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Buzby Insurance Agency Twenty years as a commercial insurance underwriter, now your trusted agent partner

A lower premium can be appealing, but what happens when you need to file a claim?Your deductible is the amount you pay o...
09/30/2026

A lower premium can be appealing, but what happens when you need to file a claim?

Your deductible is the amount you pay out of pocket before your insurance coverage helps pay for a covered loss. In general:

• A higher deductible usually means a lower premium, but more out-of-pocket expense after a claim.
• A lower deductible usually means a higher premium, but less to pay when a covered loss occurs.

The right choice depends on your budget, emergency savings, coverage needs, and comfort with financial risk. It’s also important to remember that deductibles can vary by policy and type of claim.

Not sure which option makes sense for you? Please reach out: we’re happy to help you review your choices and find coverage that fits your needs.

Call 610-831-3004
Email [email protected]
Connect here: https://t.mtrbio.com/buzbyinsuranceservices

If your home needed to be rebuilt after a covered loss, would you know which number your dwelling coverage is based on?R...
09/28/2026

If your home needed to be rebuilt after a covered loss, would you know which number your dwelling coverage is based on?

Replacement cost is the estimated amount needed to rebuild your home with similar materials and quality. Market value is what your home might sell for, and it includes factors like location, land, and local demand. These numbers can be very different, especially here in Pennsylvania.

That’s why choosing the right dwelling coverage matters. Construction costs, renovations, additions, and updated building requirements can all affect how much coverage your home may need.

A quick coverage review can help you spot gaps before you need to rely on your policy. We’re happy to talk through the details and help you make an informed decision.

Please reach out to review your coverage:
610-831-3004
[email protected]
https://t.mtrbio.com/buzbyinsuranceservices

Thinking about adding solar panels to your Pennsylvania home? Before installation begins, take a moment to review your h...
09/25/2026

Thinking about adding solar panels to your Pennsylvania home? Before installation begins, take a moment to review your homeowners insurance.

Solar projects can raise important coverage questions, including:

• Are the panels covered for damage from wind, hail, fire, or other covered losses?
• Does your policy address panels owned by you versus leased equipment?
• Could installation affect your roof coverage or liability protection?
• Does your insurance company need to be notified before or after installation?

Every policy and solar arrangement is different, so it’s worth having an open conversation before the work begins. A quick review now can help you avoid surprises later.

Please reach out to us before you go solar. We’re happy to help you understand what to check and connect you with coverage options that fit your home.

610-831-3004
[email protected]
https://t.mtrbio.com/buzbyinsuranceservices

Driving for Uber or Lyft in Pennsylvania? Your coverage may change depending on what’s happening in the app.When the app...
09/23/2026

Driving for Uber or Lyft in Pennsylvania? Your coverage may change depending on what’s happening in the app.

When the app is off, your personal auto policy generally applies. Once you’re online and waiting for a ride request, coverage can become more complicated. After you accept a trip or have a passenger in the vehicle, the platform’s coverage may apply, but limits, deductibles, and coverage types can vary.

The important takeaway: platform-provided insurance does not automatically replace your personal auto policy, and your policy may not fully cover every rideshare situation. A rideshare endorsement or tailored policy may help address potential gaps, including coverage for your vehicle and protection during waiting periods.

Before your next trip, review:
• Your personal auto policy’s rideshare exclusions
• Uber or Lyft’s current Pennsylvania insurance details
• Liability, comprehensive, collision, and deductible limits
• How coverage applies while waiting for a request

We’re happy to help you understand your options before a coverage question becomes a claim. Please reach out to review your policy:

610-831-3004
[email protected]
https://t.mtrbio.com/buzbyinsuranceservices

Fall in Pennsylvania means changing leaves, earlier sunsets, and more deer near the road. If a collision happens, knowin...
09/21/2026

Fall in Pennsylvania means changing leaves, earlier sunsets, and more deer near the road. If a collision happens, knowing what to do can make a stressful moment a little easier.

• Move to a safe location if your vehicle can be driven. Turn on your hazard lights.
• Call 911 if anyone is injured or the roadway is dangerous. Contact local authorities when appropriate.
• Take photos of the vehicle, the scene, and any visible damage, only when it is safe to do so.
• Avoid driving if the vehicle is unsafe. Arrange a tow if needed.
• Contact your insurance agent promptly to discuss the claim and next steps.

In many cases, damage from hitting a deer is handled under comprehensive coverage, subject to your deductible and policy terms. Coverage can vary, so it is worth reviewing your policy before you need it.

