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Featured Daniel Carinci Agency, LLC Blog

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Why Everyone Needs Flood Insurance

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When you own a home in Pittsburgh, PA, it’s essential that you should have flood insurance to protect it. This is a specialty type of insurance that only protects against floods. It is needed in every area so that homeowners are protected against this highly destructive type of disaster. When you need a flood policy for your home, you can find out more about them by calling us at Daniel Carinici Agency LLC.

The National Flood Insurance Program

Flood insurance is so important to have that there is a government program that backs these insurance policies. Individual flood insurance policies can be purchased from us, but the price of the policy is set by the program. With that universal price in place, you pay the same amount for this coverage no matter where you buy it. That allows you to get the coverage that is so important to have without the need to shop around for it.

The program also guarantees the policy, so you don’t have to worry about the backing of these policies. 

Flood and Home Insurance

Many people never get flood insurance because they believe that their home insurance will pay for disasters that strike their homes. However, floods are not included in home insurance coverage. Your homeowner’s insurance will pay for floods that are caused by things like a burst pipe, but they won’t pay for the natural disaster flooding type. 

You have to have a separate policy to pay for the damages that floods can cause. A bad flood can ruin belongings as well as the building itself. Some homes need to be completely rebuilt after a flood. No matter what the damages are after a flood has occurred, your flood policy will help you to get back to normal again. 

Get Flood Coverage

To get your own flood policy, call us at Daniel Carinici Agency LLC in Pittsburgh, PA.

Does auto insurance cover a rental car?

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After not having traveled in a few years, many families are looking forward to getting a chance to vacation again. You set about getting a hotel, getting flights, and then you need to get a rental car. At Daniel Carinici Agency LLC in Pittsburgh, PA, we provide the auto insurance option that allows you to choose the insurance that meets your needs.

Auto Insurance and Rental Cars

When you begin your online search for a rental car, once you have determined which rental agency you want to use and what size car you want, you will be faced with a lot of questions about what type of insurance you would like for the vehicle you are renting. You may be confused about what type of coverage is actually provided by your personal auto insurance.  

What type of rental insurance you have is very much affected by the type of coverage you actually have. If you have a basic insurance policy that will only include liability coverage, you probably don’t need to have any additional liability coverage for the rental car. 

If you have a full coverage insurance policy on your personal vehicle, it will provide the same amount of coverage on a rental vehicle. So, if you have a relatively new vehicle, your coverage should be adequate to cover a rental car unless you are renting a luxury vehicle. 

If you have any questions about whether your insurance provides the coverage you require, give your insurance agent a call and check for sure. When in doubt, check with your credit card company whether you have car rental coverage as a perk with your credit card. It is a good backup plan. 

Contact Us Today

Give the Daniel Carinici Agency LLC in Pittsburgh, PA a call to talk about your auto insurance needs. Our team of insurance experts will be glad to assist. 

Benefits of Combining Flood Insurance With Your Home Coverage

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Living in Pittsburgh, PA means you’re at risk of floods because of its location along the Allegheny, Ohio, and Monongahela rivers. When it comes to protecting your home from flood damage, it’s essential to invest in the right type of insurance coverage. Here are some benefits of combining flood insurance with your existing home coverage policy.

What is Flood Insurance?

Flood insurance helps cover damage caused by flooding and/or water overflows, such as a broken pipe or a severe storm. This type of insurance can provide peace of mind if you live in an area prone to flooding and help protect your home and possessions from potential losses due to water damage. At the Daniel Carinici Agency LLC, we can help you find the right flood insurance policy for your needs.

The Cost-Effective Option

When you combine your existing home insurance with a separate flood insurance policy, you can save money on premiums without sacrificing quality protection for your home. In addition, most policies include additional protection for personal property and belongings damaged by flooding.

Reliable Coverage

Combining both policies ensures that they fully protect all areas of your home against water damage caused by floods or other sources, such as malfunctioning pipes or appliances. You can also know that any repairs or replacements needed after an incident are covered under this comprehensive plan.

