Secure, No Matter What

Home. The word itself is solid, warm and comforting. But what if all that were swept away in a single moment? Could you rebuild, start again, make it what it was before?

Many Americans’ homeowners insurance doesn't cover the full cost of replacing their home in case of total destruction. In fact, most Americans are underinsured by 38 percent (source: Marshall & Swift/Boeckh). That means that if your home cost $200,000, to rebuild, you could be out of pocket up to $76,000.

Things get even trickier when you take into account the rapidly rising cost of labor and building materials. Maybe it cost $200,000 to build your home 10 years ago, but today it could cost significantly more.

But when you purchase ErieSecure Home^SM, you don’t have to worry about any of that. With this special homeowner’s coverage, you’ll be able to replace your home 100 percent--guaranteed.

Is your home covered 100 percent? If you’re not sure, it’s time to find out. Call us at Serfass Insurance today, and let’s talk about your family’s needs, and how we can make your home secure, no matter what happens.

Protect What’s Yours with Life Insurance

Protect What’s Yours with Life Insurance

Congratulations! It’s what you hear when you:

A) get married

B) have a baby

C) get a new job 

D) buy a home

And when you hear it, it might be a good time to evaluate or re-evaluate your life insurance needs. You can protect the lives of your loved ones, protect your legacy, protect everything most important to you with life insurance.  The best time to look at life insurance, really, is when you experience one of these big life changes.  Here are some questions to ask yourself:

Marriage: How much life insurance do you and your spouse need now that you share expenses and financial goals?  If something were to happen to you or your spouse, would your expenses be covered and would your financial goals be met?  

New baby: Children are expensive little buggers! And we’re not just talking toys and birthday parties. We’re talking daycare, clothes, food, college…would you be able to pay for those items on one salary —or no income at all?

New job: It’s only human nature to increase spending when more money is coming in. Will your family be able to maintain their lifestyle if the income stops?

New house: Could you stay in your current home if something happened to your spouse? A lot of people, unfortunately, cannot. The costs of home ownership go beyond just the mortgage. Utilities, taxes, unforeseen repairs and other maintenance costs can cause your family to be uprooted at a time when they need stability most. When you purchase homeowners insurance, make sure you ask about life insurance as well.

How much do I need? And what type? These are the questions we can help with. We can explain the difference between term, whole and universal life insurance products from Erie Family Life* and help you choose a product that’s right for your stage of life—and your budget.

So next time you hear that big “Congratulations!” give us a call. We’ll help you keep you and your loved ones protected.   610-681-5785

*Erie Family Life insurance not available in New York

Not all companies are licensed or operate in all states. Not all products are offered

in all states. Go to erieinsurance.com for company licensure and territory

information.

Trust

It’s amazing how often we trust each other every day with issues great and small. We trust that the cashier at the grocery store will be honest and give us the right change. We trust that when we get into our cars, the other drivers will be attentive and safe, and we’ll arrive at our destinations without harm. We trust strangers around us every day to treat us properly and keep us safe.

But some decisions about trust deserve to be more carefully considered. How will you afford the retirement you want and deserve? Who will take care of your family in case you can’t? Weighty decisions with big consequences.

Whether you realize it or not, you already know someone you can trust with these things: us. You already trust Serfass Insurance to take care of your car. Maybe you trust us to protect your house, too. And if you haven’t considered protecting your future and your family in the same way, it’s time to do so.

Let’s sit down and really talk about life insurance and retirement investments. In this case, you can’t just assume that everything will turn out all right. Keep trusting us to help you make the right call. -KS