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An Ounce of Prevention Can Be Priceless
Do you remember the tragic Christmas Day house fire in Connecticut where 5 people died? The fire was caused by improper disposal of hot ashes from the fireplace. It is unclear if the house had smoke detectors. An Elizabethtown family who lives near my office almost suffered a similar tragedy with eerily similar circumstances. According to the news report ashes from a wood... Continue reading »To Fee Or Not To Fee?
Verizon received much attention at the beginning of the year when they tried to impose a $2 fee for single payments online or by telephone. Banks are also known for attaching fees to their products and services. Being a fee-averse person I want to remind you to take note of the fees your insurance company may be adding to your premiums. The insurance companies I represent have... Continue reading »Are You Interested In News From Erie Insurance?
Dec/Jan 2012 Thome Insurance Agency Inc Newsletter Follow the Life of an Auto Insurance Claim Learn about ERIE’s auto claim process and the important role you play. Check out Eriesense.com. Take a Fraud Quiz Telling a “little white lie” when you file a claim is never okay.... Continue reading »Dogs . . . the Insurance Company’s Best Friends?
While many agree with the saying "A dog is man's best friend" insurance companies will offer a different opinion. Homeowners insurance policies commonly exclude damage to your own property caused by pets owned by you. But dog bite liability claims have become a real concern to insurance companies. The... Continue reading »Do You Have Enough Life Insurance?
I just finished reading another article that discussed the need for life insurance. Studies show that life insurance coverage is at its lowest point in more than 50 years. One study found that almost 50% of Americans with household incomes between $50,000 and $250,000 do not have any life insurance. While some will object that the Multiple of Income method for determining life... Continue reading »What Do You Do When Customer Service Does not Meet Your Expectations?
I realize that in the real world you cannot please all of the people all of the time. How do you personally react when you do not receive the kind of service that you expected? Last week one of my insured's was rearended at 7:00 am. She reported the claim directly to the insurance company since my office was not yet open. As the agent I received an e-mail notification of the... Continue reading »Do Apartment Renters Need Insurance?
The basic purpose of renters insurance should be obvious: it covers the contents of your apartment in case they are stolen, burned up, blown away or vandalized. Many people don’t realize that most policies cover their contents anywhere in the world. So if your laptop gets stolen during your surfing trip to Bali, it is still insured. Renters insurance (aka: Tenant... Continue reading »Fallen Limb or Fallen Tree – What’s the Difference?
The freak snow storm that hit Elizabethtown, Mount Joy and Marietta the last week of October generated many phone calls to our office. Most of the calls were about fallen limbs from trees. Snow in October is hard on trees because they still have leaves. There were 4 general questions relating to damaged trees: Is the tree itself covered if damaged by the weight of the... Continue reading »Stacked or Unstacked Uninsured & Underinsured Motorist? -That IsThe Question
The post of Oct 11 discussed the importance of Uninsured and Underinsured Motorist coverage. Another choice you have to make with these coverages is whether you want "Stacked" or "Unstacked" limits. By default your coverage is stacked. Waivers must be signed to reject stacking. Stacked coverage allows you to collect the sum of the Uninsured or Underinsured Motorist limits for each... Continue reading »Auto, home, and life insurance are our specialty.
Founder, AJ Thome, began selling insurance in 1938 and has represented Erie Insurance since 1947.
Today the agency continues as a family owned and operated business under the leadership of AJ's grandchildren, Jim and Cindy. The agency continues to expand with the addition of Rebecca and Cindy's husband, Shawn.
We would be happy to provide you with a no-obligation insurance review.
