The Stewardship Group provides auto insurance, business insurance, homeowner's insurance, renters' insurance, life insurance, health insurance, workers' compensation insurance, farm insurance, flood insurance, contractors' insurance, and recreational insurance in Reedsville and Belleville, PA.
Frequently Asked Questions About The Stewardship Group
What will not be covered by an auto insurance policy?
General wear and tear: In general, auto insurance doesn't cover normal wear and tear. This can include things like brake replacement, engine repairs, or replacing windshield wipers. In addition, smaller wear and tear issues like scratches, dings, and chipping paint.
What does 250/500/100 mean in insurance?
A common policy structure is 250/500/100, which covers up to 250 = Bodily Injury Coverage — $250,000 for injuries per person. 500 = Overall Maximum Coverage — $500,000 for injuries total per accident. 100 = Property Damage Coverage — $100,000 for property damage per accident
What six factors should you consider when you are buying auto insurance?
Your driving records. Your driving record carries a lot of weight.
The type of car you have. Your car can also play an important role in your auto insurance rates.
Your level of coverage.
Your deductible.
Whether or not you leverage discounts.
Your location.
What is the most important thing in homeowners insurance?
Make sure you're covered for the right amount – your home insurance policy should cover the full value of your home in case of damage or destruction. When it comes to home insurance, you want to make sure you're getting the right amount of coverage.
What four major factors determine the cost of home insurance?
Home insurance rates are impacted by the replacement cost of your home (how much it would cost to rebuild), risk factors specific to your home or the area around it, personal factors about you as a homeowner, claims history, and the coverage you choose for your policy.
Why is my home insurance quote so high?
Homes in high-risk areas typically have higher premiums. Insurance companies assess the risk associated with your area by looking at the likelihood of severe weather, such as floods, wildfires, and hurricanes, local crime rates, and your home's proximity to a fire station.
How does business insurance work?
Business insurance can help pay the costs of property damage, lawsuits, lost business income, and other covered losses. To help protect against specific risks unique to their situation, businesses often buy multiple coverages and combine several in one policy.
What insurance do I need to run my own business?
When you're starting your own business, some types of coverage you should make sure to have are general liability insurance, professional liability insurance, and workers' compensation insurance.
Is business insurance tax deductible?
The IRS generally considers business insurance a cost of doing business, so your policy premiums may be deductible from your taxable income. A tax professional can ensure you fill out the proper paperwork to ensure you are taking advantage of all deductions available to you.
What may be included in a farm insurance policy?
Farm and ranch insurance is a hybrid form of coverage meant to protect you personally and commercially. Generally, this type of insurance provides coverage for your home and its contents, as well as other equipment, structures, and tools from different types of accidents that could hurt your farm.
What types of insurance does The Stewardship Group offer?
The Stewardship Group offers auto, business, homeowner's, renters, life, health, workers' compensation, farm, flood, contractors', and recreational insurance in Reedsville and Belleville, PA.
What are the regular business hours of The Stewardship Group?
The Stewardship Group is open Monday through Friday from 9:00 AM to 5:00 PM and is closed on Saturdays and Sundays. After-hours and weekend appointments are available by appointment.
How can I contact The Stewardship Group for inquiries or appointments?
You can reach The Stewardship Group by phone at +1 717-400-1907 or alternate phone +1 717-935-5858, or via email at info@thestewardshipgroup.org.
Where is The Stewardship Group located?
The Stewardship Group is located at 22 S Main St, Reedsville, PA 17084, United States.
Could you explain insurance coverage limits like 250/500/100?
A common policy structure 250/500/100 means $250,000 coverage per person for bodily injury, $500,000 total bodily injury per accident, and $100,000 for property damage per accident.
What types of insurance should small business owners consider?
Small business owners should consider general liability, professional liability, and workers' compensation insurance to protect their operations.
Why might my home insurance premium be high?
Premiums can be higher if your home is in a high-risk area for severe weather, local crime rates, or if it is far from a fire station.
What nearby places can I visit before or after my appointment at The Stewardship Group?
Nearby places include Reedsville Square Park, Friendship Bookstore, and East End Coffee Co., which are great spots to relax, browse books, or enjoy a coffee near the insurance office.
Are there dining options close to The Stewardship Group?
Yes, options like The Reedsville Creamery, Revival Kitchen, Corner Vault, and Toots' Place provide a variety of dining experiences near the office.
Where can I find personal care or shopping services near The Stewardship Group?
You can visit Hello Beautiful Hair Co. for hair care, Gritwell for fabric and bags, or Little Genovia boutique for shopping nearby.