Skip to content
Click to Call
The Hansen Agency LLC

1115 Park Ave
Washington, PA 15301

Get Directions

The Hansen Agency LLC Blog

Author: admin

Can a Security System Save You Money on Home Insurance?

Posted on by admin

It’s no secret that home insurance rates have been on the rise in recent years. And your rates could be even higher if you live in or near a high-risk area. But what many Canonsburg, PA homeowners don’t realize is that installing a security system may provide them peace of mind and help save money on their home insurance premiums.

Security Systems and Home Insurance

Many insurance companies offer discounts to homeowners who have security systems installed in their homes. These systems deter burglaries and other crimes, leading to your home insurance policy claims.

We suggest you check with The Hansen Agency LLC about requirements before you install a system. Some insurers require specific brands or styles and professional installation. You may also need to purchase a policy rider to cover the system.

How Much Can You Save?

The amount you’ll save on your premium will vary depending on your insurer and the type of system you have installed. But it’s not uncommon to save 5% or more on your home insurance by installing a security system. You may need to update the system over the years to maintain the discount, but it’s worth it for the peace of mind and potential savings.

Other Benefits of a Home Security System

Besides the savings on your home insurance, a security system can also make your home safer. And that’s something you can’t put a price on. Keep your family and belongings safe by installing a security system in your home today.

For more information on home insurance and to get a free, no-obligation quote, contact The Hansen Agency LLC in Canonsburg, PA.

5 Mistakes to Avoid When Buying Auto Insurance

Posted on by admin

Anyone who’s ever had to shop for auto insurance knows that it can be confusing. There are many options, coverages, and providers to choose from, and it’s hard to know if you’re getting the best possible deal. To save both time and money, it’s important to avoid making some common mistakes when purchasing auto insurance. The Hansen Agency LLC in Canonsburg, PA offers this guide in navigating this important topic. 

5 Mistakes to Avoid When Buying Auto Insurance

1. Not Understanding Your Coverage

It’s important to know what exactly your policy covers and doesn’t cover. If you don’t, you could be in for a rude awakening if you ever need to make a claim. Be sure to ask your agent any questions you have about your coverage so that you’re clear on what’s included.

2. Skimping on Coverage

It may be tempting to save money by opting for the bare minimum coverage required by your state, but this could end up costing you more in the long run if you’re involved in an accident. Make sure you have enough coverage to protect yourself financially in the event of an accident.

3. Omitting or Misrepresenting Information

When you’re applying for auto insurance, it’s important, to be honest about your driving history, vehicle, and any other relevant information. If you omit or misrepresent any of this information, it could invalidate your policy and leave you without coverage if you need to make a claim.

4. Choosing the Wrong Deductible

This is one of the most common mistakes people make when buying auto insurance. Be sure to choose a deductible that you can afford to pay if you ever have to make a claim. If you choose one that’s too low, your premiums will be higher, and if you choose one that’s too high, you may not be able to afford to pay it if you need to make a claim.

5. Failing to Compare Policies

Different policies cover different things, so it’s important to compare them before purchasing one. Be sure to look at both the coverage and the price when making your decision. Do not also forget to ask about each policy’s limits, conditions, and exclusions before you make your purchase.

If you’re shopping for auto insurance, avoid making these common mistakes. Be sure to understand your coverage, choose a policy that covers enough, and compare different policies before buying. The Hansen Agency LLC in Canonsburg, PA can help you find the right auto insurance policy for your needs. Give us a call today to get started.

Do Home Businesses Need Commercial Insurance?

Posted on by admin

While some home businesses don’t need commercial insurance, others have extensive needs that require separate coverage. Home businesses that rely on client traffic might need more third-party liability coverage than a homeowner’s policy offers. Some home businesses even purchase business owners’ policies that bundle property and general liability insurance into one policy. Read on to discover more reasons you should come to The Hansen Agency LLC to insure your local Canonsburg, PA home business.

