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2550 Boyce Plaza Road
Pittsburgh, PA 15241

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How Auto Insurance Determines the Cost of Repairs to Your Car

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After an accident, most people just want to get their cars repaired quickly. The process takes time, especially when the damage is significant. As soon as you get any medical care you need, contact your auto insurance adjuster to review what happened. Your adjuster will tell you if your coverage applies and then help you with the next steps.

At Stalwart Insurance, we work with our clients to get answers as quickly as possible. If you are in need of auto insurance in Pittsburgh, PA, give our team a call for a quote.

How Much You Receive for Repairs

Every accident is vastly different. Your adjuster will need a licensed mechanic to provide an evaluation of the vehicle to find out what was damaged and the extent of the repairs. An assessment is initially done using software based on the type of damage to the vehicle.

The insurance adjuster will then put you in contact with a repair company or you may be able to recommend someone you already know. The technician will provide a full inspection and then determine the cost of repairs based on factors such as:

  • The type of work that needs done
  • How hard it is to source the necessary parts for the repair
  • The paint and other material costs
  • The cost of labor to have it fixed

From this information, the adjuster will consider any other data available and determine if the repairs are worthwhile or if they will total the car. This differs in each situation.

Let Us Help You Through the Process

If you are in need of quality auto insurance in Pittsburgh, PA, contact our team. At Stalwart Insurance, we provide comprehensive protection with policies that fit most needs. Request a quote today.

Paid Off Your Home? Here’s Why You Should Keep Your Home Insurance Coverage

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Paying off your home can be really exciting, but there are still some important maintenance and protection issues you’ll need to be aware of. One of those is making sure you have good home insurance, and if you’re in the Pittsburgh, PA, area, our agents at Stalwart Insurance are here to help. We can work with you to get the quality policy you’re looking for, so you know you’re covered and can enjoy your home to the fullest.

Homeowner’s Coverage Isn’t Just for Your Lender

When you have a mortgage on your home, your lender requires you to have insurance coverage. That protects you in the event of loss, but it also protects your lender. Once your home is paid off, you technically aren’t required to continue coverage, but that doesn’t mean you should cancel your policy. Having insurance is still essential, in the even that you need to replace your dwelling or its contents.

Long-Term Peace of Mind Matters

Having good insurance in place means you don’t have to worry about what would happen if you need to make a claim. We can provide you with quotes from multiple insurers, so you can choose one that fits your needs and helps you feel comfortable and secure.

Work With an Agent Who Can Help

If you’re in the Pittsburgh, PA, area and looking for a home insurance policy you can feel good about, the trusted agents at Stalwart Insurance are the right choice to help you find quality coverage. Get in touch with us today, and let’s talk about how we can help you find a policy, or review and update the one you have, so you can get back to enjoying your home and the company of the people you share it with.

How Auto Insurance Determines the Cost of Repairs to Your Car

Posted on by agentinsure

After an accident, most people just want to get their cars repaired quickly. The process takes time, especially when the damage is significant. As soon as you get any medical care you need, contact your auto insurance adjuster to review what happened. Your adjuster will tell you if your coverage applies and then help you with the next steps.

At Stalwart Insurance, we work with our clients to get answers as quickly as possible. If you are in need of auto insurance in Pittsburgh, PA, give our team a call for a quote.

How Much You Receive for Repairs

Every accident is vastly different. Your adjuster will need a licensed mechanic to provide an evaluation of the vehicle to find out what was damaged and the extent of the repairs. An assessment is initially done using software based on the type of damage to the vehicle.

The insurance adjuster will then put you in contact with a repair company or you may be able to recommend someone you already know. The technician will provide a full inspection and then determine the cost of repairs based on factors such as:

  • The type of work that needs done
  • How hard it is to source the necessary parts for the repair
  • The paint and other material costs
  • The cost of labor to have it fixed

From this information, the adjuster will consider any other data available and determine if the repairs are worthwhile or if they will total the car. This differs in each situation.

Let Us Help You Through the Process

If you are in need of quality auto insurance in Pittsburgh, PA, contact our team. At Stalwart Insurance, we provide comprehensive protection with policies that fit most needs. Request a quote today.

How to Create a Home Inventory for Your Renters Insurance Policy

Posted on by agentinsure

Creating a home inventory for your renters insurance is one of the smartest steps you can take as a renter, and if you’re in the Pittsburgh, PA area and looking for a quality policy, Stalwart Insurance is here for you. We’ll help you find the right coverage for your needs, so you can focus on making a detailed record of your personal possessions for increased peace of mind.

Move Room to Room Through Your Space

When you make an inventory for insurance, go room by room and list major items such as furniture, electronics, appliances, clothing, jewelry, and collectibles. You’ll want to include important details like brand names, model numbers, serial numbers, and approximate replacement costs, and take photos or videos of each room for additional evidence of ownership and condition.

