stranded in your
car during a
Stay in the
Tie a piece
out of every
a match or
melt it into
Toys for Tots
it is our
support the work
of the Marines
in the USMC Toys
goal is both
They want every
northwest PA to
have at least
one toy to open
serves as a
for this worthy
stop by and
donate a new,
The Marines are
gifts for kids
of all ages.
They will be
toys to needy
09-21-12 ERIE PA
offers this as
part of the Auto
the event of a
total loss to a
provided for the
value of the
auto and the
amount due under
the terms of the
lease or loan,
less items such
us for other
we can answer
you may have.
Auto Insurance -
09-07-12 ERIE PA
offers this as
part of the Auto
reduced by $100
year that your
policy has been
in force. This
is up to a
maximum of $500.
reduced to less
than $100 in
us for other
we can answer
you may have.
08-29-12 ERIE PA
When you look
down the road to
what do you see?
on the porch of
a cottage by the
lake, or perhaps
want your golden
years to be, the
time to start
One simple way
to get started
savings is with
known as an IRA.
The term “IRA”
to a variety of
that offer tax
Some of the most
common types of
– If you
For 2011, up to
$5,000 can be
age 50 may
extra $1,000 for
Roth IRA –
a Roth IRA are
benefit of a
Roth IRA is that
there are no
age 70 1/2.
SIMPLE IRA – Are
SEP-IRA or a
SIMPLE IRA could
Not sure which
plan is right
for you? Not to
worry. Just like
we helped you
clarify how much
need for your
we can help you
figure out which
IRA best fits
and your goals,
and how much to
let’s get you
ready for those
we can answer
you may have.
Trust and Life
08-14-12 ERIE PA
It’s amazing how
often we trust
each other every
day with issues
great and small.
We trust that
the cashier at
store will be
honest and give
us the right
change. We trust
that when we get
into our cars,
drivers will be
safe, and we’ll
arrive at our
without harm. We
around us every
day to treat us
keep us safe.
trust deserve to
will you afford
you want and
will take care
of your family
in case you
realize it or
not, you already
know someone you
can trust with
us. You already
trust the Werle
to take care of
your car. Maybe
you trust us to
house, too. And
if you haven’t
future and your
family in the
same way, it’s
time to do so.
Let’s sit down
and really talk
this case, you
turn out all
trusting us to
help you make
the right call.
we can answer
you may have.
07-27-12 Erie PA
Auto and Home
One day, you’re
breakfast when a
tree limb from
that big oak
decides to join
you in the
leaving you with
a lot of damage
and a big mess.
What do you do
Your first call
should be to
your ERIE Agent.
Not only does
this let us get
as soon as
possible, we can
also help in
other ways. We
live and work in
and we know the
here. Let us
we know will do
the job, and do
it right. Of
to use your own
when you just
want that tree
limb out of your
that help is on
the way can be a
We can also help
you find an auto
repair shop that
will meet your
needs, and a
know you can
Let us help you
and mechanics to
get you back to
your life as
with us. Then
you’ll only ever
have to worry
about making one
call: to your
we can answer
you may have.
07-10-12 Erie PA
Admit it: putting your 16 year-old
kid behind the wheel of a car is one
of the most nerve-wracking things
you can do as a parent. After all,
you remember the first time he rode
a tricycle—how can you let him steer
a two-ton machine?
Most kids do their best to stay
safe when they’re driving, but some
have a hard time keeping their
fingers off their phones. If you’re
concerned about your child texting
while driving, there are a few steps
that you can take.
Some parents like to make sure
their kids aren’t texting by
blocking texts. Many apps for smart
phones can make sure that your
child’s phone is locked while
they’re driving, ensuring they keep
their hands on the wheel and their
eyes on the road. But a simpler
solution may be to just set a good
example when you drive. Do you keep
all your attention on the road? Do
you wait until you’re parked to
answer that call or respond to that
text? If so, your child is more
likely to resist those impulses too.
For more information and resources
on how to help your child learn to
be a safe driver, look at
Erie Insurance’s Lookin’ Out
teen safe driver program. You and
your teen will find great resources
on every aspect of safe driving. Or
talk to us. We work with families
like yours every day to keep drivers
safe on the road.
How are we doing? Do you appreciate
the information and service you get
from Werle & Rushe Insurance, or do
we have room to improve? We want to
hear from you! Take a few moments
and send us a comment here
email@example.com, and tell us
how we’re doing!
Protect Your Home from Summer Storms
[07-03-12 Erie PA]
Auto, Home, Condo & Tenant Insurance
Ah, summer. Time for barbeques on
the back patio, baseball and ice
cream. We hope your summer is full
of nothing but sunshine, but
unfortunately, some of nature’s most
powerful storms take place between
swim meets and summer strolls. Be
sure to get your house ready for
tornado season with a few simple
Trim your trees: Get rid of any
overhanging tree branches that
may blow onto your house. Pay
special attention to deadtrees
and limbs, which are especially
prone to falling.
Check the roof: Roofs are one of
the weakest parts of your home
when it comes to tornado-force
winds. Make sure you don’t have
loose shingles, which can easily
be blown off in a storm.
