Answers to common insurance questions.

Most quotes are ready in as little as 1 hour. Turnaround varies by coverage type and carrier. Once we review your details, we confirm the exact timeline.

Yes. We are licensed in PA, TX, VA, MD, OH, TN, KY. If you do not see your state listed, contact us and we will confirm availability.

Bring your current policy, basic driver or property details, and any loss history. We will guide you through the rest.

Yes. We stay involved after binding to help with claims questions, renewals, and coverage updates.

Pennsylvania requires 15/30/5 liability coverage plus first-party benefits (PIP). We recommend higher limits to better protect your assets in a serious accident.

Yes. Renters insurance covers personal property, liability, and additional living expenses if your rental unit becomes uninhabitable due to a covered loss.

Actual cash value pays the depreciated value of a damaged item. Replacement cost pays what it costs to replace the item new. Replacement cost coverage typically costs more but pays significantly more at claim time.

Most carriers offer multi-policy discounts of 5–20% when you bundle auto and home. We compare bundled versus separate carrier rates to confirm you are actually saving before recommending a bundle.

Umbrella insurance adds extra liability coverage on top of your auto and home policies, typically $1 million to $5 million, for a relatively low annual premium. It protects you if a claim exceeds your underlying policy limits.

SR-22 is a certificate filed with your state confirming you carry minimum required auto coverage. It is typically required after certain violations such as a DUI or license suspension. We handle SR-22 filings.

Yes. Carriers have different underwriting thresholds for driving history. We compare both standard and non-standard carriers to find coverage options for higher-risk drivers.

Call emergency services first if anyone is injured. Document the scene, exchange contact and insurance information with all parties, and take photos. Then contact your carrier or call us to start the claims process.

An independent agent is licensed to represent multiple insurance companies and can shop your coverage across all of them to find the best fit. A captive agent works for a single insurance company and can only quote and sell that company's products, even when a competitor would offer better pricing or coverage for your situation. Dragon Insurance is an independent agency, which is why we compare 30+ carriers instead of representing just one.

No. Insurance carriers pay independent agents a commission when a policy is issued, so working with Dragon Insurance does not add a fee or increase your premium above what you would pay buying directly from a carrier. You get comparison shopping across 30+ carriers and ongoing service at no extra cost.

Cost varies significantly by state, driving record, vehicle, and coverage level, so there is no single number that applies to everyone. In Pennsylvania, drivers have typically been quoted around $50 per month for minimum coverage and $117 per month for full coverage, according to MoneyGeek's 2026 statewide rate data. The only way to know your real price is to compare quotes, which is exactly what we do across 30+ carriers.

Nationally, home insurance costs approximately $212 per month, or about $2,543 per year, according to 2026 data from Bankrate and NerdWallet. Your actual premium depends on your home's value, age, construction, roof condition, and claims history. We compare 30+ carriers across our seven states to find the right coverage at the best available price.

In Pennsylvania, there is no state law requiring boat owners to carry insurance, so you can legally register and operate a boat without a policy. In practice, most marinas require proof of liability coverage, often at least $100,000, before they will let you dock or store a boat, and lenders financing a boat purchase require comprehensive and collision coverage until the loan is paid off. We can help you get proof-of-insurance documentation that satisfies marina and lender requirements.

Nationally, motorcycle insurance averages around $12 per month for minimum liability and around $30 per month for full coverage, according to MoneyGeek's 2026 data for a mid-size cruiser with a clean-record rider. Sport bikes, riders under 25, and anyone with prior violations typically pay significantly more. We compare 30+ carriers to find the best rate for your specific bike and riding history.

Cost depends heavily on the RV type and how you use it. Travel trailers typically run $200 to $800 per year, while Class A motorhomes typically run $1,200 to $3,500 or more per year, according to Foremost and Progressive rate guidance. We compare 30+ carriers, including specialized RV insurers, to find the right coverage for your specific rig.

A Business Owner's Policy (BOP) bundles general liability and commercial property coverage, often with business interruption included, into one policy for small businesses in lower-risk industries. Most businesses under $6 million in annual revenue, with fewer than 100 employees and a physical location, qualify under standard underwriting guidelines. The national median BOP has been quoted around $80 per month for new small business customers, according to Progressive Commercial's 2025 data.

In Pennsylvania, workers' compensation insurance is required for any employer with one or more employees, including part-time, seasonal, and family workers, with no small-business exemption. Rates typically range from under $0.10 to more than $15.00 per $100 of payroll depending on job classification, according to the Pennsylvania Compensation Rating Bureau (PCRB). Requirements differ slightly across our other six states, so we confirm your exact obligation when you request a quote.

Yes. We time your new policy's effective date to begin the day your current policy ends, so there is no gap in your coverage history. Just provide your current policy's expiration date when you request a quote and we will handle the timing.

Usually, yes. Most carriers apply a surcharge at your next renewal, and the increase can last for a few years depending on the carrier and the severity of the accident. Because the impact varies significantly from company to company, we recommend re-shopping your policy across our 30+ carriers after any at-fault accident instead of assuming you have to stay with your current insurer.

Either way works. Many of our carriers let you file a claim online or by phone in just a few minutes, and we can point you to the right claims center. If you would rather not deal with the carrier alone, call us at 717-229-5115 and we will help you contact the carrier, gather the right documentation, and follow up on adjuster requests.

Dragon Insurance compares 30+ carriers, including Progressive, Safeco, Liberty Mutual, and The General, to find the right coverage and price for your situation. As an independent agency, we are not limited to one company's rates or underwriting rules. The exact carriers available to you depend on your coverage type, state, and risk profile.

Yes. Dragon Insurance is licensed in PA, TX, VA, MD, OH, TN, KY, and our team handles quotes, applications, and renewals entirely by phone and online. You do not need to live near our Camp Hill, PA office to work with us.

No. We are licensed only in PA, TX, VA, MD, OH, TN, KY. If your state is not on this list, we cannot bind coverage there, but you are welcome to contact us with any questions.

No. Most insurance carriers do not require a Social Security number to issue a policy. An Individual Taxpayer Identification Number (ITIN) is often accepted instead, and many carriers will insure you with just a passport and a US address. This is common for new immigrants, and our advisors can walk you through exactly what your chosen carrier needs.

Yes. Dragon Insurance offers service in English, Nepali, and Hindi, and our advisors regularly work with clients from the Nepali and Bhutanese community. Call 717-229-5115 to speak with a team member in your preferred language.