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Don’t Make These 7 Silly Security Mistakes

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Regardless of whether you live in a rural or urban area, burglaries happen. In 2017, on average, a burglary occurred every 18 seconds in the United States. You can avoid being part of a statistic by avoiding to make these seven silly security mistakes.


House keys outside

Leaving A Spare Key Under The Door Mat

Even an inexperienced burglar has seen enough cartoons and movies to know that many people leave a spare key to their house under the front door mat. If this is where you hide your spare key, it’s probably best you look for a better spot.


Ladders in backyard

Leaving A Ladder In The Backyard

If you own a ladder, keep it locked in your garage or in your basement. Most people don’t secure the top floor of their house as well as they do the ground floor, often forgetting to lock the upper windows. If you allow a burglar the opportunity to reach the second floor of your house, you may end up paying for it.


dark porch light

Having Limited Light Around Your House

A well-lit house is a secure house. A burglar is less likely to rob your house if they think someone will see them. If you have a singular spotlight pointing toward your driveway, that isn’t going to be enough. Outside lights around your doors will deter a burglar from breaking in.


Forgetting To Lock Windows And The Garage Door

Typically, as soon as you enter your house, you lock the front door behind you. Right before you go to bed, you most likely will lock the side or back door as well. However, many forget to lock their windows and garage door before heading to bed.


Full mailbox letters

Forgetting To Stop The Mail

If you’re going on vacation, be sure to either stop the mail to your house or have a neighbor pick the mail up for you. If a burglar is walking past your house and sees a stack of mail outside, they might pick up on the fact that you’re not home. This is an open invitation for burglars to break into your home.



Relying On Your Dog To Keep You Safe

Your dog isn’t guaranteed to attack or even bark if an intruder comes in the house (unless it’s a squirrel, perhaps). There are many other home security measures that are more reliable than our furry companions. Be sure to take additional measures to keep your home safe.


social media apps

Posting About Future Plans On Social Media

You’re probably taking tons of pictures and having a great time on vacation, but don’t post it on social media. Intruders may be looking at public social media posts to find potential leads on houses to rob. Save your excitement until you get back, then you can post all the pictures you want — risk free!


You can be as safe as you want, but sometimes things happen. When they do, make sure you have the proper insurance. At Yetter Insurance, we can help you with the proper policy to ensure peace of mind.


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Wait…I Can Insure That?

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When we think of insurance, we imagine home, auto, and even boat coverage. However, many don’t realize just how far you can go as to what you can insure. From a model taking out a policy covering the damage to her legs, to a comedian taking out a policy just in case they lose their sense of humor, oddities in the world of insurance aren’t that unusual after all. Here are just a few of the strangest things people have insured in the past.

The most expensive insurance policy issued for a cigar was written by Lloyd’s of London. The cigar is over 12 feet long and was made from more than 15,000 tobacco leaves. In case you were wondering, the cigar holds the world record for the longest cigar.

It is possible to purchase insurance against alien abductions. Around the US, more than $10 million dollars in alien abduction insurance has been written, with higher payouts available for people who are abducted frequently. Keep in mind that this is very difficult to prove.

Bruce Springsteen, well known for his unique vocal qualities, has his voice insured for an impressive $6 million dollars.

Famous model and America’s Got Talent judge Heidi Klum has her legs insured for $2.2 million. In the 1940s, Twentieth Century Fox had insured Betty Grable’s legs for $1 million each—that is even more impressive!

American comedian Rich Hall has an insurance policy that protects him for up to $1 million dollars if he loses his sense of humor.

The Santa at the Macy’s Department Store in New York has his beard insured for an undisclosed amount. However, we can understand why.

If you have something *ahem* unusual that you would like to insure—or to discuss more traditional insurance policies—then give our experienced team at Yetter Insurance a call.

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Tie The Knot (Then Insure It)

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Congratulations! You and your significant other just got married, and now you’re starting your new life together. Before you get caught up in all of the exciting changes to come, there’s something you should consider insuring—the ring around your finger.

