Client:  “I just looked at my April deduction and it didn’t go down?  I thought I was supposed to get a stay-at-home credit of __% off my auto premium.”
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Answer: Thank you for your great question.  This can be confusing.   So here is the answer…..
You may read something from your insurance company that looks like this: “Customers on a direct bill or recurring payment plans will receive the automatic credit on future bills. Those who paid in full will receive a direct payment.”

It’s that time of year when many families are jumping into their RVs and enjoying the open road. Whether you’re heading to a local campground or planning your getaway a lot farther from home, you’ll want to make the trip safely.

​At Berkshire Insurance Services, we want you to travel safely too. Here are some great tips to help you get out there and back without the worry because nothing can ruin an RV trip faster than trouble on the road

Adding a teenager to car insurance can be a challenging time for parents. Not only are parents anxious about their teen’s driving safety, they often suffer from “sticker shock” when faced with an increase in premium.
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Below is a look at how teens drive these days. This information will give you a better understanding of the risks teen drivers pose and provide ways to save money.   Most importantly, you can use it to have a conversation with your teen about driving safety.

Are you or someone you know getting engaged this Valentine’s Day? Are you giving your Valentine a watch or necklace to tell them how much they mean to you?

Every reason why you treasure a piece of fine jewelry is a reason you should insure it.
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However, calling it “jewelry insurance” may be a stretch. You don’t need a separate policy to insure your jewelry. You just need to ensure you have the right personal property coverage from your homeowners, condo, or renters insurance.

According to the U.S. Energy Information Administration, 87% of homes in the U.S. use air-conditioning equipment at a cost ranging from $60 to $525 annually. That’s about 12% of a family’s total home energy expenditures.  That might not be such a surprise if you’re the one who writes the check for your household energy bill every month.
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Believe it or not, you can spend less on cooling costs while still keeping cool in southeaster P.A.

Most people have an idea of what’s covered and not covered under their various insurance policies. But at Berkshire Insurance Services, we get a lot of questions about borrowing or loaning a car and if Auto Insurance covers it.
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You might be thinking about borrowing your neighbor’s truck for a home-improvement project. Or maybe a friend has asked to borrow your car while hers is in the shop. You should understand the implications if one of those borrowed vehicles is involved in an automobile accident.

New car shopping can be a lot of fun, especially if you’re a car enthusiast. But others can find the experience stressful and tiring. Either way, there’s a lot to think about. According to a survey of car shoppers, overall purchase price is the most important factor when shopping for a new car (46 percent), followed by make and model (31 percent).
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Safety and performance come in a distant third, tied at seven percent. But whether you’re turned on or turned off by the dizzying types of car choices, trim options, “expert” reviews, incentives and other deals, it definitely pays to approach new car buying strategically.

Solar panels can be economically and environmentally sound. According to Energy Saver, solar energy is sustainable, renewable, and plentiful. Benefits of solar for residents include cost savings, increased home value, and a reduction in greenhouse gas emissions.

They’ve become more accessible than ever. The Office of Energy Efficiency & Renewable Energy reports that the cost of solar PV panels has dropped nearly 70% since 2014. According to one research firm, in 2013, U.S. homes and businesses installed a new system every four minutes.
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But, is solar power right for you?  To help answer that question, here are five things to think about before making the switch:

When it comes to auto insurance, you have a choice to purchase Combined Single Limits (CSL) or a Split Limit liability policy.  Which one offers better coverage?

Combined Single Limit Liability Coverage (CSL)

It’s that time of year here in southeastern Pennsylvania! The leaves are turning brilliant shades of yellows, reds, and oranges, days are getting shorter, and the evenings are getting colder. It’s the perfect time to sit around a fire pit with friends and family and enjoy the changing season – unless, of course, that fire blazes a little too much.

​While a fire pit can be an excellent addition to your home, all fires are potentially dangerous. According to NBC News, “…at least 5,300 injuries related to fire pits or outdoor heaters were treated at emergency rooms in the U.S. in 2017…” A quarter of those injuries were children under the age of five, and many were the result of abandoned coals that were still hot.