Coverage for your day-to-day needs.
Insurance that works for you, and all of your needs.
Our insurance advisers take time to understand your unique needs, identify and eliminate gaps in coverage that might leave you exposed and create custom plans that fit your life. From auto insurance to homeowners insurance, we’re in the business of helping people protect what they value and have worked so hard to build.
We understand that your car is an important part of your life and we also know how confusing it can be when researching for Pennsylvania car insurance. We are experts in identifying your needs and matching them up to a policy that provides the coverage you need.
Our insurance agents want to make sure that your car insurance policy fits your exact needs. From work trucks to minivans to convertibles; we can provide a car insurance policy that actually protects your car.
Typical car insurance in Blairsville Pa, Indiana Pa, Homer City and surrounding areas in Pa includes the following coverage types:
- Liability – insurance for property damage and injuries to others caused by you while operating your vehicle.
- Medical – coverage for the driver and occupants of the insured vehicle.
- Collision – insures the owner from loss during a collision with another vehicle.
- Comprehensive – protection from damage caused by things other than vehicle collision.
We have access to many insurance companies to find you the best coverage for the best price. Please complete our quote questionnaire and we’ll have a response to you within one business day. If you need a quote now and it is during our hours of operation, please feel free to give us a call.
Whether you’re enjoying a long summer time ride, or have your bike stored away for the winter, a Walbeck motorcycle insurance policy can help protect you and your motorcycle. Our friendly agents will answer your questions and explain all of your options.
In addition to motorcycle insurance coverage you can rely on, your policy will come with the support of an agent who’s as eager to help you as you are to ride your bike.
- Find discounts so you can make the most of your savings
- Create an insurance quote
- Explain your coverage and what your policy protects
- Get answers to your questions about the claims process
- Find helpful info about taking care of your motorcycle
INSURANCE FOR YOUR MOTORCYCLE OR SCOOTER
Whether it’s your main transportation or your weekend ride, a Walbeck motorcycle insurance policy may help protect your bike or scooter. From headlight to tail light, it’s important to make sure you and your ride are covered.
- Liability coverage: Required in most states, liability coverage may help pay for another person’s medical bills or property repairs if you cause an accident while on your scooter or motorcycle.
- Collision coverage: This coverage may help pay to repair or replace your motorcycle or scooter if it is damaged in a collision with another vehicle or object.
- Comprehensive coverage: If your motorcycle or scooter incurs damage due to incidents such as fire, theft or vandalism, comprehensive coverage may help pay for repairs or replacement.
- Uninsured/Underinsured Motorist Coverage: If your bike or scooter is hit by a driver who doesn’t have insurance or enough coverage to pay for repairs to your bike, uninsured and underinsured motorist coverage may help pay the related repair costs.
If you have questions about insuring your scooter or motorcycle or want to be sure you have the coverage required in Pennsylvania, we can help.
Home Insurance that fits your needs!
Obtaining Home insurance in Pennsylvania is an important step in protecting your home and its contents against unexpected events. Home Insurance protects more than just your house, it generally protects anyone named on the policy, residents of the home (other than renters), guests, visitors, and employees of the household.
- The structure of your home
- Replacement costs
- Personal possessions (up to a set limit)
- Living expenses in case of a disaster
You can also add supplemental policies such as:
- Valuable Articles/Floater policies (i.e. Jewelry Insurance)
- Flood policies
- Earthquake policies
- Umbrella policies (additional liability)
- Animal Liability (liability issues due to household pets)
You should review your policy at least once a year to make sure it reflects any major purchases or additions to your home. You may also want to consider adding an inflation guard endorsement to your policy, which instructs the insurance company to automatically raise your policy limit at each renewal.
Please contact us if you have any additional questions regarding your current home insurance policy. If you are purchasing a new home in Blairsville Pa or Indiana Pa, we can assist you with the perfect home insurance policy for you!
Life Insurance…plain and simple.
Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance… the list and combinations seem endless. Do you know which life insurance policy type is right for you? At Walbeck Insurance we can help. Our dedicated team of life insurance professionals understand Pennsylvania’s market and regulations and can find the right plan – or a mixture of plans – for your specific needs.
Our Life Insurance Department offers many different types of life insurance. We take the time to completely explain what you are buying. We actively monitor the companies that we represent and only work companies that are financially sound.
When to choose term life insurance?
Most people that choose term life insurance have a strategy for long term net worth. For a period of their lives, they need specific coverage to protect, debt, loved ones, and children. It might make sense for a homeowner with children to have a term life policy to cover the living needs and mortgage until their children are old enough to provide for themselves. That way the term would expire around the time your children would be moving out.
When to choose whole life?
A whole life policy can provide equity for loans with fixed payments that do not increase with time and can be used in the retirement years as cash assets.
Many people find themselves overwhelmed with so many options. Let one of our professionals put together the right life insurance quote for you. We have access to multiple A-rated carriers to find you the best coverage for the best price. Contact Walbeck Insurance today for more information and get a free quote!
Health insurance covers medical expenses for illnesses, injuries, and conditions. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own. So, what’s health insurance for and why do you need it?
- Because accidents or health problems can happen at any time
- Medical expenses can be high—they’re the number one cause of bankruptcy
- To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies
- To pay and keep track of medical payments quickly and easily
- To safeguard your way of life and your family’s physical and financial wellbeing
Understanding Health Insurance Terms
We know health insurance has its own language with different terms, like “deductibles,” “coinsurance” and “copayments.” Once you get a good grasp on some of these basic terms, you’ll see how simple health insurance can be. Let’s start by defining these terms:
Deductible: This is a set amount you have to pay toward your medical bills every year before your insurance company starts paying. It varies by plan and some plans have no deductible.
Premium: This is the amount you pay your health insurance company to keep your coverage active. Most people pay their premium monthly.
Coinsurance: This is the percentage of the medical bill you share with your insurance company after you’ve paid your deductible. Unless you have a policy with 100 percent coverage for everything, you have to pay a coinsurance amount. For example, if you have a $100 doctor’s bill and your plan covers 80 percent of it, your coinsurance amount due to the doctor’s office is 20 percent, or $20.
Copayment (or “Copay”): Your copayment, or copay, is the flat fee you pay every time you go to the doctor or fill a prescription. It’s usually a relatively small dollar amount. Copays do not count toward your deductible.