Types of Ring Insurance

There are two commonly used ways to insure an engagement ring. The first is through an extension on your renter’s or homeowner’s insurance policy. Your existing homeowner’s policy provides coverage for items in your home, but only up to a certain dollar amount. Purchasing an extension would provide additional coverage against theft.

The second option is to purchase a personal inland marine policy. This policy is separate from your homeowner’s or renter’s insurance policy, and it provides coverage against theft, misplacement, or loss of valuable items, such as your wedding and engagement ring.

Who Needs It?

You do — if you have bought a wedding or engagement ring, you should purchase insurance.

Why You Should Get It?

Purchasing a ring insurance policy not only honors the monetary value of the item, but also what the ring itself represents — protection and security for something you love and cherish. Although the sentimental value cannot be replaced, in the case of loss or theft, insurance can cover the cost of replacement.

Additional Info

  • If you insure the ring through your homeowner’s or renter’s insurance, make sure to update your policy if you move.
  • The yearly cost of insuring a ring is $1-2 for every $100 it would cost to replace it.

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Yes, Even College Students Should Think About Insurance

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The first thing most colleges make you aware of when you live in a dorm is that they are not responsible for damages or loss of personal property. This means that all the expensive gear in your dorm is essentially unprotected. With the rising prices of college gear, it’s important to make sure you have the proper insurance.

Between textbooks, a computer, smart phone, tablet, television, mini fridge, a bike, and more, the average college student has thousands of dollars just sitting in their dorm room. According to the National Center for Educational Statistics (NCES), over 13,500 cases of theft are reported every year on college campuses. While security measures can be made, like padlocking your gear, the proper insurance will help you after the fact. Odds are, after spending tens of thousands of dollars on college tuition, a college student won’t have the financial means to replace these items out of pocket.

When wanting to insure your college gear, it may be as easy as adding it to a parent’s homeowner’s insurance. Come on in to Yetter Insurance Agency, and we will sit down with you and look over your current plan. We can help you fill in those spots that you might be missing.

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Family Outing

Don’t Let Summer End In A Bummer

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We’re about halfway done with the summer, and it’s going entirely too fast. Hopefully, you’ve had some time to get out on the lake, go camping, and make time to enjoy yourself.

Summer is the time people bring out their boats, all-terrain vehicles (ATVs), and recreational vehicles (RVs). Whether you are required by law to insure your ‘toys,’ or you want to be a little more secure, there are crucial decisions to make when looking for coverage. While they’re not too different from purchasing standard automobile insurance, there are a few variations to consider.

RV Insurance

Just like auto insurance, a minimum of liability coverage is required for RVs in every state. Depending on your insurance plan, you can receive additional coverage for your belongings stored in the RV, RV accessories, such as awnings, satellite dishes, and installed appliances, as well as total loss replacement and uninsured motorists. Of course, the type of RV insurance you will need is based on several things. The state you live in, the class of RV, how far you travel, and the custom features are all factors that play into the best plan for you.

ATV Insurance 

Both Pennsylvania and New York require ATV owners to purchase liability insurance if they wish to drive places other than their own property. ATV riders should still consider purchasing a policy to protect themselves and others. The proper insurance can protect against property damage, medical payments, collision coverage, and comprehensive coverage that pays for damages to an ATV that are non-collision related. This includes theft, vandalism, flooding, earthquakes, fires, and other causes.

Boat Insurance 

When deciding on the proper insurance for your boat, it’s important to be aware of the factors that come in to play. The age of your boat, the length, value, speed/horsepower, condition, and type all have an effect on which policy is right for you. The proper coverage can protect you against minor damages, major damages, and expensive towing costs.

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This Past Storm Season Was Rough, How To Prepare For Next Year

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2018 has been a little rough in terms of storms, more so than usual. Areas like Dingmans Ferry, Bushkill and East Stroudsburg had numerous storms where houses and cars were damaged. With warmer days ahead of us, we should look to see how we can prepare for next year’s storm season.

