance, our aim is not simply to sell insurance but also to help you better understand your insurance needs. Contact a Representative

Automobile
All owners of motor vehicles in the Commonwealth of Pennsylvania are required by law to purchase and maintain automobile insurance. The laws relating to automobile insurance coverage are compiled in 75 Pa.C.S.A. ßß1701 et seq., commonly known as the Act 6 Amendments to the Pennsylvania Motor Vehicle Financial Responsibility Law, "MVFRL. As an owner, driver or passenger, it is important to understand how automobile insurance affects an individual involved in an automobile accident. The type of coverage an individual selects will depend upon the individual's needs. The following are the most common types of coverage offered:
Coverages

  • Bodily Injury

  • Property Damage

  • Medical

  • Uninsured & Underinsured

  • Comprehensive

  • Collision

  • Towing & Labor

  • Rental Reimbursement

Discounts

  • Safe Driver

  • Anti-theft

  • Passive Restraint

  • Anti-Braking System

  • Good Student

  • Driver Training

  • Multi-Car

  • Driver Improvement

  • Resident Student

Homeowners Insurance

For most folks, your home is your biggest and most valuable investment.  You take great pride in your property and invest a significant amount of money in your home.   Have your considered whether you have adequate protection for your home?  Do you know what coverage is provided on your homeowner policy? 

 Mid Penn Insurance represents many fine carriers who provide home insurance with quality coverages at an affordable rate.  When was the last time you had an insurance professional review your homeowners insurance?  Don’t you owe it to yourself to know you are properly insured to protect your financial security? 
Coverages
  • Dwelling
  • Other Structures
  • Personal Property
  • Loss of Use
  • Personal Liability
  • Medical Payments
  • Scheduled Personal Property
  • Personal Property Replacement Cost
  • Personal Injury
  • Refrigerated Foods
  • Guaranteed Replacement Cost
  • Identity Theft Protection

Discounts*

  • Smoke Alarm

  • Central Bugler and Fire Alarm

  • New Home Discount

  • Loss Free Credit

  • Multi-Policy

* not available through all carriers. Check with your Customer Service Representative to see if you are eligible for any of the above discounts.
 
Renters Insurance
Many renters mistakenly assume their landlord provides coverage on their contents.   As a renter, you are responsible to cover your own belongings.  If you had a fire in your apartment or home, would you have the resources to purchase furniture, clothing, bedding, appliances, and the many miscellaneous items that the average person owns.  Don’t be caught short!  Purchase a renters policy that includes:       
Coverages
  • Personal belongings
  • Theft
  • Personal Liability
  • Damage to Landlords Property
  • Identity Theft
 
Recreational Vehicles

MOTORCYCLES

The breeze on your face…the sun shining on your shoulders…the freedom you experience…oh, the joys of riding your motorcycle on the open highway.  But with that joy comes responsibility.  Make sure you have proper coverage.
OFF ROAD VEHICLES
Why is it that many people think it’s not important to carry liability insurance for a 4 wheeler or dirt bike?   Many people falsely assume coverage is provided under their homeowners policy but many times it is excluded from coverage.  Although statistics aren’t available for ATV injuries and fatalities in the United State for 2004, there is sufficient evidence that ATV owners need to be concerned about their financial responsibility and need to be aware of the need to purchase liability insurance. 
WATERCRAFT
Isn’t it great to think about riding over the glistening water enjoying a sunny day?
Or water-skiing on a hot, humid day?
It’s exciting to think about the fun you experience on your boat.
Have you thought about watercraft insurance?  Isn’t it time you did? 
 

 

 

 

 

 

 
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