Save Receipts and Informational Documents

Whenever possible, save your receipts, warranties, and purchase confirmations. You can store digital copies in the cloud to ensure your records stay easy to access, even if you lose physical documentation. There are even inventory apps available to help you organize information and keep it up to date. Having proper documentation can make the claims process much easier if you ever need it.

Keep Everything Properly Updated

It’s essential to review and update your inventory regularly, especially if you buy expensive items or replace your existing belongings. Keeping an accurate inventory helps you determine whether your renters coverage limits are high enough and can speed up the claims process after a covered loss, too. A well-maintained home inventory provides peace of mind, and so does a quality renters insurance policy. If you’re in the Pittsburgh, PA area and looking for coverage, contact us at Stalwart Insurance today and let our dedicated agents help you find the right insurance for your rental needs.

Can You Get Umbrella Insurance For Children?

Posted on by agentinsure

Most people in Pittsburgh, PA get umbrella insurance to ensure their finances are protected in case something happens, like a car accident, and standard policies aren’t enough to cover the incident. Children can also end up at the center of lawsuits due to defamation or car accidents. However, it’s usually the parents who have to pay the settlement. It makes sense to wonder if you can get a policy on your kids. 

Typical Coverage for Children

Most people don’t get a standalone policy for children. Instead, kids are usually automatically covered under the parents’ policy. The policy can also cover other household members and children away at college. Typically, it will cover anyone who uses the same address as a residential address.

This varies by company, so it’s important to speak with a Stalwart Insurance representative to make sure your kids are covered. Let an agent know whether they live at home so children away at college are covered. 

What Does Umbrella Insurance Cover For Children?

These policies work the same way they do for adults. The policy will act as an additional liability policy. This means that it will not cover damages to your child, but it may cover damages to other people or their property if your kid is at fault. It can also cover legal defense costs if a lawsuit is filed. 

Learning how umbrella insurance works can be challenging. Our experienced agents can explain how it works, like a secondary policy, whether children have automatic coverage, and more. Contact the representatives here at Stalwart Insurance today to learn more. We’re currently serving the Pittsburgh, PA area. 

 

Flood Insurance Cover Damages After Floodwaters Recede?

Posted on by agentinsure

After floodwaters move through an area, removing the water is only part of the recovery process. Flooding often leaves behind significant damage, including structural issues and increased risks of mold and mildew. Every situation is different, but having flood insurance in place can make recovery much more manageable.

At Stalwart Insurance, we help homeowners secure flood insurance in Pittsburgh, PA, so they have the protection they need when unexpected events occur. Contact us today to request a quote and better understand your coverage options.

How Flood Insurance Helps After the Water Recedes

Depending on the type of policy you carry and the details of the loss, flood insurance may help cover a variety of post-flood expenses, including the following:

  • Structural damage repairs, which may include cleaning and repairing floors, walls, and foundations, as well as damage to electrical and HVAC systems affected by flooding.
  • Mold remediation costs, when mold develops as a direct result of flood damage and despite timely efforts to remove standing water.
  • Personal property recovery, including the repair, cleaning, or replacement of damaged belongings such as furniture, appliances, and other contents.
  • Temporary housing expenses, if flood damage makes your home unsafe to occupy during repairs.

If you do not currently have flood insurance in Pittsburgh, PA, now is the time to take action. Contact Stalwart Insurance to learn more about the coverage options available and how flood insurance can help protect your home and finances after a flood-related loss.

Does Auto Insurance Cover Damage From You Losing Control?

Posted on by agentinsure

Pittsburgh sits along the Allegheny Plateau, an area known for steep terrain and challenging road conditions. While the region lacks high-altitude mountains, steep hills can be dangerous during hazardous weather, making it easier to lose control of your vehicle. Your auto insurance may help, depending on the circumstances.

Does Comprehensive Coverage Apply If You Lose Control?

Comprehensive coverage protects against non-collision events such as theft, vandalism, hitting an animal, or weather-related damage. It does not typically apply when you lose control of your vehicle and collide with guardrails, ditches, or other objects.

These types of incidents are generally covered under collision insurance, not comprehensive. Collision insurance helps pay for repairs to your vehicle if you hit an object or another car. To understand which types of incidents your policy covers, speak with an agent at Stalwart Insurance.

Accidents Not Covered Due to Illegal Acts

Auto insurance policies include exclusions. Many insurers will deny a claim if the accident occurred while you were committing an illegal act. For example, if you lose control of your vehicle because you were driving under the influence, your insurer may deny coverage.

Distracted driving is another concern. Pennsylvania law prohibits the use of handheld mobile devices while driving. If you were using a phone illegally at the time of the accident, your insurer may deny the claim depending on the circumstances and policy language.

