Florey Insurance Agency

New Mortgage Disclosure Rule Proposed by Consumer Bureau

Stacy — Fri, 13 Jul 2012 14:12:36 +0000

According to The New York Times, on July 9,2012 the Consumer Financial Protection Bureau issued proposed rules to enforce fairness and clarity in residential lending. This rule will provide homebuyers with a simple set up of expected payments and fees to prevent any costly surprises.

“Within 3 days of applying for a loan, customers would receive a loan estimate that outlined the terms, including how much interest they would pay, how that might shift over the life of the loan and the highest loan amount that consumers could face”.

About 8 million Americans have lost their homes to foreclosure as the article states. Would this create transparency in pricing for homeowners by clearly emphasizing everything from the total cost of the loan to the interest?

Click here for the link to the full article from the New York Times website.

All information was gathered from the article posted on the New York Times website provided above.

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Why working with the Florey Insurance Agency will help you save money

Stacy — Mon, 25 Jun 2012 15:34:24 +0000

Many people are finding they can lower the cost of car insurance- and the time it takes to select the right policy- by working with an independent insurance agent.
Because independent insurance agents represent many different insurance companies, independent agents have the flexibility to review rates and coverage from competing carriers so you can receive the best deal. They can offer affordable protection for your home, business and other assets.
So rather than spending hours gathering quotes from various companies, you can get everything done in one place. The Florey Insurance Agency-located in Clarks Summit, Pennsylvania- can help you compare prices of over 25 different companies. They are the independent agency that Scranton and Wilkes Barre prefer.

If you’re thinking of working with an independent agent, here are a few things to consider provided by the Progressive Insurance Company and the Florey Insurance Agency:

What’s your lifestyle?

Many factors determine auto insurance rates, not just vehicle year, make and model. Companies also look at information about you. If you’ve recently moved, gotten married, had a birthday or experienced a similar life milestone, mention this to your independent agent, you may be eligible to save money on your car insurance.
Although having a new teenage driver usually means the auto insurance bill will go up, there are ways to save. We work with multiple companies and offer over 35 different discounts like the good student discount and if driver courses were taken.

How old is your car?

You don’t always need the same level of physical damage coverage on older cars as on newer ones. If you drive an older car, independent agents can give you advice on what makes the most sense. But of course, if you want to keep your physical damage coverage, consider raising your deductible- that can save you money each year too.

How can you save money on other types of vehicles?

If you have a motorcycle, boat and RV you might save money by having it covered by the same company that insures your car.
You may also want to consider separating your homeowner’s policy from your car insurance policy. Bundling your homeowner’s policy with your car insurance doesn’t always save you money. In some cases it may, but compare prices by separating the policies using an independent agent- the discount you may have gotten for keeping them together may be outweighed by the lower price another company might have for your car insurance.

To learn more and for a free quote take some time and look through our website www.Floreyinsurance.com or call to speak to one of our specialized agents at 1( 877)503-8543.

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Looking for Motorcycle Insurance? Here are ways to save

Stacy — Thu, 21 Jun 2012 17:48:14 +0000

Fact is everyone wants affordable motorcycle insurance. But what is good motorcycle insurance if you don’t have the coverage you need? With the Florey Insurance Agency, you’ll receive coverage that fits your needs and affordable motorcycle insurance that’s easy on your wallets.

Along with affordable rates, you may qualify for even more savings with additional discounts like

Multi Bike discounts
Motorcycle association discounts
Discounts for experienced riders
Installation of anti theft devices
Discounts for taking motorcycle training courses

These are just some discounts. If you’d like to see more just click here

Also, if you’d like to read more on Motorcycle Insurance click here to view our Motorcycle Insurance webpage or to request a free quote.

Call our Motorcycle hotline at 1(877)318-4543.

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Calculate how much flood damage would cost you

Stacy — Mon, 18 Jun 2012 13:39:22 +0000

Don’t have Flood Insurance? You should consider it.

The Travelers Insurance Company, one of Florey Insurance Agency’s proud partnered companies, has provided this flood damage cost calculator to estimate how much it would cost you if a flood was to happen in your home. It is important to have flood insurance covergae if you live in a flood zone like Wilkes Barre, Pennsylvania or just to play it safe in case the unexpected happens.

