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About to buy a new home? Looking for better auto insurance? Worried about protecting your family, pets, and belongings? Or just want to compare rates with your current insurance? We’ve got you covered.

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Top 5 things most people don’t know about Media, Pennsylvania
Get to Know the Media Neighborhood


If you’re moving to Media, Pennsylvania it’s important to make sure your insurance coverage is in place. The insurance laws in Media may be different than where you’re living now, but don’t worry! Our insurance agents are some of the most experienced experts in the business, and we can help you reestablish any policy you may need.

If you already have insurance and you’re just looking for lower premiums, you can easily make changes to your insurance policy. If you do not have insurance, here are some important tips on various policies for residents of Media.


Media Auto Insurance

What is auto insurance and why do I need it?

What would you do if your car was totaled tomorrow? If you couldn’t drive to work, it would be much more difficult to support yourself and your family. Even the smallest accidents can end up costing thousands of dollars, and it’s simply not worth taking that risk. Our advice is to get auto insurance so you are protected in the event of something happening to your car.

helping you find great deals on auto insurance in Media Pennsylvania
Auto insurance in Media, PA

Auto insurance is also known as car insurance or vehicle insurance. It is designed to protect you from financial loss if your vehicle were damaged or stolen. Auto insurance coverage can vary depending on the company and what state or country you live in, but there are some standard coverage types most providers offer:

– Bodily Injury Liability pays for medical expenses due to an accident that was your fault. If someone else caused the accident, this policy will pay their medical expenses. This type of policy typically covers up to $100,000 per person and $300,000 per accident.

– Property Damage Liability pays for damages to property (buildings) because of an accident that was your fault.

– Collision / Comprehensive pays for damages to your car if you get in a collision or it is stolen. This type of auto insurance coverage typically provides reimbursement up to the value of the vehicle. This also covers damages from flooding or other natural disasters that were not caused by the insured or another.

– Personal Injury Protection (PIP) covers medical expenses from injuries that occurred while driving or riding in your vehicle. It also will cover lost earnings and funeral expenses, but only if you are unable to work because of an accident caused by someone else. This type of policy does not typically include property damage liability coverage, which means there would be no reimbursement for damages to other people’s cars.

We can help you decide what types of coverage make sense for your needs and budget, but keep in mind that having auto insurance is the most important financial decision you can make. Even if you are only driving occasionally, you still need to protect yourself with auto insurance coverage because liability applies anytime someone else is in your car. Having this protection could save you money and lots of stress down the road.

Does Pennsylvania require car insurance?

Pennsylvania drivers must have liability insurance that meets the minimum limits (you can purchase more coverage if you choose) required by law to drive on our state’s public roads and highways. The minimum limits of liability insurance required under Pennsylvania law are:

  • Bodily Injury Liability – $15,000 per person and $30,000 per incident
  • Property Damage Liability – $5,000 per incident

You can’t register a car in Pennsylvania without insurance, so if you’re planning to move to Media you’ll need to add this to your to-do list!

What is uninsured motorist coverage?

Many drivers have auto insurance to protect them from accidents that result in injuries and property damage. However, an accident may occur with a driver who doesn’t carry any insurance or whose insurance policy limits aren’t enough to cover all the damages. That’s where uninsured motorist coverage comes in.

Put simply, uninsured motorist coverage compensates you for losses resulting from an accident caused by an uninsured person. However, not everyone is automatically covered under this type of insurance, as one usually has to purchase such protection as part of their car insurance package. It becomes important especially if you’re living in an area with a high percentage of uninsured motorists on the road at any given time.

About 10% of drivers in Pennsylvania do not carry auto insurance of any kind or have dropped their policies.

Some states may even require drivers to carry uninsured motorist insurance in order to protect their own interests when involved in an accident with a negligent or at-fault driver who does not have auto insurance or enough insurance to cover all damages that they are legally obligated to pay under the damages clause of your policy. Even though Pennsylvania does not require uninsured motorist coverage it’s wise to have it in case this happens to you.

Uninsured motorist coverage also protects you against hit-and-run accidents where the other driver is unknown or flees the accident scene to avoid being identified later even though he/she may have been responsible for causing the accident. Uninsured motorist coverage extends itself only to those who are legally entitled to recover damages from an uninsured party, specifically your passengers whose medical costs, lost income, etc. must be covered if they sustain a physical injury as a result of an accident with another car that carries no insurance or insufficient liability insurance.