Intentional Damage Is Not Covered

Intentional acts are excluded from nearly all insurance policies. If you purposely drive into someone else’s fence or property, your insurer will not pay for the damage to your vehicle. Auto insurance only covers accidental and unforeseen events.

The experienced agents at Stalwart Insurance can help you review your policy and understand the types of incidents it covers. Contact us today. We proudly serve the Pittsburgh, PA, area.

When Is the Right Time to Secure Life Insurance?

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When it comes to life insurance, timing is one of the most important factors to consider. Many people associate life insurance with older individuals and assume they don’t need a policy until later in life. But is this actually true? When is the right time to purchase life insurance? At Stalwart Insurance in Pittsburgh, PA, we’re committed to providing you with the knowledge and support you need to make informed life insurance decisions. Let’s explore the best time to secure a life insurance policy and how you can get started with us.

When Is the Right Time to Buy Life Insurance?

The right time to purchase life insurance depends on your individual circumstances. There’s no universal answer, as the need for life insurance varies from person to person. For instance, if you’re older and don’t have children, a spouse, or other dependents, you may not need life insurance since there’s no one relying on you financially. On the other hand, if you’re in your 20s and have a spouse or children who would struggle financially in the event of your death, securing a life insurance policy is likely a wise decision.

The key question to ask yourself is whether you have people who depend on you financially. If you do, a life insurance policy is an essential investment to ensure their financial security. Life insurance provides peace of mind and helps protect your loved ones from financial hardship.

Secure Your Life Insurance Policy With Stalwart Insurance

Not sure where to start with life insurance? Don’t worry! At Stalwart Insurance in Pittsburgh, PA, we’re here to help you compare life insurance quotes and find the best policy for your needs. Contact us today to get started!

Are Solar Panels Covered by Home Insurance?

Posted on by agentinsure

When you buy a home, it represents your dreams for the future. Most homeowners know the best way to protect their investment in their home is with home insurance. If you are in the Pittsburgh, PA area, our team at Stalwart Insurance can answer your home insurance questions. We’ve been working with homeowners like you for decades.

Are Solar Panels Covered by Home Insurance?

Home insurance can help you repair your home if it is damaged by a weather event, fire, theft, or any other unforeseen circumstance. It’s a good idea for you to be aware of what the policy will cover. Solar panels may be covered by your homeowners insurance, but you should talk with your agent for more information about your specific situation.

You may be aware that having solar panels adds value to your home, so, if your solar panels are added after you purchase your home, you must notify your insurance agency about the installation. Look at the “attached structures” section of your home insurance policy document to confirm your panels are covered. Once you confirm that your solar panels are covered, you can rest assured that the insurance company will cover solar panel damage due to fire, wind, lightning, and vandalism.

Call Us Today for Your Appointment

Every home is unique, so we design each home insurance policy to fit your family’s needs. Clients in the Pittsburgh, PA area have learned they can rely on every member of our staff here at Stalwart Insurance. to live up to our agency’s name. Call us about your appointment today and let us help you to protect your home.

Winter Heating Hazards in Pittsburgh: Coverage Check for Renters

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Winter in Pittsburgh, PA, tests every rental unit in ways you can’t always see. Space heaters run much longer, old radiators pull excessive power, and the truth is, one missed detail can turn a warm evening into a nightmare. But it doesn’t have to be this way. A focused look at your winter risks can make all the difference before temperatures dip into the 20s.

How Your Heating Habits Create Hidden Winter Pressure

You already know the routine. A cold front rolls in, and you turn the thermostat higher. Maybe you even plug in a portable heater next to your couch or dinner table. We’ve all done it, but each of those little changes shifts how the heat moves through your home. Dry air builds up. Cords stay hot to the touch for hours, and dust collects near vents you rarely ever check.

Those are the perfect conditions where small problems escalate into major ones in a hurry. A frayed extension cord starts to heat up beyond the point of no return. A radiator drips onto the floor near a rug. Your space heater gets nudged closer to a wall or curtain without you noticing. 

Here at Stalwart Insurance, we help renters like you see these patterns clearly so your renters insurance reflects the risks you’ll encounter throughout a Pittsburgh winter.

Winter Checks for Renters

Here are a few quick winter checks worth doing:

  • Look for loose power strips or overloaded outlets near warm appliances.
  • Move soft items, blankets, and clothing away from vents and heaters.
  • Check window frames for drafts that cause your heater to run overtime.
  • Test your smoke alarms after the first cold snap.

These are small steps, but they’ll help prevent bigger nightmares.

Why You Should Review Your Coverage Before the Deep Cold Arrives

Winter heating hazards don’t come as a surprise. Here at Stalwart Insurance, we use our experience to help you make sure your coverage supports the way you use heat, appliances, and your living space during the colder months.

For a practical review of your renters insurance, contact us today. We’re here to help you stay protected all winter.

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