Shut it up: If you have exterior
shutters, keep them closed when
a storm is on its way to keep
your glass intact.
Sometimes all the prevention in the
world isn’t enough in the face of a
tornado. Is your home protected in
case of a total loss? Talk to us;
we can help make sure you have the
coverage you need.
Did you find this information
useful? Happy with your service from
Werle & Rushe Insurance?Consider telling a friend
about us. It’s the highest
compliment we can receive!
Understanding Your Policies – Auto
[06-21-12 Erie PA]
Auto, Home, Condo & Tenant Insurance
A meteor hits your home. Are you
covered? You hit a deer with your
car. Covered? While we’re always
here to help walk you through the
intricacies of yourERIEpolicy, here
are some basic rules of thumb about
home and auto coverage. Specifics
depend on your policy, and please
call us if you have questions.
Home insurance typically falls into
two broad categories: coverage for
your home itself, and coverage for
your possessions. For structural
coverage, you’re usually covered for
damages caused by fire, wind, hail
and lightning, but earthquake and
flood insurance must be purchased
separately. For your personal
property, if your possessions are
stolen or damaged by a covered
disaster, you’ll typically receive
50-75 percent of your total
insurance amount to replace them.
Expensive items like fine art or
jewelry may require additional
Auto insurance covers a broader set
of circumstances, including
collision (accidents), comprehensive
(damage not caused by an accident,
like a rock hitting your windshield
or damage from theft), uninsured
motorist coverage, property damage
coverage (to repair someone’s
damaged property, like a light pole
or a mailbox), medical coverage (to
cover injuries you or your
passengers sustained in a
collision), and bodily injury
liability (to protect you from
lawsuits). Seems like a lot? It is!
One of the best things that you can
do to protect both your home and
your auto is to bundle your
coverage. Why? It means that you
have one go-to person to explain
your insurance questions, and you
can save some serious cash. In the
meantime, we do hope you’ll call if
you have questions about what’s
covered in your auto or home policy.
Driver’s Ed Isn’t Just Kids’ Stuff
[6-18-12 Erie PA]
Auto Insurance / Discounts
When you think of driver’s
education, do you remember sitting
in a school desk watching videos of
car crashes and listening to the
teacher talk endlessly about brake
fluid? Believe it or not, driver’s
ed can be extremely useful—and keep
you safe on the road. In fact, we
think driver’s ed is so important
that taking a class can save you
money. And not just for new drivers,
It’s good to get a refresher course
sometimes, and that’s why in many
places, drivers over the age of 55
can get a break on their premiums
when they take an accident
prevention course. It never hurts to
brush the old skill set off, and you
might even learn a thing or two –
while keeping some cash in your
If you’re the parent of a new
driver, we strongly recommend
enrolling them in a driver’s
education program. Not only will it
give them a better understanding of
the rules of the road and keep them
safe on the streets, you can also
save money on their policy. It’s a
win-win for everyone.
So don’t be afraid to step back
into the classroom, no matter what
your age, and learn some new driving
skills. You might be surprised at
what you learn—and at what you can
buy with your savings! Call us today
to learn how Erie Insurance is
committed to saving you money and
keeping you safe
What to Do After a Car Accident.
06-14-12 Erie PA
of tires. The shriek of brakes. The tinkle of broken
glass. These aren't sounds that anyone wants to hear,
but car accidents are part of modern life. How you
react after an accident can make the process of getting
back on your feet a lot easier. So keep calm and start
picking up the pieces. Here’s a checklist to keep in
Get out of the way--: If the accident
happened in the middle of the street, move to the
shoulder or another safe location to check the extent of
Check for injuries: Are you okay? Your
passengers? The people in the other car? Safety should
be your number one priority. If you're in doubt, call
Call the police if necessary: If there
are injuries, extensive damage, property damage, or you
need help moving your cars out of the roadway, call the
police. Afterward, make sure you get a copy of their
Exchange insurance information: So you
can make a claim, make sure you get the other driver's
name, phone number, address, license plate number, make,
model and year of the vehicle, and insurance number. No
need to discuss who's at fault in the accident. The
claims investigation will clear that up.
Document: Take careful note of the
scene. If you have a smart phone or camera with you,
pictures can be a huge help. If there are witnesses,
don't interview them yourself—just get their name and
Call your Agent: Call us any time, and
we'll get the ball rolling on your claim right away.
And that's it—we'll take it from here. By
keeping a cool head and following these simple steps,
you'll have a great foundation to a quick, painless
claim. Have other questions about what to do after an
accident? We're always here to help.
insurance products are subject to terms, conditions and
exclusions not described here; we can answer any
questions you may have.
Hit by an
Uninsured Driver. Now What?
