Advanced Insurance Solutions
546 West Chocolate Avenue, Hershey, PA 17033
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546 West Chocolate Avenue, Hershey, PA 17033
View this agency's profile to learn more about their services.
1120 E Chocolate Ave, Hershey, PA 17033
View this agency's profile to learn more about their services.
144 W Chocolate Ave, Hershey, PA 17033
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Hershey residents.
Complete insurance guide for Hershey, Pennsylvania. Learn about auto requirements, flood risks near Swatara Creek, tourism business coverage & costs.
Car InsuranceUnderstand Pennsylvania's 15/30/5 minimum coverage, tort options, and what Hershey drivers really need for adequate protection. Get informed before you buy.
While not legally required outside flood zones, it's worth considering given Hershey's history. During Tropical Storm Lee, Swatara Creek broke flood records by over 10 feet, and 20% of flood claims nationwide come from properties outside designated flood zones. Over 515,000 Pennsylvania properties outside Special Flood Hazard Areas still face moderate to high flood risk. Flood insurance costs an average of $1,386 annually in Pennsylvania.
No, standard homeowners policies typically exclude coverage for short-term rentals. If a guest gets injured in your home or damages property, you could be personally liable without proper coverage. You'll need either a short-term rental endorsement added to your homeowners policy or a specialized vacation rental policy to protect yourself from liability claims and property damage.
The minimum is dangerously low, especially in a high-traffic tourism area like Hershey. If you cause a serious accident with multiple victims, medical costs alone can easily exceed $100,000 per person. You'd be personally liable for anything above your $30,000 per-accident limit, risking your home, savings, and future income. Most insurance professionals recommend at least 100/300/100 coverage, plus an umbrella policy.
At minimum, you need general liability insurance to protect against customer injuries and property damage claims. Commercial property insurance covers your building and equipment (but not flood damage), and if you have employees, Pennsylvania requires workers' compensation coverage. Business interruption insurance is especially valuable in Hershey, replacing lost income if you're forced to close during peak tourist season due to flooding or other covered events.
Flood insurance through the National Flood Insurance Program averages $1,386 per year in Pennsylvania, which is $488 above the national average of $898. Costs vary based on your flood zone designation, property elevation, and coverage limits. There's typically a 30-day waiting period before coverage takes effect, so don't wait until severe weather is forecasted to purchase a policy.
If you have significant assets to protect—like home equity, retirement savings, or investment accounts—umbrella insurance is a smart investment. It provides liability coverage above your auto and homeowners policies, typically starting at $1 million for just $150-$300 annually. Given Hershey's heavy tourist traffic and higher accident risk, umbrella coverage protects your assets if you're sued for damages exceeding your underlying policy limits.
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