Why January Is the Best Time to Review Your Insurance Policies in Pennsylvania
January is the ideal time for Pennsylvania residents to review their insurance policies. Coverage, rates, and life circumstances change more often than people realize. A quick policy review can help close gaps, adjust limits, and start the year with confidence.
How to Choose the Right Policy Limits
Insurance policy limits determine how much financial protection you actually have when a claim occurs. Choosing limits that are too low can leave you paying out of pocket, while choosing extremely high limits may mean overspending on premiums. This guide explains what policy limits are, why they matter, and how to choose the right ones to protect your assets and future.
Are Your Christmas Gifts Covered by Your Renters or Homeowners Insurance?
Holiday gifts like electronics, jewelry, and even cars can be valuable, and many people don’t realize how renters or homeowners insurance protects them. From coverage limits to scheduled personal property, this guide explains how to make sure your Christmas presents are fully insured and safe from unexpected loss.
Life Happens: 5 Everyday Scenarios Where Insurance Saves the Day
Life is full of unexpected moments, from car accidents and burst pipes to canceled vacations and medical emergencies. Insurance turns these stressful situations into manageable setbacks by protecting your finances, your home, and your peace of mind. Here are five everyday scenarios that show why the right coverage matters.
Common Insurance Myths: Important Truths to Learn in the Insurance Business
Many people misunderstand what their insurance policies actually cover. From life insurance and renters insurance to auto and umbrella policies, common myths can leave you underprotected or paying for coverage you don’t fully understand. This guide debunks the biggest insurance misconceptions and explains the truth behind the protection you really need.
Umbrella Insurance Policies: What Are They and How Do They Work?
Umbrella insurance adds an extra layer of protection beyond your home and auto policies, covering high-cost liability claims like major accidents, defamation, rental property incidents, and unexpected lawsuits. It’s affordable peace of mind that protects your savings and future income when standard coverage isn’t enough.
Life Insurance: What it Is and Why You Might Need it
Life insurance is one of the most important ways to protect your family financially. Learn how life insurance works, the different types available and what factors affect cost so you can choose the right coverage for your loved ones.
How Inflation Is Quietly Affecting Your Insurance Coverage in 2025
Inflation is driving up the cost of home repairs, vehicle parts, and business property, which means your current insurance limits may no longer be enough. Learn how rising prices in 2025 affect homeowners, auto, and business insurance in Pennsylvania and how to make sure your coverage still keeps up.
Gig Workers and Delivery Drivers: What Kind of Insurance Do You Really Need in Pennsylvania?
Gig workers in Pennsylvania face serious coverage gaps if they rely only on a personal auto policy. Learn what rideshare and delivery drivers really need to stay protected on the road and how the right insurance can safeguard your income.
How Smart Home Devices Are Changing Homeowners Insurance in Pennsylvania
Smart home devices are changing homeowners insurance across Pennsylvania. Learn how connected technology can reduce risk, prevent claims, and even help lower your premiums.
How Your Credit Score Affects Insurance Rates in Pennsylvania
Your credit score can influence what you pay for insurance in Pennsylvania. Learn how credit-based insurance scoresaffect premiums, why insurers use them, and how improving your credit can help lower rates. Ebensburg Insurance explains the connection between credit score and insurance rates in Pennsylvania and offers tips for smarter coverage.
Fall Home Maintenance Checklist: Prevent Seasonal Risks and Protect Your Insurance Coverage
Fall is the perfect time to prepare your home for the colder months ahead. Use this fall home maintenance checklist to prevent seasonal damage, reduce risks, and make sure your homeowners insurance coverage is up to date. Protect your home, your investment, and your peace of mind all season long.
Cybersecurity Awareness Month: Why Every Small Business Needs Cyber Insurance
October is Cybersecurity Awareness Month, the perfect time for small businesses to strengthen their defenses. Learn why cyber insurance for small business is essential protection against data breaches, ransomware, and digital threats, and how the right coverage helps your company recover quickly and confidently from cyberattacks.
Fire Prevention Week: How to Protect Your Home, Family, and Insurance Coverage
Fire Prevention Week is the perfect time to review your home safety plan and insurance coverage. Learn practical fire prevention tips and discover how the right homeowners, renters, or business insurance can protect your home, family, and peace of mind when the unexpected happens.
Life Changes That Should Trigger an Insurance Review
Major life events like marriage, buying a home, or retirement can leave gaps in your coverage. Learn the key moments when an insurance review is essential to keep your family, finances, and future fully protected.
Umbrella Insurance in Pennsylvania: The Extra Coverage Most Families Overlook
Umbrella insurance offers affordable extra protection for Pennsylvania families when standard home and auto policies aren’t enough. Discover how this added layer of coverage safeguards your assets, fills liability gaps, and provides peace of mind for just a few hundred dollars a year.iscover what’s driving these increases and learn practical steps you can take to lower your premiums in 2025.
Why Pennsylvania Homeowners Insurance Rates Are Rising in 2025 (And What You Can Do About It)
Homeowners insurance rates in Pennsylvania have surged 44% since 2021. Discover what’s driving these increases and learn practical steps you can take to lower your premiums in 2025.
Uninsured & Underinsured Motorist Coverage in Pennsylvania: Why You Might Need It
Uninsured and underinsured drivers are more common than you might think in Pennsylvania. Without the right coverage, a single accident could leave you paying thousands in medical bills, vehicle repairs, or lost wages out of pocket. Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage step in to protect you when the other driver can’t. This blog explains why UM and UIM coverage matters, how it works in real-world scenarios, and what limits experts recommend for true peace of mind. Learn how Ebensburg Insurance helps Pennsylvania drivers choose the right protection so they’re never left financially vulnerable after a crash.
Full Tort vs. Limited Tort in Pennsylvania: What Drivers Need to Know in 2025
Not sure whether to choose Full Tort or Limited Tort on your Pennsylvania car insurance? Learn the key differences, costs, and how each option affects your legal rights after an accident.
Winter Driving & Insurance Tips for Cambria County Drivers
Slippery roads, deer collisions, and dead batteries—Cambria County winters bring big risks. Find out how to protect your car and your coverage this season.