What an RV Insurance Policy Does Not Cover

Traveling throughout the United States is a memorable experience, particularly when done on a road trip. However, before hitting the road and filling up your gas tank, it’s essential to understand the extent and limits of your RV insurance policy. The team at Berks County Insurance in Reading, PA is ready to guide you through the details, ensuring you have the right coverage for all your journeys.

Keeping Your RV Maintenance Schedule Up to Date

It’s important to note that standard RV insurance policies do not cover "general wear and tear," particularly if it results from a failure to adhere to a regular maintenance schedule. Such deterioration often happens when the RV is used primarily as a living space during an extended road trip. Also, any mold damage is excluded from the insurance coverage as regular cleanings could have preemptively prevented it. Consider extending your liability coverage if you intend to use your RV as a full-time residence.

Addressing Storage Collision Incidents

Some RV owners opt not to maintain full RV insurance coverage during winter, switching to a storage-only policy. While this protects against theft, vandalism, and water damage, it does not cover damage resulting from collisions with other vehicles in the storage facility. Bear in mind that moving vehicles like other RVs, trucks, and campers are a frequent sight in these storage facilities. Therefore, maintaining your full RV insurance coverage can save you from expensive repair costs following a collision.

Preparing for Natural Disaster Damage

Standard RV insurance does not cover damage caused by natural disasters like floods or fires. If you plan to travel to areas prone to such events, it may be wise to consider supplementing your existing coverage. A comprehensive insurance policy will cover any damage from severe storms or natural disasters.

Navigating the road with the security of robust RV insurance can prove to be a lifesaver, especially in cases of accidents or theft. Let Berks County Insurance in Reading, PA help clarify what your policy covers and what it doesn’t. Call and schedule an appointment today. We’re here to help you drive with confidence.

Tips and Tricks for Motorcycle Safety in Reading, PA

Bikers, if you’re gearing up for thrilling rides along the scenic roads in and around Reading, PA – this guide is for you! 

This guide from Berks County Insurance provides an overview of tips and tricks for staying safer when riding in Reading. 

Tips and Tricks for Motorcycle Safety

Tip 1. Wear Protective Motorcycle Gear 

Wearing the proper protective equipment can make all the difference if you get in a motorcycle accident. 


  • DOT-approved Motorcycle Helmet 
  • Sturdy and Rip-Resistant Biker Jacket and Pants
  • Riding Gloves 
  • Motorcycle Boots 

Tip 2. Stay Visible

Cyclists and pedestrians can easily get lost in the flow of everyday and rush-hour traffic. Use your headlights (even in the daytime) and wear reflective safety gear to increase your visibility on the roads. 

Tip 3. Practice Defensive Driving 

Seasoned motorcycle riders understand that using defensive driving skills is necessary for staying safer on the road. Stay alert, anticipate hazards, and be prepared to react quickly to avoid becoming entangled in traffic accidents on your bike. 

Tip 4. Stay Sober 

Riding a motorcycle requires attention to detail, focus, coordination, and quick reflexes; as such, drivers should always remain sober and never ride under the influence of drugs or alcohol. 

Tip 5. Get Motorcycle Insurance in Reading, PA

A trusted local motorcycle insurance expert can help you choose a comprehensive policy to protect your bike, passengers, and accessories when venturing out on long trips and local excursions. Talk to a knowledgeable and friendly agent to learn how to get full insurance coverage to protect your bike against theft, natural disasters, vandalism, and animal collisions. 

Contact a reliable insurance agent at Berks County Insurance to get a motorcycle insurance quote today! 

Knots and Bolts: Boat Insurance Basics

Boat insurance can be a lifesaver, especially in the face of unexpected accidents or theft. The experts at Berks County Insurance in Reading, PA, are here to unmask the vitals of boat insurance coverage and help you navigate these waters safely.

Consider Factors Impacting Your Boat Insurance Coverage

Several factors influence the coverage you need and the premium you pay for your boat insurance. Your boat’s size, value, and storage location are primary considerations. Compared to smaller vessels, more extensive coverage may be necessary for high-performance boats and yachts. A clean boating record free of accidents can also result in lower insurance rates.

Determine Your Boat Insurance Needs

The frequency of boat usage significantly impacts your liability and basic coverage requirements. Be sure to include risk factors particular to your needs. Options range from haul coverage, medical, and property damage insurance to coverage for personal property and towing assistance—remember, the cost of security doesn’t outweigh the price of peace of mind.

Consulting Experts in Boat Insurance

The seasoned agents of Berks County Insurance in Reading, PA, can provide clarity about your specific boat insurance needs and address any of your concerns. Get in touch today for expert advice and schedule an appointment.

Risks of Not Having Umbrella Insurance from Berks County Insurance

When protecting one’s assets and future financial stability, umbrella insurance emerges as a potent defense against unexpected legal claims or catastrophic incidents that could lead to severe financial losses.