Contact Us Today

To learn more about the benefits of combining these two types of policies, contact the Daniel Carinici Agency LLC in Pittsburgh, PA today! We’ll be happy to answer any questions you may have about combining flood insurance with existing homeowners coverage in Pennsylvania. Get started now and protect yourself from potential financial loss because of flooding!

Can I Get a Private Life Insurance Policy If I Already Have Life Insurance Through Work?

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It is not uncommon for an individual to have a life insurance policy through their employer. Most employers offer at least a small life insurance policy to their employees. One of the questions that Daniel Carinici Agency LLC, providing life insurance to residents of the greater Pittsburgh, PA area, is often asked is whether you can obtain a private life insurance policy if you already have a life insurance policy through work. 

Can I Get a Private Life Insurance Policy If I Already Have Life Insurance Through Work?  

Yes. There is no limit on the number of life insurance policies an individual is allowed to carry. As such, you can obtain a private life insurance policy if you already have a life insurance policy through work, or if you already have one private life insurance policy, you can obtain a second if you wish. 

Why Would You Want a Life Insurance Policy Outside of Your Employer’s Policy? 

Having a policy through your employer can be beneficial, but having a private policy has its benefits. If your employer goes out of business, lets you go, or fails to pay the premium on the policy, you may find yourself without a life insurance policy. Having a private life insurance policy ensures you have full control over the policy, ensuring you have it at all times, regardless of your employment status. 

Contact Us Today

There are many benefits to having a private life insurance policy, even if you already have a policy through your employer. At Daniel Carinici Agency LLC, serving the greater Pittsburgh, PA area, can answer all of the questions you have about life insurance and help you determine how much life insurance you truly need to ensure your loved ones are able to continue to live the same quality of life that you provide for them if you pass away. Call us today to obtain an estimate for a life insurance policy. 

How much umbrella insurance do I need?

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Figuring out how much umbrella insurance you need in Pittsburgh, PA can be tricky. You don’t want to spend too much on coverage that you don’t need, but you also don’t want to be caught without enough coverage if something catastrophic happens. Here are some tips from Daniel Carinici Agency LLC:

How Much Coverage Do I Need?

Pennsylvania generally requires a minimum of $50,000 in umbrella insurance coverage. However, you may want to consider carrying even more than the minimum required amount.

The general rule of thumb is that you should have umbrella insurance that covers at least the amount of your assets. This way, if you are sued and found liable for an accident or incident, your personal assets will be protected.

Of course, every situation is different, and there are other factors to consider when deciding how much umbrella insurance to carry. For example, if you are employed in a high-risk profession such as healthcare or law, you may want to consider carrying more umbrella insurance than someone with a lower-risk job.

How Do I Choose an Umbrella Insurance Policy?

Now that you know the rule of thumb for how much umbrella insurance you should carry, it’s time to start shopping for a policy. When comparing policies, be sure to pay attention to the details to get the coverage you need at a price you can afford. Some things to look for include:

  • The amount of coverage offered
  • The deductible
  • Any limitations or exclusions

Contact Us Today

The bottom line is that everyone’s situation in Pittsburgh, PA is different and there is no one-size-fits-all answer. Contact Daniel Carinici Agency LLC today. We can answer your questions and get you the coverage you need.

4 Tips For Shopping For Commercial Insurance

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The process of shopping for commercial insurance can be quite daunting. There are numerous alternatives and coverages to select from, and it might be difficult to decide where to begin. The good news is that there are some simple tips you can follow to make the process a little easier. Daniel Carinici Agency LLC in Pittsburgh, PA is here to guide you on how to find the best commercial insurance.

4 Tips For Shopping For Commercial Insurance

1. Know Your Business Needs

The first step in shopping for commercial insurance is to take a step back and assess your business needs. What types of risks does your business face? Do you need property insurance in case of fire or theft? Do you need liability insurance in case someone is injured on your premises? Once you understand your business risks well, you will be in a better position to shop for the right coverage.

2. Get Multiple Quotes

It’s time to start shopping around once you’ve determined what sort of coverage you require. Get quotations from several insurance firms in Pittsburgh PA to help you compare rates and coverage choices. Be sure to ask about any discounts that may be available, such as loyalty discounts or discounts for insuring multiple properties with the same company.