06-13-12 Erie PA Auto, Motorcycle
& ATV Insurance
to do everything by the book, but not everyone does. You
do your best to protect yourself and your vehicle with
auto insurance, but uninsured drivers are out there
every day. A 2011 study by the Insurance Research
Council estimates that 1 in 7 drivers are uninsured. So
chances are pretty good that you might wind up in an
accident with a driver with no insurance. What happens
Luckily, you can protect yourself with Uninsured
Motorist Coverage. This add-on policy is exactly what it
sounds like: extra coverage that makes sure you aren't
left holding the bill if you're injured in an accident
with an uninsured driver. Expenses for injuries from car
accidents can add up quickly, and without insurance, the
financial hardships can be tough to overcome.
add-on is Underinsured Motorist Coverage. Some drivers
meet the minimum state requirements for insurance, but
the payouts are too small to help you in the case of
serious injuries. That's where ERIE's coverage comes in,
making sure that you get just compensation for your
injuries—even if the other driver’s insurance isn’t
sufficient to make that happen.
just doing our best to look out for you. If you have any
questions or are interested in adding uninsured or
underinsured coverage to your policy, let us know, and
we'll be glad to walk you through the whole process.
Stay safe out there!
insurance products are subject to terms, conditions and
exclusions not described here; we can answer any
questions you may have.
Insurance for Adult Toys
05-18-12 Erie PA
Motorcycle, Boat, ATV & RV Insurance
like our toys…and I’m not just talking about kids’
toys! Adults like toys, too. And some of them require
Erie Insurance Homeowner program is more generous than
many others, offering limited coverage to boats under 25
FT with motors under 75 HP. ATVs, RVs and motorcycles,
even those designed exclusively for off-road use, do NOT
have automatic coverage.
offer a number of carriers for motorcycle insurance –
Erie, Progressive, Aegis and American Modern. We will
gladly shop for you to find the best value.
Let’s talk TOYS!! Contact us for details.
Ricardo’s Restaurant Fire, Recovery. Re-Opening
04-13-12 Erie PA
Business owners never want “that call” from the fire
department. But the owners of Ricardo’s Restaurant in
Erie, Pete West and Cathy Merski, received it very early
on April 11, 2011. The journey from devastation to
their November 12, 2011 Grand Re-Opening is a story
worth telling. Click on the YouTube video as Pete West
recounts their business recovery.
agency tries to engage business owners in a professional
review of their needs, some obvious and some
not-so-obvious. Talk to us about protecting your
business. Contact us for details.
Our 15th Anniversary!
04-05-12 Erie PA
Personal & Commercial Insurance
typically use this space to educate readers about a new
product or how to minimize their risks regarding Auto,
Home, Life or Business Insurance. Today, we want to
offer a very simple message – THANK YOU!!
agency dates back to the 1950s. It has undergone several
changes of ownership. The Werle & Rushe Agency was
formed in April, 1997. History buffs can read the
“Agency History” section of our website for more
It continues to be our
privilege to serve the insurance needs of so many
families and businesses. We thank you for your business
Someone Stole My Tools!
03-16-12 Erie PA
Commercial Inland Marine Insurance
are a contractor working in a nice neighborhood. It is
too much trouble to gather up all of your tools,
equipment and inventory at the end of a long day…just to
start over again in the morning. So you lock it up
on-site. And when you return the next day, everything
Commercial Inland Marine Insurance may sound like it
covers boats…big boats. But the word “inland” means
this is special coverage for things typically used on
land. And this inexpensive protection can really make a
difference on that awful day I described above.
Consider this. We recently quoted a Commercial Inland
Marine policy for a heating and air conditioning
installer. By paying about $75 a year, he now has
$2,000 in Tools Coverage; $3,000 in Contractors
Equipment Coverage; and $4,000 Installation Coverage
(protects the furnaces and other items he brings to
sites for installation)
Don’t let an awful day
interrupt your business and cost you thousands! Call us
29, 2012 – Where Can You Get Your Damaged Car Repaired?
Accidents happen. Even when no one is hurt, they create
inconvenience and uncertainty about the repairs. Where
can you have the car repaired? Who will guarantee the
Insurance carriers have to strike a balance between
“consumer choice” and “informed recommendations without
steering”. And Erie Insurance balances those concerns
may have your car repaired at any body shop – honoring
“consumer choice”. Erie also offers a network of Direct
Repair Program shops. These independent shops must meet
certain standards; they guarantee their work; and Erie
supplements the shop guarantee for the first
year…offering “informed recommendations”.
Accidents are always
inconvenient. But Erie Insurance can efficiently get
you back on the road…with confidence! Call us for
22, 2012 – Pay Plan Choices – Convenience AND Savings!
Insurance typically takes a chunk out of the household
budget. Payment plan options help. But did you know
that some options actually save mone
does not charge an invoicing fee on the first payment
made on any policy. For traditional paper invoicing,
they charge $5 for each subsequent invoices sent over a
policy year. So a Quarterly Pay Plan adds $15 in
payment fees over the policy year.
has also responded to consumers who state they should
get a break for paying in full; paying very early in the
policy year; or paying electronically and saving Erie
the expense of paper invoicing.
You could choose Express Pay - Monthly EFT
(automatic electronic funds transfer) from your
checking account for a two-fold advantage. First,
you can budget 12 payments over 12 months. And
there are no pay fees for this option.