Cut Possibly Damaging Branches Around Your House If you live in a rural area, there are trees everywhere and it’s difficult to avoid them. However, it might be beneficial to walk around your property and cut down any dead branches that might not last in a big storm. This will lower the risk of damage during the next storm.

Inspect Your Roof In a storm, your roof may be one of the first things damaged. Before the storm hits, have it checked out to make sure there isn’t any preexisting damage or leaks. That way when the storm is here, your roof in its best shape.

Protect Your Car – Maybe it’s time to clear out that garage of yours and actually make room for your car. Even in light storms, cars can be hit by branches, hail, and rust from exposure to the elements. A car cover can also help protect your car from debris and shield it from other environmental damage like uv rays and precipitation.

Update Your Insurance – Sometimes, even taking precautions isn’t enough. Come on in to Yetter Insurance Agency and we will sit down with you and look over your current plan. We can help you fill in those spots that you might be missing.

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girl in car

Deciphering Car Insurance

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One of the biggest milestones young Americans reach is when they earn their driver’s license. It represents the freedom to go wherever and whenever you’d like. As many drivers have learned by now, cars often come with a lot of obligations and rules to follow.

Car insurance is one necessity that can feel very burdensome, especially when it comes time to pay for it each month. The frequently eye-watering costs and confusing types and quantity of policies explain why the Insurance Research Council estimates that 14 percent of the driving population in America is uninsured.

At Yetter Insurance, we work with you to determine your auto insurance needs and personalize your service to bring you the protection you deserve at the best value. There are several criteria that go into our assessments of how much coverage you should purchase.

A patchwork of laws

Every one of the 50 states has its own rules on car insurance. Depending on whether you live in Pennsylvania or New York can dramatically change your the kind of auto insurance you must have.

Liability coverage helps cover the costs of any victims’ injuries and damages that result from a car accident that you caused.

Pennsylvania requires $15,000 per person and $30,000 total per accident in bodily injury liability coverage. State law also requires $5,000 in property damage coverage. Additionally, the state requires that you purchase a minimum of $5,000 in medical benefits coverage.

New York, on the other hand, mandates $10,000 for property damage for a single accident, $25,000 for bodily injury to one person and $50,000 for bodily injury to all persons involved in an accident.

Another difference between New York and Pennsylvania requirements is that only drivers who are registered in New York must buy at least the minimum limits of uninsured/underinsured coverage. This is to protect yourself in case you are involved in an accident with someone whose insurance is inadequate. Not having this coverage means that you will have to pay for all damages incurred by the other driver. Although uninsured/underinsured motorist coverage is not required in Pennsylvania, it is recommended by our agency.

Finally, it is important to understand the no-fault laws in both states. New York regulates that each driver involved in an accident will be covered by their own insurance policies for any damages suffered. In order to avoid such potentially costly civil suits, all drivers must carry $50,000 minimum in basic no-fault insurance coverage.

In contrast, Pennsylvania mixes the no-fault system with tort or “at fault” law. Policyholders have two options: a limited right to sue, or the full right to sue for medical costs and pain and suffering. The limited tort option allows you to sue for all medical costs incurred from a car accident. This option comes with a cheaper premium but will limit your right to sue for pain and suffering.

Collision and comprehensive coverage can be useful

In both states, other types of coverage like collision and comprehensive are not required; however, they are probably worthwhile for you. Collision insurance will help pay to repair or replace your car if it’s damaged in an accident.

Comprehensive insurance covers damage to your vehicle not caused by a collision, like weather events, animal damage, vandalism, or theft.

If your area has a high rate of any of those factors and you likely could not afford to replace or repair your car in such incidents, you should consider collision and comprehensive coverage.

Also, if you are paying for your car with a loan or you are leasing it, your lender or leasing company likely will require that you buy such coverage.

Driving less means buying less gas and insurance

Driving fewer miles a year than the average driver means the potential for cheaper car insurance rates—and can affect the amount of coverage you want your policy to include. The less you drive, the lower your chances of getting into an accident. Being less likely to get in an accident means that you are less likely to have to pay out-of-pocket for damages that exceed your policy limits.

