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Grove Financial & Associates, Inc

350 S Sporting Hill Rd
Mechanicsburg, PA 17050

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Things home insurance won’t cover that may surprise you

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Owning a home comes with many challenges and surprises. One of them could be the things your home insurance doesn’t cover. Nothing is worse than having an issue and finding out your policy will not cover it. At Grove Financial & Associates Inc. in Mechanicsburg, PA, we try to ensure our customers don’t get any unpleasant surprises from their home insurance. 

Flooding

Flooding is one of the most destructive natural disasters, and it is not covered by home insurance. Even one inch of water in a home can cause thousands of dollars of damage. The good news is that if you live in an area where flooding is possible, you can get dedicated flood insurance through the NFIP.  

Wear and tear

Things wear out, and that is to be expected. But, your home insurance does not cover natural aging out of products. If your roof is 20 years old, home insurance won’t pay for a new one unless it gets damaged by a storm or high wind. 

Sewer backup

Sewer backup is disgusting, and if that isn’t bad enough, your home insurance won’t pay for the clean out of the pipes and the cleanup. You can, however, add a rider to your policy. 

Pests

Pests include quite a few different pests. They can be termites, carpenter ants, mice, or bats. No matter what type of pests you have, it is up to you to treat your home so that you don’t end up with an infestation. So, if you live in an area prone to termites, getting treatment is on you before you have issues. 

When you are ready to discuss home insurance, call our Grove Financial & Associates Inc. team in Mechanicsburg, PA, to discuss your needs. 

Protecting Cars and History Too

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Not all cars are created equal, and those a cut above inevitably earn the title of Classic Car. For those who own these unique and highly-valued automobiles, there also comes an extra expense, and that is where the benefits of having Classic Car Insurance can help. And for car enthusiasts in and around the Mechanicsburg, PA area, that means finding an insurance partner like Grove Financial & Associates Inc.

More than a Car

It doesn’t matter if you rebuild it piece by piece, from the ground up, as your dream restoration project or if you bought it fully restored to its original showroom condition. For many, these are more than cars. For some people, classic cars are a channel to bygone but never-forgotten times, while others appreciate the craftsmanship, style, and beauty that makes these manufactured masterpieces Classic Cars.

Yet, with all the different types of Classic Cars and reasons to love them, there are a few things these cherished rides and their owners have in common, like the desire to protect them. From the often expensive parts that are no longer being manufactured to insuring their value, there is more than a love of Classic Cars that bonds their owners.

Protecting Cars and History Too

For classic car owners throughout Mechanicsburg, PA, Grove Financial & Associates Inc. is there to help protect the classic cars we love and their history. If you are looking for classic car insurance for your classic car, then our team looks forward to helping you with all your classic car insurance needs. Contact us to learn more or to schedule an appointment today.

How Can You Get Insurance for Your Recreational Equipment?

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Pennsylvania has many hot spots for cold weather activities such as skiing, snowmobiling, and snowboarding. Your toys can cost a lot of money, from jet skis to snowmobiles to ATVs. However, you can get an insurance policy that covers your recreational vehicles and equipment year-round. Agents from Grove Financial & Associates Inc. in Mechanicsburg, PA can help you protect your investment and fun with recreational insurance,

Who Needs Recreational Insurance the Most?

Recreational insurance is the perfect solution for adventurers seeking unconventional coverage as they live life to the fullest. If you own recreational vehicles such as ATVs, you can protect your investment, yourself, and your passengers. In most cases, auto insurance doesn’t cover this type of special equipment and vehicles. Your agent can help you understand the options that would work best for your situation. However, many policies include options like collision, comprehensive, liability, uninsured motorist, and medical payments.

Remember that recreational insurance isn’t required in Pennsylvania, so you might want to add uninsured motorist coverage as an extra precaution. Otherwise, you could end up footing the bill if an uninsured operator damages your toy.