You could elect to pay in 3 installments over the
first 60 days – Day 1, Day 30 & Day 60. This would
also avoid all pay fees. And with Erie Personal
Auto policies, the news is even better – a 5%
discount on your annual premium!
You could elect
to pay in full and avoid all payment fees. Once
again, there is a special advantage for Erie
Personal Auto policies…a 7% discount on your annual
us show you a pay plan that fits your budget…and might
even save you money!
15, 2012 – Can You See (safely)?
just returned from a family vacation in FL & NC…visiting
with family…enjoying the warmer weather. The “white
welcome home” blanket started in West Virginia as we
drove home. Upon arrival back in Erie, I anticipated
the chore of unloading the car. But I also had some
other tasks ahead, including shoveling the driveway and
Another job also awaited me. Our black car was encrusted
in road-salt spray. It was more than just an “appearance
thing”. I grabbed the bottle of window spray and some
paper towels and went to work. I cleaned the windshield
and the rear window of our little SUV. The side windows
and mirrors came next. Then I finished the job by
cleaning all the lights – headlights, turn signals, fog
lights, taillights, and back-up lights.
oft-forgotten piece of the puzzle creates amazing
results! And it is one of those little things, a few
moments of time and minimal expense, but it can really
make a difference and avoid an accident.
Let’s be careful out there, especially when dealing with
2012 – Who Would Steal MY Car?
story lines in most movies, TV shows and books paint a
vivid picture about stolen cars. Thieves dressed in
black, with perfect coordination, speed off into the
darkness with a nearly-new exotic sports car.
news from the National Insurance Crime Bureau may
surprise you. The NCIB has updated its “Top Ten” list
of Most Stolen Cars using 2010 data. Here they are…#1 –
1994 Honda Accord; #2 – 1995 Honda Civic; #3 – 1991
Toyota Camry; #4- 1999 Chevy Full-Size Pick-Up; #5 -
1997 Ford F-150 Pick-Up; #6 – 2004 Dodge Ram; #7 – 2000
Dodge Caravan; #8 – 1994 Acura Integra; #9 – 2002 Ford
Explorer; and #10 – 1999 Ford Taurus.
you may want to be more careful about those “ordinary
wheels”. Park carefully. Look for lighting in your
parking area. Lock your vehicle. And talk to us about
Comprehensive Coverage – affordable protection against
theft, vandalism and more. Call us for details!
2012 – Contractors Insurance – Am I Really Covered?
contractor, you want to concentrate on your trade, not
insurance. You obtain General Liability insurance and
think “I’m covered”. But additional insurance may be
needed for very common occurrences.
you rent a warehouse/storeroom, that specific space is
not covered by General Liability because it is under
your care, custody and control. You need “Legal
Liability / Premises Rented to You” protection. This is
usually provided on a General Liability policy, but the
limits may need to be upgraded.
item you are installing in a customer’s home or business
is typically excluded, also because it is under your
care, custody and control. Voluntary Property Damage, an
inexpensive option, can resolve this problem.
Imagine if you lost your Professional Tools; Equipment;
Computers; Items Drop-Shipped to Sites for Installation;
or Items in Shipment (within your own vehicle). There
are very affordable remedies for these concerns on
Commercial Inland Marine policies for small
contractors. Call us for details!
2012 – I Can’t Get Home Insurance!
People are sometimes very frustrated because they have
been searching unsuccessfully for home insurance. They
cannot insure their personal home; mobile home; seasonal
camp-home; or rental property. They have been told the
home is too old, too low in value and more.
at our agency, we feature a wide array of property
insurance products from Erie Insurance and Millville
Mutual. We have access to other carriers. And we also
help people obtain coverage through the PA FAIR Plan.
have enabled residents of older mobile homes to get
insurance, after others told them their homes were too
old. We assisted an investor to reclaim an old building
and help restore a neighborhood – storefront &
apartments deemed uninsurable by another agency. We
helped a policyholder cover his hunting camp – an old
1-room schoolhouse with an outhouse and no central
every home is insurable. But in many cases, a home is
someone’s most expensive investment. And we try very
hard to help protect that special asset. Call us for
2012 – Letter to the Editor from a Policyholder
can’t say it any better. A policyholder wrote this
letter and it was published in the Erie Times-News on
January 2, 2012.
partner Cathy Merski and I would like to thank Erie
Insurance for all of its help in getting us back in
business. Don Werle and John Rushe, Erie Insurance
agents, diligently worked with us to see that every
detail was handled properly. Bill Cavanaugh, claim
specialist, saw to it that we were covered 100 percent.
can’t thank these guys enough. Our beautiful restaurant
is now open and being enjoyed by our many friends in the
community. The support has been overwhelming!
Peter West – Ricardo’s Restaurant, Erie
2012 – Reflections of an Independent Insurance Agent
Perhaps I should say, “Why do I like being an insurance
Day-to-day, we enjoy hunting for the best values among
the carriers we represent. And we are thrilled when we
hear policyholders tell us that no one had ever
explained it to them so well in the past.
recent events have really reminded me why I like this
profession. These are true stories about some of our
number of years ago, a policyholder lost their home to a
Christmas season fire. They have enjoyed multiple happy
Christmases in their new home since then…thanks to
Local business partners watched their restaurant be
engulfed in flames earlier in 2011. Now, they are
re-opened and celebrating the holidays with their
patrons…thanks to commercial insurance.
