Hoaster Gebhard & Co. Insurance

Hoaster Gebhard & Co. Insurance We are a local independent insurance agency offering personal and commercial business.

Wildfire season is here, and ensuring that you and your loved ones are prepared is a crucial step. Beyond memorizing eva...
08/27/2026

Wildfire season is here, and ensuring that you and your loved ones are prepared is a crucial step. Beyond memorizing evacuation routes and packing a go-bag, reviewing your homeowners and auto insurance policies can be a key step to help prepare in case the worst were to happen.

That said, it’s a good idea to confirm that your homeowners or renters policy covers fire, smoke, and ash damage, and check your auto policy if you want coverage for your vehicle as well, since that typically falls under a comprehensive auto policy rather than homeowners coverage.

Additionally, look at your additional living expenses limits and ask yourself honestly whether they would cover your costs if you were displaced for several weeks or longer.

If you have questions about your current coverage, or if you want to talk through layering on policies to help protect your belongings in case of a wildfire, don’t hesitate to reach out to our team. We are here to help protect what you have built.

Telematics insurance promises lower premiums for safe drivers, and in many cases, it delivers. But whether it is worth s...
08/25/2026

Telematics insurance promises lower premiums for safe drivers, and in many cases, it delivers. But whether it is worth signing up for depends on more than just your driving record. Swipe through to get a clearer sense of what these programs involve and what to weigh before you decide.

If you have questions about your auto insurance policy or if a telematics policy fits your needs, give us a call today. We are here to help.

Since we are in the midst of hurricane season, our team wanted to share a timely reminder about one important step of th...
08/20/2026

Since we are in the midst of hurricane season, our team wanted to share a timely reminder about one important step of the preparation process: reviewing your personal insurance coverages before a storm even hits.

Here are a few key areas we suggest reviewing this hurricane season:

🔵 Hurricane Deductibles - Some homeowners policies in some states may include a hurricane deductible, which is often a percentage of your home’s insured value. This deductible is separate from your standard homeowners deductible and is the amount of money you must pay toward hurricane-related damage before your insurance company starts paying. Know what triggers it and how much you’d owe.

🔵 Flood and Windstorm Coverage - Flood damage typically requires separate flood insurance, and damage from unnamed windstorms may also be excluded from some policies. Reviewing your coverage and filling any gaps before a storm hits can make a significant difference.

🔵 Filing Claims - Ahead of a hurricane, document the state of your home. Then, after the storm, document damage with photos and videos before you begin cleaning up or repairs. This can help fully showcase any potential damage done by a storm. Additionally, as you make repairs, keep receipts for what you spend.

As always, know that we are here to help if you have any questions about your coverage or if you would like to talk through layering on more coverage. Reach out today, and we can get started.

If you have ever wondered what would actually happen to your payout after a covered loss, the answer often comes down to...
08/18/2026

If you have ever wondered what would actually happen to your payout after a covered loss, the answer often comes down to one question: Does your policy use replacement cost value or actual cash value?

These two coverage types work very differently, and understanding them can save you from a costly surprise when you file a claim. Swipe through for a clear breakdown of each.

Have questions about your current coverage or which option is right for you? Give us a call today.

With back-to-school season top of mind and August being National Traffic Awareness Month, our team wanted to take a mome...
08/13/2026

With back-to-school season top of mind and August being National Traffic Awareness Month, our team wanted to take a moment to share some practical road safety reminders for this time of year.

The return to school brings one of the most significant changes in daily traffic patterns of the entire year. A few moments of extra caution can make an enormous difference. Swipe for a few traffic safety considerations for both motorists and parents of young children to keep in mind as back-to-school season approaches.

By staying alert, following the rules, and looking out for the most vulnerable people on our roads, we can all play a role in keeping the roads safe this school year.

Please feel free to share this with anyone in your network who might benefit from these reminders. And if you ever have questions or need assistance, we are always here to help leverage our expertise for your benefit.

Do you know the difference between term life and whole life insurance? If not, you are not alone — it is one of the most...
08/04/2026

Do you know the difference between term life and whole life insurance? If not, you are not alone — it is one of the most common questions people have when exploring life insurance for the first time. Swipe for a quick breakdown to help you understand how the two compare.

The right choice depends on your budget, your goals, and what you need your life insurance to do for your family. Have questions? Give us a call, and we are happy to help you find the right fit.

There is something about summer that allows us to slow down and soak in the moments that matter. The laughter around the...
07/30/2026

There is something about summer that allows us to slow down and soak in the moments that matter. The laughter around the table, the time spent with loved ones, and the milestone memories made in between.

It is in these moments that we are reminded what truly matters most, and why protecting it is so important. Life insurance is not about focusing on the worst-case scenario. It is about creating a plan that helps ensure the people you love are supported, no matter what the future holds.

If it has been a while since you reviewed your coverage. Now is a great time to start the conversation. Reach out today to learn more.

From time to time, our firm likes to remind clients about the importance of keeping their life insurance information org...
07/28/2026

From time to time, our firm likes to remind clients about the importance of keeping their life insurance information organized and accessible. Gathering and storing key records helps beneficiaries know where to turn when they need it most. Swipe through for a checklist of documents to keep together.

Taking the time to organize these documents is also a great opportunity to review your policy and beneficiary designations, ensuring everything is accurate and up to date. If you have questions about your coverage or would like help reviewing your policy, reach out anytime.

07/27/2026

Driving in strong wind and rain creates hazardous road conditions, so remember to slow down to maintain control, increase your following distance, and use your headlights for better visibility! http://tkpl.us/tc8x0

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an ...
07/21/2026

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

Address

719 Quentin Road
Lebanon County, PA
17042

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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