E. R. Munro and Company

06/09/2026

Rubber washing machine water supply hoses are one of the most overlooked sources of water intrusion in homes. Over time, rubber hoses can dry out, crack, blister, bulge, or weaken, especially when they are under constant water pressure.

Many standard rubber washing machine hoses have an average service life of only 3 to 5 years. If they fail, the result can be a sudden leak or burst hose — and because laundry rooms are often located near finished spaces, second floors, basements, or utility areas, the damage can spread quickly.

What homeowners should know:

✅ Replace old rubber hoses

- If your washing machine still has rubber supply hoses, consider replacing them with high-quality stainless steel braided hoses with metal connections.

✅ Inspect hoses regularly

- Look for cracking, bulging, rusted fittings, kinks, moisture, or signs of wear behind the washer.

✅ Do not ignore age

- Even if a rubber hose “looks fine,” it may still be deteriorating from the inside.

✅ Consider a water hammer arrestor

- A water hammer arrestor can help reduce shock and stress on the hoses caused by sudden changes in water pressure. It may also help muffle banging or knocking sounds in the plumbing system.

✅ Turn off the water when away

- If you are leaving home for an extended period, consider shutting off the washing machine water supply valves.

✅ Install correctly

- Stainless steel braided hoses can often be purchased at a local hardware store and self-installed, but homeowners may also choose to have them installed by a licensed plumbing contractor.

A simple hose upgrade is a small investment that can help reduce the risk of major water damage to your home, flooring, walls, and personal belongings.

Preventive maintenance matters, especially when water is involved.

06/08/2026

It's National Fishing and Boating Week! Whether you're casting lines or cruising coastlines, every boat owner knows that preparation is key to a great day on the water. Just like checking your tackle box, it's worth checking that your boat coverage fits your adventures.

It's National Fishing and Boating Week! Whether you're casting lines or cruising coastlines, every boat owner knows that preparation is key to a great day on the water. Just like checking your tackle box, it's worth checking that your boat coverage fits your adventures. ...

06/08/2026

Before the season gets into full swing, make sure your roof is ready. From spotting damaged shingles to keeping gutters clear of summer debris, a few simple steps can help you avoid costly repairs. Swipe through for three practical tips to help keep your home protected all summer long. Learn more about protecting your roof:

Before the season gets into full swing, make sure your roof is ready. From spotting damaged shingles to keeping gutters clear of summer debris, a few simple steps can help you avoid costly repairs. Swipe through for three practical tips to help keep your home protected all summer long. Learn more ab...

06/04/2026

Think home insurance is all the same? Think again. Our latest blog explains why choosing the right carrier can make all the difference when it comes to coverage, claims, and peace of mind. Read more:

At E. R. Munro and Company, we try to point out to anyone who will listen that there is a real difference between insurance companies, and it is not just

06/01/2026

PA DRIVERS: The grace period is ending.

While Paul Miller’s Law is already in effect, making it illegal to hold a phone or mobile device while driving (even at red lights!), the official fine deadline is just around the corner.

Starting June 5, 2026, violations will cost you:

A $50 fine plus court costs and fees.

Remember, this is a primary offense. Police can pull you over solely for holding your phone.

What IS allowed?

100% hands-free use (including Bluetooth, voice controls, and properly mounted devices).

At E. R. Munro and Company, we want to help you build safer driving habits before the penalties kick in. Let’s work together to keep PA roads safe.

Put the phone down. Drive hands-free. Stay safe.

05/29/2026

Did you know there is an estimated 95% chance your current homeowners insurance completely excludes mine subsidence? If you live in Western Pennsylvania, your home could be sitting above an abandoned coal mine with a hidden risk of immediate structural collapse.

Read our latest blog post to discover the "Munro Advantage" and learn how a private carrier endorsement can seamlessly protect your property, your personal belongings, and your peace of mind:

Pennsylvania has a long, proud history of coal and clay mining. While that history helped build many communities across the Commonwealth, it also

05/27/2026

According to AAA, 13,135 people were killed in crashes involving teen drivers from 2019–2023, with summer bringing a dangerous spike in fatal crashes.

Parents: Talk with your teen now about speed, passengers, phone use, seat belts, and late-night driving.

Teens: Drive smart, stay focused, and make safe choices every time you get behind the wheel.

05/25/2026

Today, we honor and remember the brave souls who sacrificed their lives for our country and freedom. Know a hero? Take a moment to reflect on their courage and thank them in the comments.

05/21/2026

Have you ever received an insurance audit notice and wondered what it means for your business? Our latest blog explains how premium audits work, what records may be reviewed, and why completing the process matters for your coverage and final premium.

Many business insurance policies are issued using estimated information. This is especially common with Workers’ Compensation policies and, in some cases,

05/20/2026

When it comes to insuring a vehicle used for work, the most important question is not always, “What kind of vehicle is it?”

It is: What is the vehicle being used for?

A truck hauling someone else’s cargo is different from a van transporting people. And both are different from a service vehicle used by a plumber, electrician, contractor, or landscaper.

Here is a simple way to think about it:

🚚 For-Hire Trucking — Hauling other people’s goods for payment.

🚌 Public Auto — Transporting people as part of an organization’s operations, even if passengers are not paying directly.

🚐 Business Auto — Using a vehicle to support your own business, such as carrying tools, equipment, products, or employees.

The right coverage depends on the job the vehicle is doing.

Have questions about commercial auto insurance? Contact us today.