Coverage
Six chapters, eight carriers, one agency.
Full Circle is independent, so none of what follows is tied to a single insurance company’s appetite. Each page below explains what the cover actually does and what the agency will need from you to price it properly.
Personal lines
Home insurance
Dwelling limit, loss settlement, deductible and what the form says about water. The four lines that decide almost every claim, on the policy most people own and fewest have read.
Personal lines
Auto insurance
Pennsylvania makes drivers choose limited tort or full tort, and choose whether to stack underinsured cover. Both are on your policy now, and both are easy to hold without knowing it.
Personal lines
Renters and condo insurance
Somebody else insures the building. That is not the same as somebody else insuring you. Landlord policies for the other side of the arrangement too.
Commercial lines
Business insurance
Small business policies, commercial accounts, professional liability and management liability. Which of them you need depends on how the business actually makes its money.
Personal lines
Life insurance
Work out what would still have to be paid if the income stopped, subtract what is already there, and insure the difference. The employer policy is a start, not a plan.
Specialty lines
Boat, RV, flood and specialty
Boat and yacht, motorcycle and ATV, recreational vehicle, flood, jewellery and valuable items, and wedding and event cover. The lines a single company shop most often declines.
Not seeing it? Between eight carriers there is usually somewhere to put an unusual risk. Call (724) 935-8000 and ask.