Many individuals possess homeowners or auto insurance policies, but these standard protections might not be sufficient when faced with high-stakes lawsuits or liability claims that exceed their boundaries. At Berks County Insurance in Reading, PA, we offer expertise in securing umbrella insurance tailored to your specific needs.

Risks Associated with Ignoring Umbrella Insurance

Umbrella insurance serves as a vital safety net in the event of unexpected problems. Without this additional layer of coverage, you could put everything you’ve worked arduously for at risk. For example, if you encounter a liability claim surpassing the limits of your primary insurance policies, the absence of an umbrella policy could push you toward financial ruin.

Furthermore, given our increasingly litigious society, lawsuits are commonplace. Without umbrella insurance, you might find yourself personally accountable for damages that exceed the coverage limits of your other insurance policies. This could result in devastating financial losses, potentially jeopardizing your future financial stability. Investing in the peace of mind that comes with umbrella insurance is a smart strategy for safeguarding your assets and preserving your financial health. We’re here to explain all the options when choosing an umbrella policy, helping you make an educated decision.

Reach Out to Berks County Insurance for Comprehensive Umbrella Coverage

At Berks County Insurance, we acknowledge the significance of protecting your assets. If you’re on the hunt for an affordable and effective umbrella insurance policy in the Reading, PA, area, contacting us would be a wise step. Our qualified insurance agents can elucidate why considering an umbrella policy should be on your agenda.

Get in Touch with Berks County Insurance for an Umbrella Policy Today!

Emergency Preparedness

Stay Secure with Home Insurance Crafted Just for You

At Berks County Insurance, we are committed to ensuring you and your family feel safe and secure, come what may. This is why we provide top-tier home insurance tailored to fit you and your unique circumstances in Reading, PA, and surrounding areas.

Prepared for Emergencies

Being prepared for emergencies isn’t just a wise step but a vital one to ensure the safety of your home and loved ones. Understanding your home insurance and how it can lend support during trying times is essential. With the correct insurance plan, you can confidently face any emergency that crosses your path.

Keep Your Home Safeguarded

To initiate your preparation, we’ll help create a comprehensive home insurance plan that shields you from local risks. Here in Reading PA, weather conditions can be unpredictable, among other potential threats. With the assistance of our knowledgeable agents, you will receive apt coverage to handle various emergencies, from extreme weather events to fires, thefts, and more. Trusting fully in your insurance plan is what we strive for.

Prevent Problems with Proactive Measures

Besides acquiring pertinent home insurance, there are additional proactive steps you can take to prevent damage and losses in the future. This includes regular home maintenance and periodic review of your coverage. We recommend touching base with us whenever you undergo significant changes in your life or home situation, ensuring your insurance plan continues to be a perfect fit without any gaps.

Your Partner for a Protected Future

At Berks County Insurance, we are proud of our commitment to serve Reading, PA, and the surrounding areas with impeccable home insurance solutions. Your questions, concerns, and needs are our top priority. Reach out to us today to enjoy unmatched protection and peace of mind, expertly catered to meet your specific needs.

Can You Purchase Life Insurance After You’ve Been in an Accident?

Life insurance is a subject that many people want to avoid discussing unless absolutely necessary. Despite this fact, life insurance must be addressed because it’s essential to be prepared since no one can predict when or if you might pass away unexpectedly. If you’re a Reading, PA resident considering purchasing a life insurance policy, you’re behaving responsibly. However, you might wonder if it’s okay to purchase life insurance after an accident has already occurred. Here is an overview that can provide an answer.

What Was the Nature of the Accident?

While you can purchase life insurance at any time, purchasing insurance following an accident that eventually causes your death could cause problems with eligibility. Your beneficiary may be unable to collect any funds if it’s discovered that an accident that resulted in your eventual death happened before the policy was active. 

What Type of Life Insurance Are You Purchasing?

The type of life insurance policy you’re purchasing will determine whether your beneficiary can receive a payout for an accident that occurred before the origination of the policy. Some life insurance, like term life insurance, will make payouts regardless of the cause of death, so you should look into things before making a decision. 

It’s important always to be prepared and have adequate life insurance. If you’re looking to purchase a life insurance policy, we at Berks County Insurance can provide coverage for you. Whether you live in Reading, PA, or a nearby city, we can provide you with a quote and help you choose a policy that best suits your needs. We at Berks County Insurance cater to our customers, and we’re ready to do the same for you. Give us a call today. 

Does My Business Need Commercial Insurance?

If you have a business, you may need commercial insurance. The experts at Berks County Insurance, serving Reading, PA, can help you choose the right policy for your needs.

By assessing your concerns as a business owner as well as your business activities, the insurance professionals at Berks County Insurance can make recommendations to ensure you get the policy that will provide the right amount of coverage. Here’s what to know. 

What Is Commercial Insurance?

Commercial insurance is insurance designed to protect your business from financial liability in various ways. Many business owners seek a "business owners policy (BOP)," which offers a variety of coverage, including liability, business property insurance, and business interruption coverage. BOP policies are very common and have what many businesses need to stay protected. 