Get Help From a Knowledgeable Insurance Agent

A Grove Financial & Associates Inc. representative in Mechanicsburg, PA can provide the information you need to start your coverage. If you want us to review your existing policy and make suggestions for fuller coverage, our team is here to help. Additionally, you need to understand the terms of your policy, and a review with a professional agent is the best way to do that. If you have questions about the policy you choose, ask them upfront before making a final decision. 

Contact Grove Financial & Associates Inc. in Mechanicsburg, PA today to set up an appointment for a free quote!

The Renter’s Safety Net: How Grove Financial & Associates Inc Covers You

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At Grove Financial & Associates Inc., we pride ourselves on providing Mechanicsburg, PA residents with all the protection they need. Whether you are renting an apartment or a home, certain steps need to be taken to avoid certain pitfalls. To learn more about the renter’s safety net and the reasons why you need one, please be sure to read on.

Personal Property Protection

Renters will often make the mistake of assuming they are covered by their rental agreement in case of property damage but in most instances? This is decidedly not the case. To remain protected at all times, a proper insurance policy is required. Even those who do not believe they have a sizable amount of personal possessions could be left holding the bag for severe damages if they do not take the time to obtain the necessary protection.

Landlord Requirements

Several landlords are now requiring their tenants to purchase their own insurance. Before you can sign your paperwork and move in, the landlord will often request to see proof of these insurance policies. This keeps the landlord protected from shouldering any number of responsibilities and provides the tenant with the peace of mind that they deserve.

Reduced Traveling Stress

Once the belongings have been insured, they are covered at all times. This includes any trips that you may decide to take. Take a moment to speak with our experienced renter’s insurance agents, and we will be happy to let you know more about the coverage you can enjoy. When theft or other losses take place, the last thing that you want is to be forced into spending heavily to replace your most prized possessions.

If you have any additional questions or concerns about a potential renter’s insurance policy, please take a moment to stop by or give us a call. Grove Financial & Associates Inc. is always here to help Mechanicsburg, PA renters get the most out of their chosen policies!

My RV doesnt have a motor. Am I required to carry RV insurance?

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RV owners must follow the exact insurance requirements as owners of other vehicles. The type of RV determines which laws apply. The rules that govern RV owners are usually based on whether the RV is motorized, and the weight can also affect insurance requirements. At Grove Financial & Associates Inc. in Mechanicsville, PA, we are dedicated to assisting Pennsylvania RV owners in comprehending RV insurance and obtaining the necessary coverage. 

What are Pennsylvania’s RV insurance requirements? 

Pennsylvania’s law says all drivers must have liability insurance. This includes RVs and all motorized Class A, B, and C motor homes. Drivers need to have liability coverage in the amount of at least $15,000 for bodily injury and death per person. Drivers must also carry liability coverage for $30,000 if more than one person is injured or killed in an accident. Personal liability coverage for property damage for at least $5,000 is also required.  

Am I required to carry RV insurance?

No. If your RV isn’t motorized, you’re not legally required to carry RV insurance in Pennsylvania. However, if you are leasing or financing your RV, the loan company or lessor may require you to carry RV insurance. This is an insurance policy for the loan company if something happens to the RV before it’s paid in full. If you have auto insurance, your policy may cover small towable trailers. However, weight requirements may govern whether your RV would be eligible for this type of coverage. Also, RV insurance may be a good investment if you lack the finances to pay for damage or unexpected circumstances involving your RV. If you have more questions about RV insurance, call us. We’d be happy to help you explore your options. 

Do I Need Comprehensive Motorcycle Insurance?

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Comprehensive coverage prevents financial loss due to damage unrelated to an accident. You can receive reimbursement if your bike is vandalized, stolen, or compromised by severe weather. For riders with expensive motorcycles, comprehensive insurance provides peace of mind and additional protection above property damage and bodily injury insurance. Ask your Grove Financial & Associates Inc. agent about the best comprehensive coverage in Mechanicsburg, PA.