Below is the Travelers Flood Damage Calculator, an interaction tool to estimate the amount flood damage can have on your home. If you feel like flood insurance is right for you, contact the Florey Insurance Agency office located in Clarks Summit, Pennsylvania at 1 (877) 503- 8543 or click here for more information on flood insurance and to set up a free quote.

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Why you need Wedding or Special Events Insurance

Stacy — Tue, 05 Jun 2012 15:48:31 +0000

Getting married anytime soon? Planning a graduation party, anniversary party or any other special occasion? Well we’ve got you covered!

Special event insurance, often referred to as Wedding Insurance, is designed to provide financial protection if you have to cancel or postpone a gathering due to inclement weather for example.Most policies also provide coverage for cancellation due to the death, illness or serious injury of a key participant in the event, such as members of the im
mediate family. Also, if an officiant, such as a minister or rabbi, or a key vendor, like the caterer, florist or photographer, does not show up, you can recover some of the costs.Prices range from around $125 up to approximately $400 depending on the amount of coverage you need.Additional riders may include coverage for:

Military service- in the event the bride or groom is in the military or active reserves, and is suddenly called to duty.
Gowns and tuxedos- includes stores going out of business or damage to the clothing.
Gifts- if gifts are not covered by your homeowners or renters insurance, provides protection against theft or damage of gifts.
Honeymoon- in case you need to cancel your trip due to illness, bad weather or other circumstances.
Professional counseling- when the cancellation or postponement of the event causes severe emotional stress (a doctor’s note will be needed).

Many companies also offer separate liability insurance, but be aware that many event sites already have their own liability insurance. If you are holding the event at home, however, you may want to purchase liability insurance above and beyond what is provided under your homeowners policy.

So if you’re planning an event like a Wedding make sure you are covered in case the unexpected happens.

This tool gives you the convenience to see all the different coverage and liability options offered through this company and set up a quick quote.

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Question: Do you need optional insurance when you’re renting a car?

Stacy — Thu, 31 May 2012 14:40:24 +0000

You’re standing at the car rental counter waiting to start your vacation when you’re asked a tricky question. Do you want to buy damage waivers, also known as car rental insurance? How will you answer?

” Knowing if you need to buy rental insurance can save you money and give you peace of mind” says Rick Crawley with Progressive. Optional insurance could nearly double the cost of the rental. Do your homework and know before you go.”

Here are some pointers:

Review your policy with your independent insurance agent. Your agent can evaluate your personal car insurance policy to find out if you are covered in a vacation rental car.

Check with your credit card company. Some credit cards provide coverage at no charge if you use their card to pay for the rental. However, some restrictions may apply. Be sure to ask for an exact description of what’s covered.

Take your insurance policy “Declarations Page” with you to the rental counter. You may be asked a question that these papers can answer. If you’re not sure of an answer, you’ll have your agent’s name and phone number readily available.

“Generally, if you have comprehensive, collision and liability coverages on your personal car insurance policy, there’s a good chance you’ll be covered in a rental car” says Crawley. ” Check with your agent to be sure. If you are covered, you would be liable only for the deductible on comprehensive and collision coverages, just like your personal vehicle”.

To learn more contact your personal agent here at Florey Insurance Agency.

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Uncovering Auto Insurance Myths

Stacy — Wed, 30 May 2012 15:39:24 +0000

Like a teenager eager to try a new video game, playing before reading the rules, many drivers buy insurance without really understanding what they’re buying. In the rush to feel “covered”, they can skip the details which can lead to frustration. Following are five insurance myths heard by some of the more than 13,000 claims people at Progressive, one of the country’s largest auto insurance companies:

Myth: I bought “full coverage” so everything’s paid for.

Reality: There is no such thing as “full coverage”. In most states, only liability insurance is mandatory. There are a lot of other coverage options out there, so select what you need and can afford based on your personal situation.

Myth: I need three estimates before my wrecked vehicle can be repaired.

Reality: Not necessarily. Very few insurers actually require this, although some might. If you decide to use a shop that is in an insurance company’s “network” of pre-approved shops you may just have to get an estimate from that shop.

Myth: My insurance premium ALWAYS increases if I’m involved in an accident.

Reality: It depends. Your rate can increase, decrease or stay the same. The information abut your accident is combined with other information about you, your car and your driving history to determine your rate.

