As an independent insurance agency, personal lines is an important part of the products
At Body-Borneman, we know that our clients have more than automobiles and homes
Body-Borneman specializes in Commercial insurance, with over 2,000 clients
Choosing between health insurance companies isn’t an easy feat, and can feel daunting to individuals who are not familiar with the industry. It can be hard to tell the reliable and the trustworthy from the ones that might not have your best interests at heart. However, at Body-Borneman we aim to make choosing a health insurance company an easy process. We will supply you with options and take every plan, reputation and quote given into consideration. Our agents make it their business to be experts at navigating the complicated health care industry.
We partner only with health insurance companies that are well-accredited, ensuring that any decision you make will be a wise one. Part of picking a health insurance plan is attempting to think of what medical expenses you may incur in the coming year. A Body-Borneman insurance agent can help you to think of scenarios that you probably wouldn’t think of on your own. We are prepared to help you every step of the way in your health insurance purchasing decision.
First, do some research on what type of coverage you need. Are you looking for a family or individual plan? Are you looking for an HMO, PPO or EPO? Do you need dental or vision insurance? Have you looked to see if you qualify for Medicare? Contact Body-Borneman today if you need help getting started. Other research tips include:
Under the current, federal health care law, health insurance companies can account for only five things when setting your premium. States are also able to limit how much these factors affect your premiums. Some of the information that we will need to know in order to supply you with the best option for you and/or your family includes:
It is important to stay within you budget, however, it is even more crucial that you have adequate health coverage for your family. While conducting your independent research, health insurance companies may do their best to make all of their plans sound wonderful in order to get you to stop looking around. Always be very thorough and make sure to ask plenty of questions. Don’t forget to think about the total costs of your health care, including both your out-of-pocket costs as well as your deductible. There are sure to be many great options that suit you, so consider going through Body-Borneman insurance agency so that we may guide you in finding the right coverage for you at the lowest cost based on your wants and needs. We will always have your best interest in mind and will do everything we can to provide you and your family with the best coverage possible. Tailoring an individual, family, or group insurance plan is what we at Body-Borneman do best. With so many sound choices to choose from, you can spend less time researching and choosing your plan, and more time living your life. Body-Borneman insurance professionals work with every client to discern the needs and goals of each individual. Not only do we offer an impressive array of insurance carriers like United Healthcare, Aetna, Met life, and Independence Blue Cross/Blue Shield, but we provide superb customer service as well.
As a full-service insurance provider, we see daily how beneficial it is to have multiple forms of insurance. Life will always be unpredictable, but with the right insurance coverage, an unpredictable life doesn’t have to also be a tough one. In addition to health insurance, a Body-Borneman agent can help you to figure out what types of other insurance will best suit your needs, from life insurance to auto insurance and everything in between.
Many insurance companies provide whole life insurance but with Body-Borneman Insurance, we find the right company to provide you with whole life insurance. We can help you find life insurance at low premiums. We have the necessary knowledge to help you find a premium at an affordable price, and the whole life term you need. Life insurance should be important to everyone. The death of a loved one is an extremely stressful time, and a life insurance policy helps to ensure that financial issues do not cause any additional stress to your beneficiaries. Usually beneficiaries are family members, which the life insurance will pay the cash value to, after the death of the purchaser. There will also be death benefits to help your family cover the funeral expenses. Finding the right policy is essential for protecting your family and many feel that whole life insurance does exactly that. Body-Borneman Insurance can help you find what you need.
Paying a higher premium can actually be worth it when purchasing a whole life insurance plan. As long as you pay your premium on time, the policy rate will never increase. This means that until the day you die, you will be paying a set premium which will all just accrue the cash value. One of the main differences between term life and whole life insurance is simple, the term life insurance is cheaper. Because it is cheaper there is absolutely no cash value, and it will only last for 10 to 30 years. However with whole life, you receive a cash payout that allows beneficiaries to direct the money where they see fit, and adds more stability to your family. A medical exam is always required, but be sure to talk to an agent for more details regarding your specific circumstances.
If you are leasing a vehicle or bought your car with only a small down payment, it would be wise to consider purchasing GAP insurance. When you speak with a Body-Borneman Insurance agent, they will help you to find dependable GAP insurance coverage. Our clients hire us because we help them find the absolute best coverage for their price range. We also negotiate with insurance companies to help lower the premium in any way possible. We will always ask about discounts that you might be eligible for and even inquire about bundling services. At that point we are able to offer you a list of companies to go through. Don’t waste any more time to add GAP to your auto insurance policy. Body-Borneman is here to ensure that all of your auto insurance needs are covered.
The thought of making a claim to an insurance company instantly evokes a headache in many people. However at Body-Borneman we pride ourselves on our exemplary customer service and work with you throughout your entire claim process, from initial response through final resolution, to provide fast, caring service to settle your claim. Report you claim as soon as possible to begin resolving your claim immediately. When you are contacted by the claim representative you will be able to discuss you claim, and ask all the questions you might have about deductibles, what’s covered or the repairs. In the event of an auto accident, you will also need to schedule an inspection of your vehicle. We will help to ensure your every need is taken care of, whether you need towing, or if you prefer to use your own repair shop. Either option, we will be happy to work with you to make an appointment when you report your claim. If you need a rental car, your claim representative can make arrangements for one. Your rental may be covered depending on your policy coverage and the circumstances of your claim.
Every home owner needs to purchase home insurance. This insurance serves to protect you in case of a natural disaster, storm, fire or other incidents. Even if you feel you are not threatened by any natural disaster, you never know what can happen. Many people feel as if they do not need home insurance and neglect to get insured until something devastating actually occurs. At that point it can be impossible to come up with the money for repairs. Although there is no federal law requiring home owners insurance, many banks and lending institutions require home owners insurance to protect their interest in the property.
If you are focused on lowering your premium, the simplest way to do that is to increase your deductible. Depending on your location, a wind mitigation inspection may also help to lower your costs. Naturally, if you choose to have a pool or other features that may pose a safety concern, you might find that your rates are higher. However, installing a safety feature such as a fence surrounding the pool is typically viewed favorably by insurance companies.
Now that you have decided to begin researching health insurance companies, we invite you to contact us at one of our four branch locations:
17 E. Philadelphia Avenue
P.O. Box 584
Boyertown, PA 19512
230E. Schuylkill Road
Pottstown, PA 19465
1389 East Boot Road
2nd floor, above Vano’s Pizza
West Chester, PA 19380
400 Franklin Avenue Suite 205
Phoenixville, PA 19460
At Body-Borneman, we help customers to protect more than just their savings from the risk of financial loss. Although you may be approaching us for one specific insurance need, we invite you to consider how other types of insurance may benefit you and your family. We are able to offer our clients a full range of insurance services including: life insurance coverage, debt retirement planning, health insurance coverage, estate planning, savings planning, LTC coverage, college planning, disability insurance, retirement planning, commercial insurance and many more. If you are curious about how any type of insurance might improve your financial stability, do not hesitate to speak with one of our experienced insurance agents today.