Nine Reasons to Check Your Coverage

As our lives change, so do our insurance needs. Letting us know about changes can ensure that you have adequate insurance coverage through Erie Insurance. Here are some examples of when to check your coverage:

1. You’re remodeling or building an addition to your property. When you hire the contractor, request a certificate of insurance to confirm their liability and workers’ compensation coverages. Review the certificate and your homeowners policy with our agency. In some cases, remodeling projects can increase your home’s reconstruction cost.

2. Your teen starts driving. If a teenager in your home is learning how to drive, that means you’ll soon need to help them purchase insurance. We can guide you through the process, find the best way to add them to your policy and provide materials about safe driving behavior.

3. You got a new job. If you have accepted a position and the work commute is shorter or longer, call us. A significant change in annual mileage could warrant a change in your auto policy. (And that could save or cost you money.)

4. You bought a new ride. If you’ve purchased or leased a new or used vehicle, your insurance policy needs to be updated. Car dealers are required by law to confirm insurance coverage, but only you can make the necessary changes to your policy to make sure you’re fully protected.

5. You’re saving a buck with refinancing. When you’re taking advantage of lower interest rates by refinancing your home or vehicle, your policy should be updated to reflect any new mortgagee or lienholder.

6. Your family’s growing and changing. When you get married or welcome a new baby to the family, the new responsibilities may warrant a change in your home, auto and life insurance coverage.

7. You’ve bought a little luxury. When you purchase valuables such as a diamond ring or a rare piece of art, you should contact your agent. Your homeowners policy covers personal belongings and furnishings, but higher-valued items may have coverage limitations. An endorsement may be advisable for more costly or unusual items.

8. You’ve decided to work from home. If you’re starting a business out of your house, let us know. Depending on the equipment and the nature of your work, an endorsement or separate policy may be necessary to protect your investment and liability exposures.

9. It’s time to retire. Ready to kick back and relax? We can help you maximize the benefits of your retirement plan with a life insurance program.*

No matter what you’re considering, contact our agency. We will assist you with life, auto or home insurance policy changes and insurance needs.*

*Erie Family Life insurance policies are 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.

Caring for Your Loved Ones

We go to great lengths for our loved ones. We work hard to provide them with a life filled with happiness, comfort and opportunity. In fact, there’s almost nothing we wouldn’t do for our loved ones. We re-arrange our schedules to never miss our kids’ sporting events. We put in extra time at work to save up for that special family vacation. We rush out of the office to make sure we’re home in time for dinner with our loved ones.

But what if you died tomorrow and were no longer around to provide for your family? Without your income and all the other things you do for your loved ones, would they be able to maintain their current lifestyle and keep future plans on track?

That’s where life insurance comes in. It can’t put your family’s life back to how it was, but it can keep your loved ones in the world they’ve always known. So if you think you need life insurance (or more than you currently have), now is the time to do something about it. What can say “I love you” better than a promise to provide for the ones you love, even after you’re gone.*

Contact Us

For information about life insurance policies that are available through Erie Family Life, contact our agency. We will help assess your life insurance needs.**

*Story is reprinted courtesy of the Life Insurance Foundation for Education (LIFE), a nonprofit organization. Go to lifehappens.org for more information.

**Erie Family Life insurance products are not available in New York.

ERIE^® insurance services are provided by one or more of the following insurers: Erie

Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty

Company, Flagship City Insurance Company and Erie Family Life Insurance

Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New

York (home office: Rochester, 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.

Something Old, Something New

Modern cars can be wonderful, but there's something about a classic that makes them timelessly beautiful. Take the Model T, for instance. It was one of the first cars ever mass-produced, but its distinctive high carriage, convertible roof and endearing headlights never go out of style.

Erie Insurance is a little like that Model T. We've been around a long time—in fact; the Model T was the most popular car when ERIE was founded way back in 1925. We got our start insuring cars, back when they were still new-fangled horseless carriages. And for the past 86 years, we've continued offering the same comprehensive, attentive and timeless service. It's just a part of who we are.