Several cars were declared total losses during the past
year. They are now replaced…thanks to auto insurance.
a family recently lost a wife and mother, far too early
in her life. That tragedy will not be complicated by an
accompanying financial hardship…thanks to life
is our privilege to serve as professional insurance
advisors. And we thank our policyholders for their
business and trust. We wish everyone a healthy, happy,
safe and prosperous 2012!
2011 – Toys for Tots…the Story Continues
devoted last month’s blog to the Toys for Tots
campaign. At that time, we never envisioned doing it
two months in a row. But we have been moved by
individuals in this season of giving.
Marine 1st Sgt. Scott Hesson stopped this
week to pick up a load of toys from our agency. He
shared the resolve you expect of a US Marine. And he
also shared a softer side…as they rise to this
challenge. They think they may need to serve over 8,000
children this year…and donations are down. But he
insists they are up to the task.
day, our agency is visited by policyholders, friends,
neighbors and complete strangers. They quickly deposit
new toys in the box in our lobby; waive hello; say
“Merry Christmas”; and thank us for making this
convenient. We barely get the chance to thank them
before they are out the door. Their focus is clearly on
woman visited with older dolls in mint condition.
Concerned they may not fit the Toys-for-Tots program, we
matched her up with a local shelter for abused women and
their children…a win-win. And another woman came in to
ask how her kids could qualify. We gladly matched her
up with the toy distribution team.
is our pleasure to be a drop-off site. We have been
moved by widespread need and inspired by widespread
generosity. Merry Christmas and thanks to all!
2011 – Toys for Tots
may not seem like much of an insurance topic. But
insurance policy proceeds are only one way to rebuild
agency is part of the community. And we support it in a
number of ways through the local American Heart
Association Heart Walk, the United Way of Erie County,
the Erie Together anti-poverty movement and more.
During this holiday season, it is our privilege to
support the work of the Marines in the “USMC Toys for
Tots” campaign. Their goal is both simple and
breathtaking. They want every child in northwest PA to
have at least one toy to open on Christmas Day.
agency serves as a Drop-Off Site for this worthy cause.
Please stop by and donate a new, unwrapped (no holiday
wrapping) toy. The Marines are looking for gifts for
kids of all ages.
Thanks…and Happy Holidays!
2011 – How to Reach Your Insurance Pros
was once a very easy question to answer. You reached
your insurance provider through a local agent. And you
reached that agent by telephone or by visiting his or
Faxing was added years ago. But much has changed since
then. We share news about the agency at Twitter,
Facebook, LinkedIn and this info-blog…but that has to be
tempered by privacy concerns. We can’t share info about
individual policyholders. And we still create annual
reviews for our clients, but now many of them are
can you reach us? We now have a dedicated Text Line
(814) 406-9077. Our agency website is accessible on
personal computers, tablets and smart phones. You can
use it to make a payment, report a claim, engage in
Live-Chat, request a quote, get an ID card and more.
make things even easier on the smaller devices, our
carriers are introducing apps. Erie Insurance has
rolled out an I-Phone app and will provide an Android
app by the end of the year. Progressive Insurance
already has both versions. And more will follow.
in those simpler days, we were dedicated to providing
the right coverage and then following up on service when
incidents happened. That is still the case. But we are
also committed to a convenient relationship embracing
the many ways people communicate today.
us for details!
2011 – Home Water Damage Basics
Everyone seems to have a “water problem” at some time.
But is it covered by insurance?
Typically, home insurance policies will cover the damage
to both building and contents from storm-related
incidents – wind ripping off perfectly good siding and
roofing; or crashing trees allowing rain water inside.
Burst pipes are uncovered maintenance items, but many
policies will cover the damage they create (not the
plumbing repair itself).
Back-up of a sewer or drain is also an uncovered
maintenance item, but many policies offer an option to
cover the surrounding damage.
Flood insurance is available through our agency to cover
damage due to general conditions of flooding. Rates are
higher in high-hazard area. We also offer FEMA’s
Preferred program, providing more affordable rates in
areas less likely to flood.
Call us for details!
– New ERIE Rate Lock SM Personal Auto
you facing an auto insurance rate hike?
Ask us about ERIE Rate LockSM for locked-in
premium…even if you submit a claim! Rates change when
you change a driver, vehicle or your primary address.
offers tremendous coverage features, low premiums, and a
wide array of payment plans to meet the budget of any
household. And now they offer Rate Lock! Call us for
details and to see if you qualify.
July 2011 –
New Payment Plans from Erie Insurance
already offered a variety of payment plans that offered
both flexibility and savings. This includes account
billing for multiple Erie policies. They have now
expanded their options even more. .
semi-annual, and monthly paper invoicing (9 to 12
months) are available. These plans have installment pay
fees to cover the costs of preparing a paper invoice;
mailing it; and recording the related payment. But Erie
charges only $5 per payment, regardless of the amount of
premium. This payment fee is typically lower than
competitors. And there is never a fee on the first
payment of the policy year.
withdrawal offers tremendous convenience – no checks to
write! Additionally, this option spreads payments over
12 months…with no pay fees! Paying in full or over 3
payments in the first 60 days also avoids pay fees.
tremendous coverage features, low premiums, and a wide
array of payment plans to meet the budget of any
household. Call us for details!
