Additional Coverages

Value-added protection at an affordable cost.

Adding these affordable coverages to your policy provides you with extra peace of mind.

Auto PennPac®

Our affordable Auto PennPac puts together several valuable coverages for extra peace-of-mind protection, and includes pet coverage, death benefit, and seat belt and restraint benefit. If you have Collision and Comprehensive coverage, you get additional coverages for towing and labor, travel interruption, locksmith services, airbag replacement, personal effects, non-owned trailer, sound equipment and deductible waivers.

Auto Loan/Lease Coverage

Coverage that protects you for the difference between the amount you owe on a car loan or lease and what you would actually collect under your personal automobile insurance policy if your car were totaled. Pays to repair or replace damaged or destroyed items at today’s price, with no deduction for depreciation.

Replacement Cost Auto Coverage

If you have purchased a car within the last 30 days or are in the process of purchasing a new car, you may want to consider this coverage. Replacement cost auto coverage pays for damage to your car without considering depreciation in the value of your car. Your cost would only be the policy deductible. Cars damaged as a result of fire or theft will be covered at actual cash value.

Towing and Labor

Pays the cost of towing your auto when it is disabled. The cost of labor performed at the disablement is also covered up to the limit. This coverage is also generally inexpensive.

Since insurance laws are different in every state, some coverages may not be available. Be sure to talk with your agent.

Discounts and packages are subject to state availability and individual eligibility. Discounts may not apply to all coverages and/or all vehicles.


I was blown away by the quick reply from the claims adjuster and outstanding service received.

Kimberly W.

Audubon, NJ