If you have purchased this coverage by availing uninsured motorist protection on your auto policy, it would work like any other insurance that pays off a loss. Payouts from uninsured motorist coverage would be in addition to any other compensation you receive because of the accident, including damages paid by the negligent driver’s insurer under your policy.

Our agents are standing by to help you find the best possible deal on auto insurance, contact us today to find out more.


Home Insurance in Media

Family in new home in Media
Protect Your Family with Quality Home Insurance in Media, PA

If you’re looking to get insurance quotes for your home, we know insurance rates can be incredibly expensive. That’s why we’re proud to provide the best insurance rates in Media and the surrounding zip codes of 19017, 19342, 19008, 19064, 19081, and 19086.

Home insurance rates often vary depending on the area you live in because certain areas have a higher risk of damage due to natural disasters. Our team can help you assess risk factors when considering quotes for your home policy.

Buying a home is the biggest financial commitment many people make in their lives. Protecting that investment with insurance can be challenging, but learning more about homeowner insurance in Media, PA will help you find what you need.

What are the different types of home insurance?

There are two main categories of insurance for your home: property insurance and liability insurance. Property insurance protects the value of your house from damage or loss due to specific events. There are several kinds of property insurance, including fire insurance, flood insurance, earthquake insurance, and windstorm insurance. Liability issues arise when someone else suffers an injury while on your property due to something you did – accidentally or not – or if there’s damage caused by your animals. Homeowner policies generally offer liability insurance as a standard feature.

This insurance usually protects your house from most natural disasters, but you might want to consult with one of our agents just to be sure. Make sure to check the details of your coverage, because there are exclusions and limitations that vary from policy to policy.

What is the best kind of homeowners insurance in Media?

The best kind of insurance, as far as price and coverage, is insurance that has a high deductible and high limits – this way, if anything happens to your house, you’re covered for 100% of the cost up to the insurance policy’s limit.

Our insurance agents in Media can help you understand how insurance works. Most policies come with liability protection so if somebody gets injured on your property or if somebody’s property gets damaged while on your property you will be covered. If you plan on living in your house long term it is always a good idea to get insurance. Also, if you have insurance on your car, you should definitely try to bundle it with insurance for your home as well. It can save you money and it’s a great way to protect all of your investments!

What will my home insurance cover?

Home insurance covers much more than just your home. Most policies will cover your household goods, belongings at the home office, and many other items that may not be readily obvious. Below are some common coverage areas to expect from a home insurance policy in Media.

You can expect nearly all home insurance policies to include coverage for valuables and personal items inside the home. The exact items covered will vary from policy to policy, but things like jewelry and electronics are usually included under this section.

If you have any expensive items, you should check with your home insurance provider to ensure they are not specifically excluded from being covered in the event of a casualty loss.

Your home is likely one of your most valuable assets and it can be protected through a coverage area commonly referred to as dwelling coverage. Dwelling coverage protects things like the structure and foundation of your home, as well as the electrical and plumbing systems.

Home insurance policies will also include coverage for things like temporary living expenses should a covered loss force you to leave your home temporarily. Moving costs may also be included in some policies.

In addition to dwelling coverage, a homeowners policy offers detached structures coverage that can protect detached buildings on your property such as a shed, detached garage, workshop, or pool house. This coverage will usually be subject to a separate policy limit than your dwelling coverage so you’ll want to check the limits of your policy carefully to be sure they are sufficient for your needs.

As you can see, home insurance is much more than just protecting the home itself. Contact the Richard Rose team today to learn more about how to protect your home and everything in it.

For more information about Pennsylvania insurance visit: To speak with our experienced agents about how to find the best policy for your home, contact us today.


Media Life Insurance

Life insurance protects families in Media, PA
Life insurance provides Media residents with peace of mind

Life insurance is a common purchase for everyone, and is primarily used to provide financial support for your loved ones should you pass away.

Why do I need life insurance?

If you were gone tomorrow, would your wife, children, or parents be able to manage financially? Would they be able to keep the bills paid? Would they have to sell the house that you worked so hard on building together just because you’re not there anymore?

A life insurance policy gives peace of mind in knowing that if anything were to happen to you, your partner, children, or other family members will not have to worry about money. Your insurer would pay out a lump sum amount which could help your family overcome any financial hurdles. Life is unpredictable and you should prepare for the future, which means doing everything you can to protect the ones you love most.