Home business liability insurance

Many small businesses are run from home, and the number of home-based businesses is growing every year. More than half are sole proprietorships, though some are S-corporations or partnerships. Home-based companies are increasingly diverse, with most being service-oriented. Home-based businesses must take special care to understand the specific financial risks and the differences between commercial and personal insurance liability.

A home-based business should also consider professional liability coverage, or E&O. This type of insurance protects a home-based business from liability claims resulting from a client’s negligence. It also protects the company from legal expenses, settlements, and other expenses related to unintentional errors.

Home business property coverage

Generally, a home-based business owner will have a wide range of property and equipment. While homeowners’ policies cover the home’s contents, a business owner should also purchase business property coverage, which can protect the business’s property in the event of theft or damage.

Home owners’ insurance policies only cover $2,500 worth of business property, and they usually exclude liability claims and downtime related to property losses. A business owner’s insurance policy should cover these costs and be tailored to the nature of the business. This coverage is particularly important for home-based businesses with inventory and expensive equipment.

Navigating the ins and outs of commercial insurance can be challenging to do alone. Let The Hansen Agency LLC help you find the right insurance to protect your Canonsburg, PA home business today!

Choosing Homeowner’s Coverage in Canonsburg PA

Posted on by admin

Are you buying, or do you own, a residence in Canonsburg, PA? If so, you should know that homeowner’s coverage is a must. Besides protecting your home and possessions, it can also provide liability protection in case someone is injured on your property.

Considerations for Choosing a Policy

There are many factors to consider when choosing a homeowner’s coverage. The first step is to determine how much coverage you need. You’ll need to estimate the value of your home and possessions and also think about whether you want to add liability protection. A representative from The Hansen Agency LLC can help you determine the right amount of coverage for your needs.

Additional Protection

Your insurance company will also need to know about any risks associated with your home that might require additional protection. For example, if you live in a flood zone, you’ll need to purchase flood insurance. The same is true for homes in areas that are prone to wildfires or earthquakes.

Insurance Deductable

Another thing to consider is the insurance deductible. This is the amount of money you will have to pay out of pocket before your insurance company begins to reimburse you for losses. The higher the deductible, the lower your premiums will be. It’s important to discuss these factors with an insurance agent so that you can make the right choices for your needs.

Regular Coverage Reviews

It’s important to review your policy every year and make changes as needed. For example, if you’ve added new possessions or renovated your home, you’ll need to update your policy to reflect those changes. Homeowner’s insurance is a significant investment, and it’s essential to choose the right policy to protect your home and possessions. Working with an insurance agent can help you make the right decision for your needs.

The Hansen Agency LLC serving the Canonsburg, PA community can help you make the right decision for your needs.

3 Benefits Of Auto Insurance

Posted on by admin

The Hansen Agency LLC serves Canonsburg, PA and surrounding areas. We are committed to helping our clients obtain the coverage they’re looking for. We proudly serve the area as an independent agency. This allows us to offer multiple types of coverage. Providing reliable service is important to us.

3 Benefits Of Auto Insurance

Operating a vehicle comes with multiple risks. You have to navigate changing road conditions such as traffic and detours. You also have to be aware of how other drivers are behaving. Auto insurance is a safety net while you’re on the road. You are covered if your vehicle suffers damage from a collision with another driver or object. You are also covered if you accidentally injure someone or cause property damage. Liability coverage also covers any necessary medical treatment that a passenger may have sustained. Here’s a look at some other auto insurance benefits.

Severe Weather Coverage

As a Canonsburg, PA resident, you are used to driving in severe weather. These weather conditions are dangerous and increase tension while on the road. Auto insurance covers your vehicle if it suffers damage due to extreme weather. Maybe high winds in the area cause debris to crack your windshield or mirror. Perhaps a tree branch snaps and dents the hood.

Theft Coverage

Being a victim of theft is not a pleasant experience. Auto insurance covers you if your vehicle is stolen. Perhaps the thief is unable to steal your car but vandalizes it. Comprehensive coverage protects you in that situation as well.