Don't get us wrong—there's a place for the new and modern. But when it comes to protection and service, you want the classic treatment.  Come see why we are an award-winning car insurer and how we can take care of your new-fashioned car with classic customer service. 

“All insurance products are subject to terms, conditions and exclusions not described here; we can answer any questions you may have.”

Is Your Insurance Company Punishing You?

As a driver, you try to do everything right. You check your mirrors when you get in the car, always use your turn signal and never text behind the wheel. But even the best drivers get into accidents sometimes—one little mistake is all it takes.

Most insurance companies think that because you make one little mistake, have one little accident, you should have to pay more in insurance premiums. At Erie Insurance, we don’t think your one slip-up should cost you more money. We’re all human, right?

When you buy insurance through ERIE, you have the choice of choosing a rate lock policy. Think of it as your “we’re only human” policy. When you have ERIE Rate Lock^SM, your rates won’t increase—no matter how many accidents you might have. The only time your rate changes is when your life changes: when your address changes, your vehicle changes or you add or remove a driver from your policy.

It’s that simple. We think your auto insurance should protect you, not punish you. Give us a call today to see whether you qualify and let’s find out if rate lock makes sense for your life. No tricks, no gimmicks, just seriously good insurance.

ERIE Rate Lock does not guarantee continued insurance coverage. Insured must meet applicable underwriting guidelines. Premium may change if you make a policy change.

Guarding Your Investments

About 80 million baby boomers are getting ready to retire in the next few years. Are you one of them?  If so, Serfass Insurance has plenty of options for your retirement needs, including traditional IRAs, Roth IRAs, annuities, and 401(k)s. It’s never too late to start preparing for retirement, and we can help.

Have you chosen a life insurance policy?  Picking a policy can be a major decision, but Serfass Insurance has affordable options for everyone. Depending on your age and situation, we can help figure out the best plan for you and your family.

Do you need help with retirement planning or picking a life insurance plan? If so, don't hesitate to contact us . We’ll help you figure out the best plan for you. And if you know anyone who needs help with retirement planning, send them our way. We’ll take care of them. 

“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.”

Snowflakes

We all know that no two snowflakes are alike. But since snowflakes tend to melt pretty quickly, it’s more important to remember that no two people are alike. For instance, some people love to talk on the phone, while the mere thought of a phone chat makes others turn green. Many people prefer to do everything on the computer, while some like an old-fashioned face-to-face meeting.

And that’s cool with us. You can get in touch with us any way you want. We’re always here for you, to answer questions about your policy, make a change to your coverage, or file a claim. Personalized attention is never more than a phone call away.

But if you prefer a cruise down the information superhighway instead, we can help with that, too. Erie Insurance agents can be reached via e-mail (but remember, never send us private information this way). If you prefer to the do-it-yourself route, you can file claims online at http://www.erieinsurance.com, look at Frequently Asked Questions, get an auto quote, or pay your bill with a few clicks of your mouse.

You should never dread getting a call from your insurance agent. So let us know: how can we contact you? We’ll listen.

“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.”

Talk To Us

No one liked taking tests in school: there was the studying beforehand, the stress during -- and the worst part -- waiting for results. But when you finally got that paper back with your grade scrawled on the top, you knew where you stood: what you knew, what you didn’t know and where you had to improve.

Most of us don’t sit down and take tests like this anymore, but it’s still important to know how we’re doing—especially if you own a small business like Serfass Insurance. We do our best to help clients like you every day. We try to make your life easier by offering the best possible coverage with the best possible personal service to back it up.

How are we doing? Are you getting the service you expect? Are we exceeding your expectations, or falling just a little short? We want to know. Click here to send us your thoughts, or pick up the phone and call us at 610-681-5785 anytime, and tell us: How are we doing?

If you feel we’re earning our A—thanks! The next time someone asks you “Hey, do you know anyone who can help us with our insurance?” maybe you’ll keep us in mind and tell them about Serfass Insurance. That’s the best test grade we could ever have.

“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.”