Protecting your assets with liability coverage

Getting in an accident where you cause bodily harm to another person can wreck your finances. The amount of liability coverage you carry should be high enough to protect your assets in the event of an accident. In the event of serious harm inflicted upon the other driver, you may be sued for a large amount of money. The greater the value of your assets, the more you stand to lose.

To get a rough idea of your net worth, calculate how much it would cost to replace everything you own. Most experts recommend a coverage limit of at least $100,000/$300,000, but that may not be enough.

Buying more insurance than you’re required to may seem like an unnecessary expense, but it’s important to educate yourself about the options available for car insurance. Becoming a well-informed consumer will protect you and your wallet.

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Don’t delay—resolve to address your family’s life insurance needs

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Normally life insurance isn’t an enjoyable topic to discuss. It can seem unnecessary, complicated, or even uncomfortable. But to ensure the financial security of your loved ones in the event of a tragedy, life insurance should not be avoided. With the new year, you can make an impactful and beneficial resolution to purchase life insurance. There is no better feeling than knowing that your loved ones will be taken care of. Thankfully, it is not too hard to begin exploring your options and determining how much coverage your family would need.

Americans are seriously lacking in coverage or are undercovered

According to the insurance industry group LIMRA, 86% say they haven’t bought insurance because it’s too expensive, but they overestimate the cost by more than double. This is unfortunate because anyone with financially dependent family members should have life insurance.

It is important to strive for an individual life insurance policy, independent of your job. These policies often don’t meet the needs of families. They are also dependent on working for that employer. In a survey by LIMRA, most consumers said they were not financially prepared for the death of a family member.

The question now is how to ensure the financial well-being of your family? Firstly, you need to consider whether term life insurance or permanent life insurance is appropriate.

Term life insurance guarantees coverage for a specified period of time

If you were to die during the term, your dependents would be paid the agreed upon benefit. Consider term insurance if you wish to safeguard your family only for a certain amount of time. This is useful if you wish to cover your children until they come of age, or if you have large expenses that will end on a certain date like a mortgage. This type of life insurance is generally more affordable.

Permanent life insurance is expensive but can help long-term dependents

Permanent life insurance comes in two different forms – universal life insurance and whole life insurance. Permanent life insurance provides lifelong protection. Many of these plans also accumulate cash value. Because you will pay for it throughout your life, it is considerably more costly. But, it can be worth it if you are worried about your spouse or dependent who has permanent special needs. Permanent life insurance can help ease the anxiety about the long-term care of these loved ones.

Determining the type of life insurance that you need depends on your unique circumstances and financial goals. A combination of term and permanent life insurance is often the right combination. It is important to meet with an insurance professional that can assess your needs and understand your goals.

Once you figure out the type of life insurance that is needed, you can determine the amount of life insurance that is right for you

Generally, you should calculate the total of all financial obligations. From that, subtract liquid assets to find out how much coverage you should obtain.

When considering your obligations, add up your annual salary, multiplied by the number of years you wish to replace that income. Additionally, consider the cost of a funeral, potential medical bills, all debts, the education of your children, and the replacement for any household services you may provide.

Liquid assets are any savings, college funds, or existing life insurance policies that you may have.

Talk with your family

Of course, when evaluating your life insurance needs, a holistic perspective towards your family’s present and future financial status must be utilized. Keep an honest and open dialogue with your family. Discuss with your children about their expectations for higher education, like whether they intend to pursue it, or what kind of college they’d attend. Talk with your partner about what kind of coverage they would like to have. They may predict a significant change in their income.

In the end, it is best to be safe and overinsure your family. That cushion can give them flexibility and more options. Although it may be a hard topic for you to think about, the first step toward getting life insurance is as easy as calling a Yetter Insurance agent. We’ll help you select a plan that is right for you and your family.

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If You Rent Out Residential Properties, Consider Landlord Insurance

If you rent out residential property, whether it be a house, apartment, or condominium, you should consider investing in landlord insurance. Landlord insurance provides protection from financial loss that results from damages to a rental property due to fire, storm, break-in, and more.

