• Auto Insurance

    Homeowners

  • Business

    Life Insurance

  • Erie Insurance

    Workers Compensation

What We Insure

Take a look below at some of the insurance services we provide. Click Here to view some of the carriers we represent. Then let one of our agents discuss your needs and help you find the best option for you and your family. You can also request a quote using our online quote forms.
AUTO INSURANCE

When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy. NOTE - Your policy may not contain all of these coverages.

Bodily Injury (BI) Liability Coverage pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.

Property Damage (PD) Liability Coverage pays, up to the coverage limits, for another individual's vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.

Medical Payments Coverage (PIP) Pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. 

Uninsured/Underinsured Motorists (UM/UIM) Coverage pays up to the coverage limits for medical expense which is not covered by PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.

Collision Coverage pays, up to the coverage limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. This coverage is usually required if you have a vehicle loan.

Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your vehicle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan.

Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.

Towing and Labor covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.



To get a Personal Auto quote now please click here:  Auto insurance quote request

HOMEOWNERS INSURANCE

For many of us our home is our most valuable possession. The time to think about the unthinkable disaster is before it happens to you.  If your home were damaged or destroyed, insurance can help you repair or rebuild your home and replace damaged possessions.

The main purpose of insurance is to protect you against losses you cannot afford. Few people have the financial resources to rebuild their homes.

In addition to protecting your home and possessions, homeowners insurance also provides liability coverage to protect you from financial ruin if someone is injured on your property and sues for damages.

A homeowners insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance which pays for injuries to other people or damages to their property accidentally caused by you, your family or your pets.

You also can buy several types of additional insurance for property that is not listed in your homeowners policy or for perils not covered - such as flood - for which you need a separate policy. You do this by either buying a separate policy or by adding an endorsement or rider to your policy.

Tips for Keeping Your Rates Low

There are some simple steps you can take to reduce your homeowner's premiums.

  • Raise Your Deductible - A deductible is the amount you pay before the insurance starts to pay for your loss. Since the purpose of insurance is to pay for the losses you cannot afford, raise your deductible to a limit that you could handle in case of a loss.

  • New Home - If your home is less than 10 years old, you may be eligible for a new home discount.

  • Make Your Home Safer - You may be eligible for a discount if you have a burglar and fire alarms systems and/or sprinkler systems. Monitored systems will earn a bigger discount than unmonitored systems.

  • Construction Material - When you buy a home, look for fire-resistant construction, such as brick, masonry or rock. You may pay a lower premium for hail-resistant roofs, such as those made of concrete tile, while wood roofs may bring a surcharge. Check the location of the nearest fire department, and avoid buying in floodprone areas.

  • Non-Smoker Discounts - Check with us to find out if this discount is available.


To get a Homeowners quote now please click here:  Homeowners insurance quote request

LIFE INSURANCE

One of Life's rewards for working hard and saving for aretirement is achieving financial security.  One of life's realities, however, is the possibility of premature death, leaving financial responsibilities for the loved ones left behind.

There is a solution.....life insurance.  Only life insurance can create an immediate cash fund for loved ones.  So, even if death is premature, financial security for you family is possible.

What Types of Life Insurance Are Available?

  • Permanent Insurance (Whole Life)
  • Universal Life Insurance
  • Term Life Insurance

Permanent Life Insurance                                                                                                                  

Permanent Life Insurance or sometimes called Whole Life Insurance is designed to provide life-long coverage with benefits and features usually not available with term life policies.  It provides a level death benefit with level premiums and guaranteed cash values.  If you are looking for life insurance at a mature age, you can really appreciate the idea of purchasing a policy where premiums will not increase due to age or medical conditions that arise later in life.

Universal Life Insurance

Universal Life Insurance provides immediate cash, flexible premium payment plans, tax deferred savings and guaranteed death benefits.  This policy is a hybrid product that combines the protecion of a conventional term insurance policy with cash values and investment gains.  Unlike traditional permanent policies, universal life divides death protection and cash value accumulations into seperate components.

Term Life Insurance

Term Life Insurance provides coverage for a specified period of time at a constant premium during that time period.  It is designed to protect short-term needs such as debt obligations, mortgage protection or protection while children are young.  Typically term life insurance policies do not provide cash value.  Once the term period is over the premium will generally increase to match your current age and underwriting status.  Term policies are typically available for time periods of 10, 20, and 30 years.



To get a Term Life quote now please click here:  Term Life insurance quote request

BUSINESS INSURANCE

Protect Your Business with ERIE
For a business many different types of insurance exist, including property insurance, liability, commercial auto, workers compensation, group life insurance and others.

Below are some of the more common types of coverage available however this is not a complete list and, as always, we recommend you contact us to thoroughly review the needs of your business.

Property Insurance - covers the building or buildings and contents of the business. Outdoor signs, crime coverage, property of others, glass coverage, etc., can be covered as well, depending on the needs of your business.

Liability Coverage - covers what you could be obligated to pay due to bodily injury or property damage to others. If you do not own your building, your landlord normally would need to be added as an additional insured on the policy in order to protect them. Liability covers the premises and operations of the insured, as well as products and completed operations.

Commercial Auto - is similar to personal auto coverage but is intended for vehicles used in the course of business. For example an employee is making a delivery, backs up and dents another vehicle in a parking lot. The property damage portion of the policy would pay for the damages to the other vehicle.

Workers Compensation - protects your employees if they suffer job-related injuries. The policy pays the medical bills for the employee who is injured on the job. If there is time off from work due to that injury, the insurance pays disability income to the injured worker.

Other types of insurance may be necessary or unique to your particular business. For instance, if you operate a desktop publishing business out of your own home, you may assume that your homeowners insurance will cover any theft or destruction of computer equipment. Some homeowners policies may, but others may set a limit on claims for computer equipment that is much less than you have invested. Again, every business is unique and we recommend you contact us to thoroughly review your business needs.




To get a Commercial quote now please click here:  Commercial insurance quote request








Locations

Main Office
107 N. Monroe Street
Media, PA 19063
Phone: 610-566-3900
Fax: 484-341-1310
Email   Directions


Testimonials

“Michael saved us $2000 on one insurance deal with my business. I highly recommend him to review your policies and allow him to make an offer. Personable and trustworthy, I will use Kuntz Insurance for a long time.”

Jim Daly - Daly Termite & Pest Management
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Kuntz Insurance Group