What does life insurance cover?

In simple terms, life insurance covers the lives of people. This may be a good way to think about your own life insurance coverage. Instead of thinking about what you’re getting when you purchase a policy, it helps to think about all the things that would affect your family if you were no longer around.

Depending on which type of life insurance policy you have, it will help pay for specific life events and circumstances. These include:

– final expenses such as funeral costs and burial fees

– outstanding debt such as credit cards or a mortgage

– income replacement so your spouse can continue paying bills

What types of life insurance are available?

When life insurance is considered, one of the main questions that come to mind is “What type of life insurance do I need?” There are many types of policies available and it’s important to be well informed about the differences.

Life insurance may cover a wide range of needs; for instance: final expenses (burial costs or cremation fees), mortgages, children’s education plans, and disability plans.

The difference between each policy can be very small or large depending on what you are hoping to use them for. The most common ones are described below. Please note that there are also group policies that will have different coverage options than those mentioned here.

Term Life Insurance: Term life insurance is the most basic form of life insurance and covers people for a specific period of time. It’s usually much cheaper than other kinds and does not cover anything except death. Payouts from term life insurance policies are typically tax-free since it only pays out upon the insured person’s death.

Whole Life Insurance: Whole life insurance can be seen as permanent life insurance because instead of having a term period, the policy stays in effect up until the insured person’s death even after payments stop being made on it. The premiums stay level throughout this process making it a bit more expensive than term life insurance with the same coverage and length.

Universal Life Insurance: Universal life policies, also known as flexible premium life insurance, allow people to choose how much they want to pay per month. Oftentimes, these premiums can fluctuate over time but it offers more flexibility compared to whole life insurance since policyholders don’t have to make a fixed payment each month.

Variable Universal Life Insurance: This type of policy is similar to universal life insurance in some ways except that you can invest your monthly payments into different investment options. Since this allows policies to be customized even further, it usually comes at a steeper fee which means less money paid out on a claim compared to other types of life insurance.

Permanent Life Insurance: Permanent life insurance is just like universal and variable universal policies except it is usually much more expensive and has a payout amount that can never decrease during the insured person’s life, even if premiums stop being paid.

Term to 100: This type of coverage gets its name from the fact that it pays out in full if you die within a certain number of years, typically ten or 20. It covers death only, no other events. If you live past the term limit, your policy will usually be converted to another type of plan by your provider automatically.

Convertible Life Insurance: A convertible life insurance policy is similar to a term to 100 plan with deductions for survivors, but offers options for converting into another type of life insurance plan. This usually happens if you outlive the term limit, at which point you may choose between converting it to a different kind of policy or simply canceling the coverage. To convert it, your policy will be canceled and rewritten under a new name.

Ask one of our helpful agents about a life insurance quote today!


Media Business Insurance (Commercial Insurance)

Why does my company need business insurance?

Business insurance, also known as commercial insurance, is like car insurance: you don’t need it until something goes wrong! No business can operate without some liability coverage in case they are sued by clients or customers. Liability coverage also protects the business owner from lawsuits related to injuries that occur on their property, but there are other forms of business insurance that will help protect a business from different types of problems.

business insurance policies for entrepreneurs in Media Pennsylvania
Protect your enterprise with business insurance

When purchasing an insurance policy for your small business, make sure you understand what each type does and how much coverage should be purchased. More importantly, if anything ever does happen, make sure that you have someone reliable selling you a quality policy so that all damages can be dealt with as quickly and efficiently as possible.

It is important to understand that business insurance policies are there to protect the business and the owner from anything that might happen during day-to-day activities. Because you can never know when something will go wrong, it is good practice for every company to purchase a full policy as soon as possible, and to make sure it includes enough coverage and protection.

For more information on protecting your enterprise, the team at Risk Averse Insurance is ready and waiting to walk you through your coverage options. Contact us today.


Top 5 things most people don’t know about Media, Pennsylvania

Media is the county seat of Delaware County, Pennsylvania, and is located roughly 13 miles to the west of Philadelphia.

The history of the Media area dates back to the time of the founder of the Pennsylvania colony William Penn, but the region was almost entirely rural until the 1900’s.

The Quaker Thomas Minshall was one of the first Media residents and settled on the Providence Great Road when the town was barely a hamlet.