What Is Comprehensive Insurance for Motorcycles?

You can submit claims for covered events that impact your motorcycle. Your policy will pay out approved claims. Of course, every policy is unique. Therefore, meeting with a knowledgeable insurance agent is essential to determine the best coverage for your riding habits.

Comprehensive motorcycle insurance typically includes severe weather, theft, vandalism, wildlife collisions, and falling objects. You can also tailor a policy to meet your unique needs while cruising the highways and backroads throughout Pennsylvania.

Who Needs Comprehensive Motorcycle Coverage?

The lender typically requires comprehensive insurance if you borrow money to purchase a motorcycle. Otherwise, it depends on your risk tolerance and ability to pay for damages to your ride. Newer, more valuable motorcycles cost much more to replace than most older models. However, you may want to add comprehensive coverage if you can’t afford to make expensive repairs or replace your motorcycle. Speak with your insurance agent to determine the best budget and coverage for you.

 Get Comprehensive Motorcycle Insurance in Mechanicsburg, PA

Do you have a newer motorcycle or want additional protection for your legacy model? We recommend making an appointment to audit your current insurance for any potential gaps. Additionally, you can ensure you’re fully covered by adding comprehensive motorcycle insurance to your policy. Contact the Grove Financial & Associates Inc. team to make an appointment for a free quote.

What Type of Vehicles Does Watercraft Insurance Cover?

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At Grove Financial & Associates Inc in Mechanicsburg, PA, we help clients protect their prized watercraft possessions against theft, liability, and more. For first-time watercraft owners, navigating the insurance world can feel confusing. After all, boat insurance might have the word “boat” in the name, but that doesn’t mean it can’t cover other types of vehicles designed to move through bodies of water.

Watercraft insurance covers a range of different recreational vehicles and watercraft. Still, it does exclude certain kinds of water toys. To ensure that you can cover certain costs related to your watercraft and afford emergency expenses with it, you should know what types of vehicles are covered by boat or watercraft insurance. 

What types of vehicles does watercraft insurance cover?

For watercraft insurance, a few types of vehicles are always covered under these policies. For example, boats like fishing boats, deck boats, dinghy boats, and sailboats are always covered. Additionally, yachts and houseboats are covered under almost all watercraft insurance policies. Some recreational water vehicles, such as jet skis, are also covered under most boat insurance policies. 

Certain watercraft policies only cover specific types of boats. One of these types of watercraft insurance policies is yacht insurance. As you can imagine, this kind of boat insurance only covers yachts. For other types of boat insurance policies, you may cover a range of watercraft. 

If you’re unsure what type of boat insurance policy to purchase, our agents at Grove Financial & Associates Inc in Mechanicsburg, PA are always happy to help you figure out the best policy for your needs. You can stop by our office today or give us a call to find out more about what boat insurance policies we offer. 

When does umbrella insurance kick in?

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Umbrella insurance from us at Grove Financial & Associates Inc is an extra layer of protection that kicks in when your other liability policies are exhausted. It provides additional financial coverage for claims and lawsuits against you in the Mechanicsburg, PA area, such as a liability claim for bodily injury or property damage. It can be used to cover expenses that would otherwise not be covered by your existing insurance policies, such as legal fees, court costs, and judgments against you.

When does umbrella insurance kick in? Umbrella insurance kicks in after the limits on your other liability policies have been met. If you have a $500,000 limit on your auto policy and are sued for $1 million in damages, your umbrella insurance will kick in and cover the remaining $500,000. Without umbrella insurance, you would be responsible for these costs out-of-pocket.  

Umbrella insurance also often covers certain claims not covered by other policies, such as false arrest, libel, and slander. This makes it an ideal choice for business owners or those with high-value assets to protect.  

