Find an Agent Make Payments Agent Login Claims Auto Insurance Home Insurance Business Insurance About Us Contact Us Welcome to Personal Insurance 101! It is our hope that you will find valuable educational and informational material in this section that will help enhance your knowledge of personal insurance. 5 Ways to Make Sure Your Home is Insured to Value Three out of five American homes are underinsured by an average of 20 percent according to CoreLogic, a firm that many insurance companies rely on for help in calculating the… Learn More It Pays to Remember Your Umbrella An umbrella may not cost much, but the protection could be priceless. No matter how careful you are, a typical day at home, a routine trip to the practice field,… Learn More Actual Cash Value vs. Replacement Cost Value The “depreciation difference” homeowners and renters need to know about. How do you decide which coverage is right for you? Sometimes the best way to explain coverages is through an… Learn More Understanding your personal auto policy: collision coverage versus other than collision coverage (aka comprehensive) Are these required coverages? No, unless your vehicle is financed. If you financed the purchase of your car, your finance company or bank might require that you carry certain coverages… Learn More Things to Consider as You Purchase Auto Insurance Ask about the discounts an insurance company offers, and about how it might surcharge you in the event of an accident. These things can vary from company to company, so… Learn More 7 Reasons to Choose an Independent Agent Insurance can be a complicated purchase. You’re not buying bread or milk. You’re buying a promise of protection that could potentially make or break your financial well-being. How do you… Learn More Ridesharing and Insurance You’ve probably heard of ridesharing companies by name, such as Lyft® and Uber®. But, do you know enough about these and other Transportation Network Companies (TNCs) to protect yourself in… Learn More Equipment breakdown coverage: Protect the equipment you depend on every day A standard homeowner’s policy provides a great foundation to build on for protecting your home and personal property. But there are gaps, or areas in the policy where you might… Learn More Cheaper Car Insurance Can Cost You More in the End The old adage “you get what you pay for” still holds true, especially when you are purchasing car insurance. You want an affordable policy that will provide the coverage you… Learn More Tips for Purchasing Car Insurance for Young Drivers and Students A driver’s license…it’s one of the most memorable milestones for you and your teen. After months of behind-the-wheel practice, your teen is ready to set out on his or her… Learn More 1 2 3 Next » LEARN MORE Business Insurance 101 Personal Insurance 101 Safety Center Safety At Home Safety on the Job Safety on the Road Storm Center Contact Us (814) 643-3003 409 Penn Street, PO Box 577 Huntingdon, Pennsylvania 16652 Submit a Claim Agent Login Contact Us About Us Careers News Insurance 101 Personal Insurance 101 Business Insurance 101 Safety Center Storm Center Find an Agent PA Agents MD Agents MAKE A PAYMENT Privacy Policy | Terms & Conditions | Social Media Policy