The West Chester and Philadelphia Railroad was built through Media in October of 1854, and it eventually became Penn Central.

In June 2006, Media became the first town in the United States to attain fair trade certification.


Get to Know the Media Neighborhood

Near the center of town, the Media Theatre For The Performing Arts is Delaware County’s only professional music theatre.

To the west, Glen Providence Park offers 25 acres of natural space and hiking trails with a creek, pond, and an abundance of bird life.

On the southern edge of town, the Philip Jaisohn Memorial House offers a broad range of health services.

Swarthmore College is located just southeast of Media proper.

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Those are just the first 7 reasons... Find more here!

Don and Megan were extremely helpful and a pleasant to work with. Highly recommend. They went above and beyond to get me insured quickly and at a really good rate.
Jojo Anaya
Jojo Anaya
Our construction company recently switched over to Risk Averse Insurance. We moved all of our policies over to this company. Our agent, Don Blizzard, was amazing! He was upfront and explained everything to us so we understood what we were getting. He made the process very easy and the turn around was very fast! There were no issues! Not only did we get great deals, we got better coverage than we ever had. I would definitely recommend this company! They are the best!
Kelly Robb
Kelly Robb
I recently switched to this company this year for all my business insurances and couldn’t be happier. The service my agent Don Blizzard provides is amazing. I started recommending to all my colleagues and family. Definitely worth reaching out for quotes if you’re a business contractor. Thanks again team
Louis Litwin
Louis Litwin
Just had to file a big claim for a stolen vehicle full of all my professional equipment----the policy they wrote allowed me to get real value back for my stolen equipment so I can come back even stronger!! Big thanks to my agent Don Blizzard for doing such a great job!
Ed Sheridan
Ed Sheridan
Don Blizzard is my agent with Risk Averse and he is absolutely the best. He is quick to respond with any questions or concerns I may have, gets me my certs way faster than expected, and is great at explaining things in a way that a layman can understand. I highly recommend Don and Risk Averse Insurance.
Sean Carter
Sean Carter
Don is a great insurance guy he dose my personal and business insurance every time I call he answers and takes time to answer all my questions and guides me in the right steps
Blaine Kunselman
Blaine Kunselman
I have been using them for over 5 years now and I'm very happy with the service; they always do the best to get me the best and current up-to-date deals and excellent to deal with. I recommend.
Chauncey Brown Jr.
Chauncey Brown Jr.
Ive worked with Don for the last few year's. When I started my buisness I knew I needed help and didn't know where to start.I knew I needed an absolute beast of an agent and every other owner/ operator I talked too said if "You don't have Don Blizzard as an agent then you dont have the best agent. "He took a chance and helped me grow my buisness to where its at today. Riskaverse is the absolute best and since starting my buisness all my insurance is through them with help from Don Blizzard. He has a way to explain it to me where I understand my coverage and exposure and the commercial side including Meghan are the absolute best at getting COI'S sent to potential clients within minutes of requesting the copy.Hands down I only go where Don goes and I know whatever policies are written and where my coverage goes my loyalty will always lay with Don.He took a chance and grew with me and I'm forever grateful to all the staff at RiskAverse for being family and buisness friendly and not looking at me as a number or a client but actually caring and finding us the best for which suits our needs.#TeamDonBlizzard #TeamRiskAverse#TeamMegan
James LeBoon
James LeBoon
I work with Don. He has helped lots of my family and friends for their business and personal insurance. He is super responsive, honest, and hardworking to make sure you are fully taken care of in every aspect of your policy. He cares a great deal about each unique situation. I am fully confident anytime I refer Don.
Molly Eckman
Molly Eckman
Anytime I’ve needed assistance, the staff has always been accommodating. I have, and will continue to refer people here.
Allison Parasink
Allison Parasink
The best I've ever used. Don and the team make u feel protected and being able to lay your head on your pillow at night knowing you are protected is worth more than gold.
Dolans Bar
Dolans Bar
Don and his team have been great to work with and always very accessible which is important when dealing with the stress of getting your insurance set up and doing it right. Highly recommend!
Ryan Callahan
Ryan Callahan
I had the best experience. Don helped me with both auto and homeowners insurance in getting us the best price with great service. Highly recommend!
Gloria McAllister
Gloria McAllister
Fred Burns is the absolute best! Highly recommend!
joanne kelly
joanne kelly
Highly recommend!
Jennifer McGonagle
Jennifer McGonagle