3. Read the Fine Print

Before signing any insurance policy, it’s critical to read the fine print. Read the exclusions and limitations carefully to understand what is covered under your policy. You should also make sure you understand the claims process so that you know what to do if you ever need to file a claim.

4. Work With an Experienced Agent

Working with an experienced insurance agent can make a world of difference when shopping for commercial insurance. A good agent will work with you to assess your risks and find the best possible coverage at the most affordable rate. They will also be there to help if you ever need to file a claim.

Contact Us Today

With these five tips in mind, shopping for commercial insurance should be a little easier. Remember to assess your risks, get multiple quotes, read the fine print, work with an experienced agent, and review your coverage annually. If you do all of this, you should be able to find the right policy at the right price. Contact Daniel Carinici Agency LLC or visit our offices in Pittsburgh, PA for a quote today.

Home inventory: Finding the right home insurance coverage in Pittsburgh, PA

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Few debate "why" home insurance is important. Yet many homeowners struggle with a seemingly simple question: "How much home insurance do I need?"

Fortunately, Daniel Carinici Agency LLC, serving the greater Pittsburgh, PA community, has the answer. Although there are several factors to consider, it begins with a home inventory. A home inventory catalogs your possessions. This document will expedite the claims process and ensure a higher, more accurate payout.

That’s why we advice everyone to conduct a thorough review before purchasing home insurance.

Here we list five steps for conducting a comprehensive home inventory:

Organize each area

Divide and conquer. Avoid getting overwhelmed by sectioning your home by room or area. Complete one space before moving on to the next.

Record basic information

Jot down descriptions of each item. Include purchase dates and prices. For appliances and electronics, write down any makes, models, and serial numbers too. Taking pictures or scanning sales receipts is also recommended.

Group less expensive items

Trying to list everything separately can be exhausting. Lump together low-cost items, like cooking utensils and clothing. Assign a dollar value to the whole group.

List out more expensive items

Jewelry, antiques, collectibles, and other valuables are the exception. Since these may require additional protection, note these higher-end items individually. Once you’ve compiled the list, consult with an agent to ensure these valuables will be covered.

Update frequently

Your home inventory is a living document. At a minimum, it should be reviewed and updated each year. Add any new items to your digital records, but keep a hard copy somewhere as a backup.

Contact an agent serving Pittsburgh, PA

Using your home inventory, Daniel Carinici Agency LLC can craft an accurate assessment of your home insurance needs. Schedule an appointment to review with one of their agents today.

Debunking 5 myths about motorcycle insurance

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For most people, the idea of motorcycle insurance conjures up images of high premiums and sky-high deductibles. However, the truth is that motorcycle insurance can be both affordable and comprehensive. Daniel Carinici Agency LLC debunks the five common myths about motorcycle insurance.

Motorcycle Insurance Coverage: What You Need To Know 

Myth 1: Motorcycle Insurance Is Too Expensive

This is one of the most common misconceptions about motorcycle insurance. The truth is, motorcycle insurance can be quite affordable – especially when you compare it to the cost of repairs or medical bills in the event of an accident. Premiums vary depending on several factors, such as the type of motorcycle you own, your riding history, and the coverage you choose. However, there are ways to save on motorcycle insurance, such as by bundling it with other types of insurance, such as your auto or homeowners policy.

Myth 2: Motorcycle Insurance Is Only for Accidents

While motorcycle insurance provides coverage in the event of an accident, it also offers protection from several other risks. For example, many policies will cover damage caused by weather events, such as hail or windstorms. Additionally, some policies will also cover theft and vandalism.

Myth 3: All Motorcycle Insurance Is the Same

This is simply not true. There are many policies available, and each one offers different coverage options. For example, some policies may only cover damage to your motorcycle, while others may also provide coverage for medical expenses and property damage. It’s important to evaluate your needs and choose a policy that provides the right level of protection for you.