Finally, umbrella insurance can provide greater peace of mind when protecting yourself and your assets. With this type of coverage in place, you can rest assured that you’ll be covered should a significant liability arise. It’s Iess worry to have on your plate if something unexpected happens. 

Umbrella insurance is a crucial tool to protect yourself from costly lawsuits and settlements in the Mechanicsburg, PA area that could otherwise devastate your finances. It’s also ideal to speak with an experienced insurance agent at Grove Financial & Associates Inc about whether umbrella coverage is appropriate for your needs.

The difference between unit policies and a master condo policy

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When living in a condominium in the Mechanicsburg, PA area, it’s essential to understand the difference between unit policies and a master condo policy. Unit policies, like those from Grove Financial & Associates Inc, apply to individual units in the building and may differ from one unit to the next. If you rent a condo, they are typically outlined in the lease or rental agreement you sign with your landlord or management company.

A master condo policy applies to all of the units in the building and common areas such as lobbies, hallways, and outdoor recreational areas. The master policy outlines rules that must be followed by all tenants and are usually set forth by the condo board or homeowners association. 

It’s important to familiarize yourself with both types of policies to ensure that you remain compliant while living in your condominium. Following unit policies will help protect your rights as a tenant while adhering to a master condo policy ensures that everyone in the building follows the same rules and regulations. This helps create an atmosphere of respect, safety, and harmony within your condo community. 

For more information, or if you want to find a policy that suits your needs, call us today. At Grove Financial & Associates Inc, we work with both condo associations and individual owners. We are happy to help Mechanicsburg, PA area condo owners, renters, and management companies find the policies they need to suit their individual needs and their budgets. So do not delay! Give us a call today! 

The Facts About Pennsylvania Auto Insurance

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If you drive a vehicle in Mechanicsburg, PA (or anywhere in the state of Pennsylvania), you’ll be required to have auto insurance. If you’re currently in the market for auto insurance, be sure to contact us at Grove Financial & Associates Inc. In the meantime, check out these facts about Pennsylvania auto insurance:

Minimum Coverage Requirements

Like most states, Pennsylvania implements minimum coverage requirements to help protect all drivers on the road from catastrophic financial loss in the event of an accident. Pennsylvania law requires drivers to have liability insurance, which covers damages or injuries they cause to others in an accident. The minimum requirements are $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $5,000 for property damage.

Optional Coverage Packages

In addition to the required liability coverage, Pennsylvania drivers can purchase optional coverage such as collision, comprehensive, and uninsured or underinsured motorist coverage. Collision coverage pays for damages to your own vehicle in an accident, while comprehensive coverage pays for damages caused by non-collision events like theft or natural disasters. Uninsured or underinsured motorist coverage protects you if you’re in an accident with someone who doesn’t have enough insurance to cover the cost of damages.

No-Fault System

Pennsylvania is a no-fault state, which means that regardless of who is at fault for an accident, each driver’s own insurance company is responsible for paying their medical expenses and lost wages. However, if you are seriously injured in an accident, you may be able to sue the at-fault driver for damages that exceed your insurance coverage. 

Available Discounts

Pennsylvania auto insurance companies may offer discounts for factors such as a good driving record, owning multiple vehicles, and extra safety features on your car. Be sure to ask your insurance company about any available discounts they offer.

Driving Without Insurance

Driving without insurance in Pennsylvania can result in fines, suspension of your driver’s license, and impounding your vehicle. Maintaining adequate insurance coverage is essential to protect yourself and others on the road. It could cost you far more than you may realize if you don’t.

Remember, if you live in or near Mechanicsburg, PA, contact Grove Financial & Associates Inc to learn more about getting auto insurance!

Partner Carriers

  • AIC
  • Aegis
  • Allied
  • American Home Modern
  • Assurant
  • Bristol West
  • Donegal
  • Foremost
  • Guard
  • Hagerty Insurance
  • Millers Mutual
  • National General
  • Nationwide
  • PennNational
  • Progressive
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Utica
  • Westfield