Please reach out if you have questions about your auto coverage or want help understanding your options. We are always happy to help: especially before the deer decide to test your reaction time. 🙂

610-831-3004
[email protected]
https://t.mtrbio.com/buzbyinsuranceservices

Planning a renovation for your Pennsylvania home? Before the first wall comes down, or the first ladder goes up, take a ...
09/18/2026

Planning a renovation for your Pennsylvania home? Before the first wall comes down, or the first ladder goes up, take a moment to review your insurance coverage.

A major project can change your home’s value, create new risks, and involve contractors, materials, permits, and temporary living arrangements. Before work begins:

• Tell your insurance agent about the project.
• Confirm your contractor carries appropriate liability and workers’ compensation coverage.
• Ask whether your policy addresses building materials, renovations in progress, permits, and the home’s increased value.

A quick conversation now can help prevent surprises later. We’re happy to help you understand what may need to be updated before your project gets underway.

Please reach out to review your policy:
610-831-3004
[email protected]
https://t.mtrbio.com/buzbyinsuranceservices

Your retail stock and supplies help keep your Pennsylvania business moving. From merchandise on the sales floor to produ...
09/16/2026

Your retail stock and supplies help keep your Pennsylvania business moving. From merchandise on the sales floor to products and equipment stored in the back, protecting your inventory is an important part of a thoughtful business insurance plan.

Coverage needs can vary by business, location, inventory type, and potential risks. We’re here to help you review your options, identify gaps, and find coverage that fits your operation, without making the process feel like another item on your already-full to-do list.

Have questions about protecting your retail inventory or business supplies? Please reach out:

610-831-3004
[email protected]
https://t.mtrbio.com/buzbyinsuranceservices

That “I got my license!” moment is exciting, and it also comes with a few insurance to-dos. 🚗When a teen begins driving ...
09/14/2026

That “I got my license!” moment is exciting, and it also comes with a few insurance to-dos. 🚗

When a teen begins driving regularly, let your insurance agent know so your Pennsylvania auto policy can be reviewed. Adding a new driver may affect your premium, vehicle assignments, and coverage needs.

It’s also a good time to ask about potential savings, including:
• Good-student discounts
• Approved driver-training discounts
• Usage-based or safe-driving programs, when available

We can also help you review your household drivers, vehicle use, and liability limits so there are no surprises later.

Please reach out for a quick policy review:
610-831-3004
[email protected]
https://t.mtrbio.com/buzbyinsuranceservices

What would it cost to replace everything you own after a covered loss? Your furniture, clothing, electronics, kitchen it...
09/11/2026

What would it cost to replace everything you own after a covered loss? Your furniture, clothing, electronics, kitchen items, and everyday belongings can add up quickly.

Personal property coverage is designed to help repair or replace covered belongings after events such as theft, fire, or certain types of water damage. For homeowners, it is typically part of a home insurance policy. For renters, renters insurance can help protect your belongings even though your landlord’s policy generally covers the building, not your personal items.

A few smart steps:
• Create a home inventory and save photos or receipts.
• Review your coverage limits regularly.
• Ask about special limits or additional coverage for jewelry, collectibles, cameras, and other valuable items.
• Make sure you understand your deductible and covered losses.

Coverage should match your life, not just your lease or mortgage. Please reach out, and we’ll help you review your options with clear, personalized guidance.

Connect with us: https://t.mtrbio.com/buzbyinsuranceservices
610-831-3004 | [email protected]

Is it just me, or does the best business advice usually come over a cup of lukewarm coffee at a early morning mixer? I’v...
09/09/2026

Is it just me, or does the best business advice usually come over a cup of lukewarm coffee at a early morning mixer?

I’ve always believed that business isn’t just about the policies we write, it’s about the people we protect and the neighbors we grow alongside. For us, local Chamber of Commerce events are more than just networking; they’re the heartbeat of our Pennsylvania community.

There is something incredibly powerful about getting a group of local business owners in one room. Whether we’re sharing stories about navigating the current economy or just catching up on how the family is doing, these connections remind me why I love what I do. Friends, family, and business partners… they all tend to run together anyway, and I wouldn’t have it any other way.

A huge thank you to our local partners for keeping our business community strong. If you’re a local business owner looking to chat about protecting what you’ve built or just want to swap some stories, please reach out. I’d love to connect!

Reach out here: https://t.mtrbio.com/buzbyinsuranceservices
Office: 610-831-3004
Email: [email protected]

Address

1741 Valley Forge Road, #8
Worcester, PA

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