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Hart McConahy & Martz Insurance Inc
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It's Wedding season in Erie! After the honeymoon is over, the real work begins. Here are some helpful tips to ensure your insurance policies are up to date.

Homeowners / Renters Insurance Policies:
1: Ensure your spouse is added to your policy. This ensures their belongings, and liability is covered by your policy.
2: Add the new rings as “scheduled personal property”. This will cover the rings for a stated amount, and for mysterious disappearance.

Auto Insurance:
1: Add your spouse and their vehicle to your policy. This usually results in a lower combined premium, and complies with the household member requirements on your policy.
2: Call our personal lines team to bundle your auto and home policies to capitalize on bundling discounts.

Life Insurance:
1: Now is the time to start the life insurance talks. You now have someone who would be responsible for your bills if you are unable to pay them.

Whether you need Wedding Insurance, Car Insurance, Home Insurance, Life Insurance, or just would like a FREE consultation we are here for you! Call the HMM Personal Lines team today to take full advantage of our 145 years’ experience of serving Erie’s Insurance needs!

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Great Insurance Coverage At The Best Rates! We're Here For You Erie!

At HMM it is our purpose to find you the best coverage at the best prices. As an INDEPENDENT AGENT, we're here for YOU! We have been serving the Erie area insurance market since 1872, yes that is 145 YEARS!!!

Whether you are looking for business, car, home, farm, health, Medicare, life, or even pet insurance, call our office today and put the HMM team to work for you! The call is free, our service is at no cost to you, and the savings are ALL YOURS!!

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Great News For Medicare Eligible Individuals Enrolled In ACA Plans!

Great news for those whom stayed on an ACA plan when they first became Medicare eligible! CMS has temporarily changed its rules to offer a reprieve from penalties for people who kept Affordable Care Act policies after becoming eligible for Medicare.

Those who qualify include people 65 and older who have a marketplace plan or had one they lost or canceled, as well as people who have qualified for Medicare due to a disability but chose to use marketplace plans. Consumers who already pay the penalty because they had a Marketplace plan can request that it be eliminated or reduced.

Consumers who are affected must request a waiver by 9/30/17. For information on how to apply for the waiver, officially called “time-limited equitable relief,” go to the Medicare Right Center’s Medicare Interactive Website or call the center’s helpline at 800-333-4114.

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Is Your Business Covered In A Ransomware Cyber Attack?

Does your business have cyber liability coverage on your current business insurance package? Ransomware viruses are quickly becoming a concern in today's ecommerce world. These viruses will either hold information, or lock users out of electronic systems until a "ransom" payment is made to recover access to these systems.

Symantec Corp,, a cyber security firm based in Mountain View in California, observed over 460,000 ransomware attempts in 2016, up 36 percent from 2015, the company said. The average payment demand ballooned from $294 to $1,077, a 266 percent increase. This huge increase in Ransomware attacks has many business owner's concerned. Most insurance policies DO NOT include cyber liability, and leave company's fitting the bill.

Many forensic lawyers have been looking at the kidnap policies, included in some business packages, to find loop holes to cover these claims. They have yet to find a coverage to protect affected companies from paying these claims. The best bet is to purchase a cyber insurance policy. These policies are inexpensive, and provide comprehensive cyber coverage.

If you feel your business is at risk, or would like a FREE no obligation cyber insurance quote, call HMM today at (814) 455-0987 x 119.

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Happy and Safe Memorial Day!

The HMM family would like to wish all a happy and safe Memorial Day Weekend! In observation of memorial day our offices will be closed on Monday 5/29. We apologize for any inconvenience this may cause, but offices will open Tuesday 5/30 at 8:30.

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It's Boat Season!

It is finally Boating Season in the Erie Region! It is time to prep the boat for splash down for the summer! It is also the best time to double check your insurance to ensure your new electronics, accessories, rod holders etc. are properly covered. Call our marine division, at extension 119, today for a free review of your current marine insurance.

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New Deadly Virus Found To Be Transmitted By Ticks

A recent article in Gun Dog Magazine warns of a new virus carried by ticks. This "Powassan (POW) Virus" is less common than Lyme Disease, but far more deadly. The POW virus causes inflammation of the brain, and leads to death or permanent disability in 60 percent of cases. According to the CDC, there have been 75 confirmed cases so far (1 in PA and 16 in NY). This number is expected to increase through the summer and fall when ticks are more active. There are no vaccines or medications to treat or prevent POW infection at this point. The POW virus also can be passed to humans in as little as 15 minutes, where Lyme usually takes 24 hours. Be very careful when entering wooded areas, and for more information refer to the CDC website.

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Are you or your business experimenting with drones? Are you covered?

Drones are becoming more and more resourceful in everyday lifestyles. With drone usage increasing in commercial operations and in the general public, insurance companies are making huge strides in creating inexpensive tailored policies for UAV/Drone operators.

Operating a UAV/drone commercially opens you and/or your business up to a liability exposure typically excluded from most homeowner and general liability policies. As a UAV/drone user, you may need separate drone liability insurance covering bodily injury, property damage and physical damage (hull) insurance. Call HMM today to see if you are in need of an insurance policy to protect you or your business.

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Happy Easter From HMM Insurance!

Out team would like to wish everyone a happy and safe Easter Weekend! We will be closed Friday 4/14 in observation of Good Friday.

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Storm Season Is Coming, Here Are Some Homeowners Insurance Tips. Does your Homeowners Insurance cover you? Here are some helpful tips and links that may help keep your family safe. The information on this page is intended to help you prepare for storms in advance, when possible, and also provides links to helpful resources you might need in the unfortunate case of a severe weather-related disaster.  Follow Link to HMM's website for more info.
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