June 2011 –
“Guaranteed Home Replacement Cost”
UltraCover Homeowner policy is unique in several ways
compared to the competition. Most competitors offer
Replacement Cost claim settlement. This eliminates
deductions for age, wear, tear and deterioration at the
time of a claim.
allows you to focus on Full Replacement Cost – the
estimated cost for rebuilding you home just as it was
pre-loss. And for older, pre-WW II homes, we even offer
the flexibility of Functional Replacement Cost – using
modern building materials and techniques.
you choose, Full or Functional Replacement, Erie stands
behind you on the UltraCover with the Replacement Cost
Guarantee. Subject to policy conditions, they will
exceed the amount of coverage on your policy to
completely rebuild your home. Some competitors won’t go
above the stated limit. Others offer only “extended”
replacement cost coverage – exceeding the printed limit
by only 10%, 20% or 25%.
Contact us for
the details. See why the UltraCover is so special!
May 2011 –
“There’s an App for Erie Insurance??”
language now includes the phrase “There’s an app for
that”. That list now includes ERIEmobile, the Apple
application compatible versions of the iPhone, iPad and
iTouch (requires iOS 4.0 or higher).
app is available by logging in as you do with other
Apple apps. Identify yourself as a policyholder with an
Erie Personal Auto policy. The download steps will take
it from there.
With this app,
you’ll be able to conveniently report accidents, request
ID cards and more. This technical innovation from Erie
Insurance supports our agency objective – “24/7 Website
Convenience PLUS Local Personal Service”.
– “I’m Better Than The Average Driver!”
You should pay
less for Personal Auto Insurance if you are a better
driver, right? Progressive, one of several carriers we
represent, now gives you the opportunity to prove it…and
earn discounts! Introducing “Snapshot” by Progressive -
device, about the size of a computer mouse, is inserted
into a receptacle found under the dash in most cars
built since 1996. After 30 days, you may qualify for
discounts. After 6 months, you may qualify for renewal
premium discounts. At that point, you simply return the
how often you use hard braking; how many total miles you
drive; and whether you regularly drive at peak accident
periods – rush hour and between midnight and 4:00 a.m.
Premiums will not go up based on the data.
If this sounds
interesting, give us a call!
– “My Car Doesn’t Run. Do I Need PA Auto Insurance?”
illogical to pay for insurance for a car that does not
run. But there are legal concerns and premium
considerations before dropping coverage.
Department regulations require all registered vehicles
to be insured. There is no automatic exception for a
disabled car. If you want to remove the insurance prior
to the expiration of the registration, you will need to
return your plate to PennDOT.
savings may be relatively small for removing a disabled
car for a short time. Removing CAR #2 of a 2-car policy
will cause the rate on CAR #1 go up since the Multi-Car
discount will be removed.
Feel free to
talk to us about special circumstances. Our goal is to
provide the coverage you need when you need it; at the
lowest cost; while avoiding fines and penalties.
2011 – “I Have a Home Business. Am I Covered?”
cell phones and other devices make it possible to have
the “virtual office” at home. Music lessons and other
services may also take place at home. Does homeowners
insurance cover this? It is likely limited coverage, if
it is covered at all.
the home may be injured. The policy envisions visiting
friends and relatives. Patrons, associates and vendors
are excluded. But coverage for many small businesses
may be available as an option.
in business, special software, office furniture,
inventory samples, and other items may only have limited
protection. Again, an inexpensive option may increase
the coverage to meet your needs.
business policy is needed for some situations. Ask us
about the details.
2011 – “I’m Renting a Car on Vacation. Am I Covered?”
distant destinations is fun, but renting a car there
raises new questions. Carriers typically extend
Personal Auto Insurance to the US and Canada, but some
are more restrictive.
will extend coverage to the rental car, treating it like
a substitute for your car back home. This means your
liability and medical coverages will follow you. Damage
to the rental car itself will be subject to the
Collision and Comprehensive deductibles on your policy.
agencies may charge a fee to investigate an accident –
typically an out-of-pocket expense. They may also
request Loss of Rental Income from the day of the
accident until the car returns from the body shop; even
when they have other similar cars available for rent.
Limited coverage may be provided.
You can buy
“coverage” at the car rental agency. These are not
always actual insurance policies, so they may not be
regulated, and they may vary widely. Feel free to ask
us about the details.
2010 – “Is It a Flood? Am I Covered?”
insurance policies exclude certain types of water damage
– overall flooding of the area; seepage of water through
foundation walls; and back-up of sewers, drains or
sumps. Some of these concerns can be addressed with
The concern of
overall flooding typically requires a stand-alone Flood
Insurance policy. We offer such coverage for homes,
commercial buildings, condos, mobilehomes and other
properties. Anyone can experience a flood, whether you
live in a high-hazard or low-hazard zone based on
The back-up of
a sewer or drain can damage the furnace, basement walls,
interior walls and your contents. Most policies offer
optional coverage for around $50 per year.
ground water is not a covered loss on a Homeowner
policy. Flood insurance rarely covers this gradual
intrusion as well.
website or call us for details!
