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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. How much auto insurance do I need?
  2. Who needs life insurance?
  3. What kind of discounts can I get by packaging?
How much auto insurance do I need?

Most states require everyone to carry a minimum amount of liability insurance.  In case of an accident, the minimum liability insurance required by the state may not be enough coverage to pay for the damages caused by the at fault party.  In this case, the one responsible for the accident may have to pay  for the expenses out of pocket once the policy limit has been reached.  It is recommended to talk to a licensed insurance agent about coverage specific to you.

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Who needs life insurance?
Your need for life insurance varies with your age and responsibilities. It is a very important part of financial planning. There are several reasons to purchase life insurance. You may need to replace income that would be lost with the death of a wage earner. You may want to make sure your dependents do not incur significant debt when you die. Life insurance may allow them to keep assets versus selling them to pay outstanding bills or taxes.  There is a handy life insurance needs calculator located under the resources tab of

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What kind of discounts can I get by packaging?
You can save money if you bundle multiple insurance policies with the same insurance company.  For example, Erie Insurance offers discounts when you combine your Home and Auto policies, Life Insurance, or an Umbrella to name a few.  Contact Linwood Forest to learn how you can bundle and save.

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3312 7th St. Unit 101 | Whitehall, PA 18052