Personal Injury Coverage

You can add personal injury coverage to your auto insurance policy. Personal injury coverage protects you by covering your medical treatment if you are injured in an accident.

The Hansen Agency LLC Will Help You Protect Your Assets

Contact us today to learn more information about auto insurance.  

Home Insurance FAQs

Posted on by admin

Your home is the biggest investment most people will ever make. Making sure it is protected is important. Having the right home insurance gives you the safety net you need. At The Hansen Agency LLC in Canonsburg, PA, we know that your home is your castle, and we work with you to make sure you can sleep at night knowing you are protected. We are independent agents, which means we offer policies from a variety of carriers, and we can provide our customers with choices. 

Is home insurance required in Pennsylvania?

No, the state of Pennsylvania does not require that you have home insurance. If however, you have a mortgage, your lender will require it since they have a vested interest in your home. 

What coverage does home insurance provide?

Home insurance gives you property coverage for the physical structure of your home as well as any other structures on your property such as a detached garage or shed. It also covers your content either for the cash value or the replacement cost. Home liability coverage is an important part of your home insurance in the event someone is injured while visiting your home or by a family member away from home, even your furry friend. Additionally, if your home is damaged, your home insurance will help you to have a place to stay while your home is being repaired. 

Will my home insurance cover my home if it is flooded?

If a pipe bursts within your home, yes it will. If the flooding comes from a sewer backup, it probably isn’t covered, and if it is surface water, you won’t be covered. 

In Canonsburg, PA The Hansen Agency LLC provides the home insurance coverage that our customers want and need. You can contact us on the phone or in person, we are here for you. 

What commercial insurance is required in Pennsylvania?

Posted on by admin

Owning a business can be very risky. Many things can go wrong, and those things can result in your business closing if you don’t have the proper commercial insurance to protect you. In Canonsburg, PA, The Hansen Agency LLC works with our customers to make sure they have the insurance they need. As independent insurance agents, we work for them, not the insurance companies, and we give our customers the choices they need to make the right decision about coverage. 

In the state of Pennsylvania, businesses are required to protect their employees with Workers Compensation Insurance. This insurance provides workers who are hurt on the job with payment for medical expenses and with lost time from work. If you have even one employee, this is required. All businesses that have vehicles are required to have the minimum mandated amount of auto insurance. But even though these are the only commercial insurance requirements, it is important to consider what insurance will help to keep you in business. 

Commercial property insurance protects the things you need to stay in business. Even if you don’t own your business location, you do own what you have inside. Could you survive if you lost everything in your business location? Property insurance covers your machinery, inventory, raw materials, tools, office equipment and electronics, records, and more. 

Commercial liability insurance protects your business from lawsuits brought against it. Businesses are vulnerable to being sued. Most businesses have been threatened with a lawsuit and between one-third and one-half of all small businesses are sued in any given year. Without the right commercial liability insurance, you will need to pay any judgment out of your own pocket and legal expenses as well. It could kill your business. 

Contact The Hansen Agency LLC in Canonsburg, PA for personalized commercial insurance to fit your business needs. 

Archives

Categories

Our Services

Servicing States

  • Pennsylvania
  • West Virginia
  • Ohio

Testimonials

Partner Carriers

  • Aegis
  • Aflac
  • ASI Progressive
  • Bristol West
  • Erie Insurance
  • Farmers fire
  • Foremost
  • Geico
  • Grange Insurance
  • Grundy Insurance
  • Hagerty
  • J.C. Taylor
  • Liberty Mutual
  • Millville Mutual
  • National General
  • Next Insurance
  • PHLY
  • Progressive
  • RPS Insurance
  • Safeco
  • State Auto Insurance
  • Tuscano
  • US Assure
  • Wright Flood
The Hansen Agency LLC

The Hansen Agency LLC | Website Development by EZLynx® • Copyright © 2025. All Rights Reserved.