What does landlord insurance cover?
Depending on your insurance carrier, you landlord insurance can include:

  • Property Damage
    In the event of a storm, fire, tenant damage, or other damage to the property, your insurance company will cover the replacement or repair of property.
  • Liability Insurance
    Liability coverage protects you against liability claims and lawsuits from tenants, their visitors, and trespassers if someone is injured or has their property damaged on your property.
  • Loss of Income
    If your rental property becomes uninhabitable, loss of income coverage will compensate you for the lost rental income until your property is repaired.
  • Additional Coverage
    There are other add-on options for landlord insurance, such as coverage for the furnishings and fixtures that you provide to your tenants. Ask your Yetter insurance agent about your options.

Why should I get landlord insurance?
Your rental property (or properties) are an investment and a source of income. If anything happens to your property, or you get caught up in an expensive legal battle, that investment could be more sunk cost than income.

To protect your rental property investment, and to make sure that you can have peace of mind renting your property, call your Yetter insurance agent today at (570) 296-8329 to discuss your options and find the plan that’s right for you.

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6 Apartment Security Tips for Summer

Summer has arrived. The birds are singing, the sun is shining, and burglars are on the prowl. Between easy access from open windows to apartments being empty for weeks on end while their residents are on vacation, July and August have the highest burglary rates of the year. Here are six simple tips on how to discourage burglars from targeting your rented apartment:

  1. Always Lock Your Doors and Windows
    In the summer time, many of us like to keep our windows open so that fresh air can circulate through the apartment, but you should resist the urge to leave your windows open when you’re not home. Even a ten-minute trip to town leaves your apartment vulnerable enough for a thief to break in and pilfer your valuables. Thieves are much more common to target you when you’re not home, so make sure to lock your apartment up tight every time you leave.
  2. Install a Security System
    One of the biggest deterrents for burglars is a security system. When scouting out a target, homes with security systems are often bypassed in favor of those without. By installing a security system you’ll dramatically reduce the likeliness of ever becoming the target of thieves.
  3. Keep Your Vacation Plans Off Social Media
    Security systems and locked doors are great deterrents, because they present a bigger challenge for burglars to break in and get out quickly. If the burglar knows that you will be out of town for an extended period of time, those deterrents don’t work as well. Refrain from posting about your vacation until you get back.
  4. Get to Know Your Neighbors
    Having a good relationship with your neighbors doesn’t only benefit your sense of community, it can also protect your property. When you’re leaving town, you can ask your neighbors to pick up your mail for you (uncollected mail is a common sign that burglars use to determine that someone is out of town) and have them keep an eye on your place for you. If you develop a good enough relationship with them, maybe they’ll even feed your cat for you while you’re gone.
  5. Store Important Valuables in a Safety Deposit Box
    For a nominal fee of about $15-$25 a year, you can rent a safety deposit box to keep your most important and cherished valuables in. That way, in the unfortunate event that your apartment is broken in to, you’ll still have your passports, social security cards, and grandma’s diamond earrings.
  6. Get Renters’ Insurance
    It’s likely that your landlord only has enough insurance to cover potential damage to the building or property. Even if your landlord has enough insurance to cover some of your belongings, it’s unlikely that it will cover everything you own. Get renters’ insurance to cover your belongings from theft. Read More: Top renters’ insurance myths.

Have a great summer vacation and talk to your Yetter Insurance Agent about the ways to keep your home safeguarded and properly insured. We’ll help make sure you get the best help possible. Contact Yetter Insurance today at our Milford office at 570-296-8329 or visit


Yetter Insurance Agency is a family-owned business, located in Milford, PA, providing an array of renters’ insurance options for Pennsylvania and New York residents. Yetter has been a leading insurance agency in Pike County, PA since 1972. It’s likely that a landlord’s insurance only covers potential damage to the property or building. For coverage of your belongings and peace of mind, contact one of our skilled insurance agents today and ask about renters’ insurance. For more information, please visit

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