2010 – “Residential Condos – Who’s Covered?”
look like apartments, townhomes, and traditional
1-family homes. Condo ownership creates individual unit
owners and a common association of those same unit
association policy will rebuild common areas – tennis
courts, pools, recreation centers, storage buildings and
more. It will also rebuild the buildings that include
the living units. That master policy will rebuild the
interiors of the individual units as well – to standard
owner should have a unit-owner policy to protect
furnishings, appliances, electronics, clothing as well
as upgrades – better floor coverings, upscale cabinetry,
additional fixtures, building additions, and other
association and the unit owners should have liability
protection. The association needs protection in case
someone is injured or property is damaged due to
association negligence. Each unit owner also needs
protection in case individual negligence causes injury
or damages property.
The Unit Owner
policy may create a Multi-Policy Discount on Personal
Auto Insurance, greatly reducing the net total cost.
Visit our website for details!
2010 – “Tenant & Landlord – Who’s Covered?”
apartments, townhomes, mobile homes and traditional
1-family homes. Sadly, many assume the landlord has a
policy protecting the tenants. The owner of the home
can protect the home itself, furnishings and appliances
provided, and provide liability protection – for the
landlord’s protection in case someone is injured or
property is damaged due to the landlord’s negligence.
needs protection for his/her clothing, furniture,
electronics, appliances and other belongings. Also, the
tenant needs liability protection in case the tenant’s
negligence injures a visitor or damages property – most
likely, the landlord’s building.
The good news
– most Tenant Insurance policies cost between $100 to
$150 per year. And they may create a Multi-Policy
Discount on Personal Auto Insurance, greatly reducing
the net total cost. Visit our website for details!
2010 – “Homeowner Coverage Basics”
insurance” policies the same? NO! Different needs
require different types of policies. For example, do
you want to insure your home for Full Replacement Cost –
probably so, especially if it is newer. An older home
(pre-1940) may need Full Replacement Cost, especially if
you want to restore it using old-style construction.
But you also have the option of Functional Replacement
Cost – using modern building materials and techniques.
contents may also require special coverage – jewelry,
collectibles, boats, trailers and more. Unique
activities may also require special attention, such as
an in-home business. And there are also special
options such as Identity Recovery Coverage – a
policies can insure traditional homes, condominiums as
well as rented homes and apartments. Visit our website
August 2010 – “PA Auto ID Cards”
Your car needs inspected…or you are just about to start
a vacation…or you simply can’t find the current card.
Call us and we will mail, fax or e-mail a replacement
card. You can also conveniently visit our website and
print your own cards – click on the ID CARD tab.
a reminder, PA ID cards are issued for 6-month periods,
even for 12-month auto policies. Cards are
automatically mailed from the Home Office.
Another reminder, if your travel takes you north, you
will need a special Canadian ID card. We can furnish
those as well. Sorry – they cannot be printed on a home
strive to provide 24/7 website convenience PLUS local
personal service. Give us a try!
July 2010 – “Boat Insurance Basics”
My homeowners insurance covers my boat, right? Well,
maybe. Erie’s HomeProtector policies are more generous
than most. They extend liability coverage to small
boats (under 25 Ft and 75 Hp) in case you injure a
swimmer, strike another boat or have another type of
But many boaters need a stand-alone boat policy. Proper
coverage can protect your boat, motor, sails, trailer,
accessories and even provide extra protection for your
passengers. Safety devices and courses offer discounts
to make coverage even more affordable!
Call us for details. Let us tailor protection to make
your time on the water even more relaxing!
– “Replacement Cost Coverage – Personal Autos”
insurance policies offer Actual Cash Value settlement
for totaled vehicles. This enables policyholders to
replace the car with a similar used car. Erie
Insurance also offers the option of Replacement Cost
settlement, providing a path to a brand-new car as the
benefit is part of the New Auto Security Coverage
Endorsement, available to original owners of new cars.
This package also includes Lease/Loan Security Coverage
in case your loan balance exceeds the vehicle value at
the time of a total loss.
for details and to see if you qualify for this upgrade
May 2010 –
“Payment Plan Discounts”
policies offer the convenience of paying premium via
installments. This helps with household budgeting.
Carriers charge for the preparation and mailing of
invoices. Those who pay in full do no incur these fees.
eliminate or reduce the installment fees when you elect
to pay by scheduled Electronic Funds Transfer – EFT.
Payments are typically swept from a checking account on
the same day each month.
the base premium for Personal Auto insurance may also be
available. For example, in addition to avoiding
installment payment fees, Erie policyholders receive a
7% discount on their auto insurance premium by paying in
full for the policy year.