Myth 4: My Auto Insurance Policy Covers My Motorcycle

This is a common misconception, but it’s important to understand that auto and motorcycle insurance are two separate types of insurance. One covers cars, and the other covers motorcycles. While some insurers may offer a discount if you bundle your auto and motorcycle insurance policies, it’s important to understand that they are not the same.

Myth 5: You Don’t Need Motorcycle Insurance If You’re a Safe Rider

This is simply not true. While safe riding habits are important, they cannot prevent all accidents. Insurance is there to protect you in the event of an accident, no matter who is at fault.

Get Motorcycle Insurance in Pittsburgh, PA

Motorcycle insurance is not as expensive or difficult to understand as many people think. It is important to do your research and understand the different types of coverage available in order to choose the policy that is right for you. Daniel Carinici Agency LLC in Pittsburgh, PA can help you find the perfect motorcycle insurance policy for your needs and budget. Give us a call today to get started.

When Should I Purchase Flood Insurance?

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Flood insurance is a good idea for homes, businesses, rental properties, and cars. Coverage begins when the first inch of water or the first sign of flood risk hits your property. 

Flood is a major risk for businesses. A flood can shut down a company and cause substantial losses. A business can be out of work and with no income, or it can lose money, equipment, and inventory. Consult the Pittsburgh, PA agency, Daniel Carinici Agency LLC for advice. 

Flood Insurance: What You Need To Know

Flood insurance should be purchased as soon as possible after a flood occurs. The sooner the insurance is purchased, the more likely it is to cover the loss. When purchasing flood insurance, be sure to shop for the best rates and coverage. 

If you are buying a policy through an agent, be sure to have them run a credit check to ensure you have the ability to make the payments. Flood insurance is recommended for properties located in areas prone to flooding.  

Additionally, it’s important to purchase coverage when you purchase a new home or build a new structure, as it’s often difficult to get coverage on a new structure. Most homeowners don’t think about purchasing flood insurance when they buy a new home, but it’s important to protect your investment. 

Flood events are unpredictable, and one cannot always predict if and when they will occur. Therefore, it is recommended to purchase flood insurance whenever you are in a flood-vulnerable area, such as near a river or lake. When purchasing, compare different policies. A reputable company will give you the most reliable coverage. 

Contact Us Today

It’s important to purchase flood insurance before a flood occurs, as there’s a waiting period before coverage kicks in. You should also ensure that your policy covers the value of your home, so check the coverage limits for your home. 

You can also buy a short-term policy that provides a bit of protection if a severe storm hits your area soon after purchasing the longer-term policy. Daniel Carinici Agency LLC is here to provide you with expert assistance in Pittsburgh, PA.

What’s The Difference Between A Beneficiary And Dependent?

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Life insurance is one of the most important financial products you can buy. It provides vital protection for your family and loved ones in the event of your death, protecting them from the financial impacts of losing their primary source of income. Over the course of a lifetime, the majority of people will depend on the income provided by life insurance in one way or another. Daniel Carinici Agency LLC is here to help Pittsburgh, PA residents understand this crucial financial decision. 

Who is considered a dependent?

A dependent is someone who relies on your income for support. They may be your children, your spouse, or any other person who depends on you for financial support. These persons are considered to have an "insurable interest" in your life. They are typically family members, but some insurance companies will also consider a business partner if they will suffer hardship and financial loss if you die.

Who can I name as a beneficiary?

When purchasing a life insurance policy, you have the option of naming a beneficiary. This person will receive the proceeds of your policy upon your death, typically in the form of a life insurance payment. You can choose to name only one person as a beneficiary, or you can name multiple beneficiaries. Generally, the person you choose as your primary beneficiary is the person who has the greatest insurable interest in your life.

What if I don’t have any dependents?

If you have no dependents, you can choose to name anyone as a beneficiary. This allows you to leave a legacy to those who are most important to you, whether that’s a loved one or a charitable organization. Typically, the insurance company will help to decide whether or not a beneficiary is an appropriate choice for your benefits.

A beneficiary does not necessarily have to be dependent, nor are you obligated to make a dependent your beneficiary. The choice is yours.

For more answers to life insurance questions, Pittsburgh, PA residents can reach out to Daniel Carinici Agency LLC today.

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