Linda Krisko Insurance & Financial 1422 W. Hamilton St. Allentown, Pa. 610.433.5000
Linda Krisko Insurance & Financial1422 W. Hamilton St. Allentown, Pa.610.433.5000

Auto Insurance

Q: Full or limited tort: What is the difference?

 

A: Full tort allows the insured to seek financial compensation for pain and suffering due to injury from an auto accident when you are not at fault. Limited tort (as the name implies) limits the right for the insured to seek financial compensation for pain and suffering due to injury in an auto accident. Contact us today

 

 

Home Owners Insurance

 

Q: What is the correct amount of coverage for my home?

 

A: The most important figure to be concerned about  is the rebuilding costs. You should be covered from stick to stick and brock to brick. Let’s say the market value for your home is $150,000 but the true rebuilding cost if you had a total loss is $200,000, if you only had coverage in the amount of $150,000 you would be responsible for the other $50,000 to rebuild your home as it was. Contact us today

 

Life Insurance

Q: Term Vs. Whole Life: What is the difference?

 

A: When you think about term life insurance think about renting a home. You will pay premiums for a allotted period of time to pay out a death benefit to your beneficiary if you were to die during this time frame.  When the term is up you will no longer have insurance and the cost of insurance will be higher than it was when you started your policy. When you think about whole life insurance think about owning a home. These policies are designed to be in force until a person passes away. The other benefit to this type of policy is that you can build cash value to be used as a living benefit. Costs for either of these types of policies will be influenced by age, health, sex and other factors. Contact  us today

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 Linda Krisko is licensed in Pennsylvania and New Jersey.
Developed by Linda Krisko Insurance & Financial. Nationwide Life Insurance Company. Nationwide Mutual Insurance Company and Affiliated Companies. Home office: Columbus, OH 43215-2220.

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