Myth: If I lend my car to someone and he/she crashes it, I’m covered.

Reality: Not so fast. If you or your friend don’t have optional physical damage coverages, damage to your vehicle generally won’t be covered.

Myth: If I buy a new car, my auto insurance company automatically knows, and my new car is covered.

Reality: No. Most insurance companies require that you notify them or your agent within a specified number of days. Generally, you have 30 days to add the new vehicle to your policy.

Since insurance isn’t something that is dealt with everyday, it may seem complicated. So the more informed you are, the better choices you’ll make.

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Vacation time is right around the corner!

Stacy — Wed, 23 May 2012 19:41:58 +0000

With so many people on the road during peak vacation months, it may be a good time to brush up on what you should do in the event you’re involved in a crash.

Here are some tips

Preparedness starts before you leave the driveway:

Always keep pen and paper in your glove box. Car insurance claims can be settled faster if there’s a good record of what happened. If you can take photographs with your cell phone or collect license plate numbers, or even names and phone numbers of witnesses, these can all help your insurance company establish facts faster.

If you’re involved in a crash:

Move your vehicle out of the roadway, if you can. If your car is able to be driven move it off of the road a safe distance. By getting off the road you can help to avoid a second collision.

Turn on your flashers or your lights. You want to be certain your vehicle is visible to other drivers.

Check yourself and your passengers for injuries. If someone is injured, call 911 immediately.

Call local police to report the crash.

Call your insurance company to report the crash. The earlier your insurance company knows about the crash, the faster it can get to work to resolve your claim.

Start documenting what happened, if you can. If you’re able to do so safely, take photographs, make notes, ask witnesses for names and phone numbers. If you’re not able to do so safely, stand as far from the roadway— and the crashed cars—as you possibly can.

Exchange only your insurance company name. Don’t discuss the details of your coverage with anyone at the accident scene.

Exchange vital information with the other driver(s). Names, addresses, phone numbers are all useful to your insurance company in settling the claim.

For other tips to keep you safe on the road and keep your insurance rates down contact one of our agents.

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Why we can help people save so much

Joe — Thu, 03 May 2012 21:08:31 +0000

People ask us all the time, what makes us different from the competition.

First off, not all of our customers are located in the Clarks Summit, Scranton, and Wilkes-barre area. Our agency covers all of Pennsylvania and we have tools to help you from your home. It’s almost as if you are sitting face to face with our agents in our office. In addition to the usual phone conversation our agents are equipped with Skype, live chat, and screen sharing software. So it doesn’t matter if you’re in Philadelphia or Pittsburg. We can still help you like anyone who walks in our front door. No matter if you’re looking for home, auto, life, health or any other type of insurance.

“I got quoted with a Progressive agent down the street, how can you guys give me cheaper Progressive rates than them?”

This happens all of the time. We are a signature agent which means we have the ability to offer additional discounts that other agents can not.

People also say, “Your sign in the front says Progressive, isn’t that who you insure with?”

Yes and no. We are partnered with Progressive but we also have over 20 other companies as well. Such as Travelers, GMAC, Safeco, Encompass, Metlife, and so many more. This is our biggest advantage. Instead of just being locked into seeing prices for one company our agents can give you a quote with all of these companies at once. Not only can they see the prices of all of these companies for you, they can also see all of the discounts that you apply for. This system also saves you time — we do the shopping for you.

Try it for yourself today

Click here to run your own quote with all of our carrriers.

Call one of our agents at 1(877)503-8543

Or fill out the form to the right and an agent will call you within 24 hours.

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Attention Pet Owners

Joe — Thu, 15 Mar 2012 17:43:57 +0000

Pet owners spend a whopping $40 billion on their furry friends each year. That’s enough to buy a gallon of gas for every man, woman and child in the United States… 44 times. Insurance companies haven’t always viewed pets with the same passion as their owners. If you’re in an accident, generally everyone in the car – except your four-legged friend – is covered. Florey Insurance Agency now has a company that recongizes Fido and Fifi as family members. A policy with Collision coverage now extends to cats and dogs. The coverage pays up to $1000 if your dog or cat is hurt or dies as a result of a car accident. It also covers the pet for $1000 if your car is stolen.

And, best of all, the coverage is free.

To find out more call our office at 1(877)503-8543 or fill out the form to the right —>

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