BOP insurance helps protect your business from financial liability if a covered event like a fire or theft occurs. Companies are not immune from disasters, so insurance can help your business recover if a covered disaster occurs. A typical business owner’s policy will also cover personal and advertising injury claims.   

There are other types of coverage as well, including extended liability for additional insureds, coverage of tools and equipment, debris removal coverage, personal property coverage, and valuable records protection. 

Which Type of Policy Is Right For My Business?

It’s hard to pick the right policy for your business. That’s why the experts at Berks County Insurance, serving Reading, PA, are here to help. Call today to make an appointment or to speak with one of our insurance agents to learn more about commercial insurance.  

Is My Reading Property Fence Covered By My Homeowners Insurance?

The Reading, PA area is attracting a lot of new families thanks to its relatively low crime rate and cost of living. Berks County is filled with friendly neighborhoods and homes surrounded by a variety of fences. They say fences make for good neighbors, which can undoubtedly be true in Reading, PA.

Fences, however, can also cause a myriad of questions and concerns when it comes to homeowners insurance. Berks County Insurance serves the Reading, PA area and can answer your homeowners’ insurance questions, including those involving fencing.

Does Home Insurance cover My Fence?

Your fence is likely covered by the same calamities that your home is covered by. Fences are technically considered an outbuilding.

What Are The Circumstances When My Fence Would NOT Be Covered?

Your fence will not be covered under your homeowners’ insurance policy if it is not yours. It is a good idea to identify fence ownership when purchasing a property.

My Fence is Falling Down. Will my Homeowner’s Insurance Cover It?

Not if its condition is due to a lack of maintenance. It will likely not be covered if it is rotting due to a lack of care or an insect infestation.

If flooding Damages my Fence, Is It Covered?

Flood insurance is not generally part of a basic home insurance policy. Therefore, if your fence is damaged by flooding and you do not have separate flood insurance on your main structure, it will likely not be covered.

Berks County Insurance serves the Reading County area with a full line of personal insurance products, including homeowners insurance. Contact us for any questions regarding your insurance or a quote. We look forward to assisting you.

Steps to Take After a Car Accident

No one plans to get into a car accident. Yet these mishaps happen daily, but many people don’t know what to do. If you are involved in an accident, Berks County Insurance serving Reading, PA, recommends you take the following steps to protect yourself and your passengers after an accident.

What is Required at the Scene

Never leave the scene of an accident, as this act violates the law. If you do so, you could face additional criminal and civil liability. If you can do so, pull off to the side of the road to conduct assessments and make the following tasks safer.

Assess Conditions

As soon as possible, assess the conditions of all passengers in your vehicle. If needed, call 911 and ask for an ambulance if someone needs immediate medical attention. Once you have determined everyone’s condition, contact the police and ask them to come to the scene. Having police document your accident is essential, as it can help prove liability for the incident.

Exchange information with other drivers, no matter who is at fault. You’ll need to provide basic contact information, as well as your insurance information. If witnesses are available, get their contact information, too. In addition to police reports, you can use the information these people provide to give to your insurance company. 

Ensure Your Disclose All Facts

Contact your vehicle insurance company as soon as possible about the incident and provide all pertinent facts. Even if you don’t feel injured, visit a doctor soon afterward for an assessment. Your passengers should also get assessed, as some injuries do not manifest immediately.

Always practice defensive during, but get auto insurance to protect yourself fully. For help selecting your auto insurance policy, contact the professionals at Berks County Insurance, serving Reading, PA.

When to Get Boxing/MMA Insurance for Your Martial Arts Business

At Berks County Insurance in Reading, PA, we proudly offer boxing and MMA insurance to our clients. This type of policy proves useful for serving the unique needs of business owners in the boxing and mixed martial arts communities. For MMA/boxing business owners, getting insurance is a question of "when," not "if." That’s why we’ve discussed the best time to get it below.

How Do I Know It’s Time to Get Boxing/MMA Insurance for My Gym?

If your MMA or boxing business is nothing more than an idea on the horizon of your imagination, you can almost certainly hold off on securing boxing/MMA insurance. Even so, it’s never too early to investigate your options for coverage if you’re planning your business. After all, you have options.

For many future MMA gym and boxing business owners, knowing how you plan to protect your business before it’s even started can give you the peace of mind you need to move forward in the business planning process confidently. Before your MMA/boxing gym is officially open for business and serving the general public, you should secure insurance. Failing to do so can delay the process of getting coverage. Since it may take time for coverage to kick in, you won’t want to wait until the last minute to think about insurance. Looking into insurance too early in the business planning process is much better than waiting until later. That way, you won’t have gaps in coverage that leave your business vulnerable to unforeseen major expenses before you’ve even had a chance to get it off the ground.

For more information on getting Boxing/MMA Insurance for your mixed martial arts business, call Berks County Insurance in Reading, PA today!