– “Driver Training Options for Teens”
worry when the kids are old enough to drive. We strongly
recommend parental instruction…at least 50 hours in the
front seat. Make it a mixed experience – rural and urban
settings; side streets and highways; night and daytime;
drive-thru windows; on-street, garage and lot parking;
many parents seek a formal Drivers Education class.
Certificates for 30 hours of classroom AND 6 hours of
road experience by authorized instructors are needed for
an Erie Insurance discount. Our website’s Consumer Info
section links to a PA Department of Education site
There is a new
option for the classroom instruction – on-line training.
Cantors and DriversEd.com (Henry & Joe’s Driving
School) are approved on-line providers.
Check our link for the entire list.
– “Winter Home Hazards”
presents special concerns. Your homeowner policy offers
coverage for injured guests. Most policies also cover
damage from ice dams on the roof and burst pipes inside
are unavoidable, but many could be prevented or
minimized. Make certain handrails are secure since they
are more likely to be used in bad weather. Please clear
pathways outside to reach doors to your home. Knock down
icicles above doorways that could fall on someone.
Consider using a roof rake to clear heavy snow. Long
term, look at excessive ice build-up and re-visit roof
drainage and insulation needs.
traveling, turn off the water supply – usually done by
simply turning a knob inside a utility room or basement.
This removes the pressure if a leak develops while you
are away. Maintain minimal heat to prevent standing
water in drains from freezing.
2010 – “Erie Insurance Now Accepts Credit Cards”
Erie offers a
variety of convenient payment plans. This includes
ExpressPay, an automatic EFT plan that offers the
convenience of 12 payments over 12 months without paper
options continue for those who prefer a “bill” - annual;
0-30-60 days; semi-annual; quarterly; 9-pay; and account
billing. They can be paid by mail, in person at our
office, or at our website (www.wrins.com)
using the Pay Bill feature. That connects you with the
Erie Insurance website at the correct location to make a
one-time payment. You can use bank account info, Visa or
MasterCard. These are “one-time” payments, not automatic
recurring withdrawals. You can enter your information
each time or Erie offers the option of creating an
on-line customer account for return visits.
your best option!
January 2010 – “Snowmobiles & ATV's"
Do you like rushing across fields and trails? Or do you
need some mechanical help with firewood, snow-plowing
and other jobs that are more challenging in the winter
weather or remote locations? ATV's and snowmobiles are
sometimes the perfect answer.
But what if you have an accident? Some homeowner
policies offer limited coverage...ONLY if the vehicle is
used SOLELY to maintain the property - no recreational
riding, no riding off your own property. Auto policies
will typically NOT give automatic coverage for these
There are ways to properly and inexpensively insure
them. They can be added to some existing Personal Auto
policies; written on separate policies; or added to some
Let us ask a few questions. We can close the coverage
gaps and allow you to ride with peace of mind.
December 2009 – “Jewelry & Other Special Coverages”
So…what do you collect? What items of value, special-use
or special-interest do you own?
homeowner policies have special limits, especially
regarding theft, of personal property that is not simply
furniture, clothing, household electronics or
appliances. For example, theft of jewelry may be
limited to $3,000 (Erie Insurance; $2500 Millville
Mutual). A computer used for business may be limited to
$2,500 coverage at home and only $500 (Erie Insurance;
$250 Millville Mutual) away from home.
Jewelry, watches, furs, stamp or coin collections,
antique guns, business computers, paintings, sculptures
and other valuable items can be easily and affordably
covered under a separate Inland Marine policy or
attached as a rider to your home policy.
us ask a few questions and we can offer customized
coverage for your valuable possessions.
2009 – “Equipment Breakdown”
The furnace just malfunctioned
and exploded! Luckily, no one was hurt. But there was damage
to the building and the nearby contents. Are you covered?
The answer is typically “yes”,
you are covered…for the damage to the building and contents.
The furnace itself is commonly excluded as a mechanical
failure…making it a maintenance expense.
Erie Insurance offers
Mechanical & Electrical Breakdown coverage for commercial
policyholders. Millville Mutual offers Equipment Breakdown
coverage for homeowners. For a little extra premium, the
furnace in the example above would also be covered. Call us
to check out the details of this inexpensive upgrade in
October 2009 – “Identity Recovery”
pretended to be “you”… perhaps using your banking info, Social
Security card or other forms of ID. Perhaps you were one of the
lucky ones – little or nothing was actually stolen. But now you
have to safely REBUILD YOUR IDENTITY. Where do you even begin?
our property insurance carriers, Erie Insurance Exchange and
Millville Mutual, offer ID Recovery coverage. Surprisingly, this
benefit only costs $20 per year. It provides a year of
professional services and thousands in expense reimbursements.
Contact us for more details.
– “Erie Insurance Now Offers On-Line Features”
It is 6:00 a.m. You are ready to leave on a vacation road-trip in a
few minutes. A final check of the glove box confirms you have maps,
registration, warranty info...and an EXPIRED INSURANCE ID CARD!
Through our agency website, you can easily print that Erie Insurance
ID Card on your home computer. Simply choose “ID Card”, then supply
your policy number and birth-date.
Our agency website also enables you to do the same with Progressive
and Infinity policies.