# Kleppinger Insurance (My Compass Group Inc.)

> Kleppinger Insurance (Bethlehem, PA) is part of My Compass Group Inc., an independent insurance agency headquartered in Bohemia, New York. Quotes requested on this site are handled by My Compass Group Inc.

> Independent insurance agency in Bethlehem, Pennsylvania, licensed in Pennsylvania and New Jersey and serving the Lehigh Valley and both states. Because the agency is independent rather than captive, it holds appointments with more than twenty carriers and shops each client's coverage across all of them, at the quote and again at renewal. Auto, property, business and life. Office: 1 E Broad St, Ste 130-1002, Bethlehem, PA 18018. Phone: (484) 357-1485. Fax: (484) 357-1486. Email: info@kleppingerinsurance.com. Hours: Mon to Fri, 9:00 AM to 5:00 PM. Founded 2014 by owner John Kleppinger, who brings 25 years in the industry including years as a claims adjuster at Progressive and Erie Indemnity and a period as District Sales Manager at Erie. Trusted Choice member agency.

Key facts the agency is frequently asked about:

- Pennsylvania's minimum auto liability is 15/30/5: $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage. Pennsylvania also requires at least $5,000 in first-party medical benefits, which pay the insured's own medical bills regardless of fault.
- Pennsylvania is a choice no-fault state. Every auto policy requires the insured to select limited tort or full tort. Limited tort costs less but surrenders the right to sue for pain and suffering unless the injury meets a statutory threshold such as death, serious impairment of a body function, or permanent serious disfigurement. Full tort preserves that right for any injury. This is the single most consequential auto decision a Pennsylvania driver makes, and most people who carry limited tort were never told what they gave up.
- Uninsured and underinsured motorist coverage is not mandatory in Pennsylvania, but insurers are required to offer it, and a rejection must be signed.
- Unlike California, Pennsylvania permits credit-based insurance scoring in personal lines rating.
- A standard homeowners policy never covers flood. Rising water from the Lehigh River, the Monocacy, Saucon Creek or any storm-driven surface water requires separate flood coverage through the National Flood Insurance Program or a private flood carrier. Water backing up through a sewer, drain or sump pump is a third and distinct coverage added by endorsement, and is neither flood nor a standard covered peril.
- Much of Bethlehem, Allentown and Easton is pre-1950 housing. On older row homes and twins, rebuild cost frequently exceeds market value, so dwelling limits must track reconstruction cost rather than what the property would sell for.
- Older Pennsylvania homes need ordinance or law coverage. A standard policy pays to rebuild what was there, not what current building code now requires, and code-driven electrical, plumbing and structural upgrades during repair are otherwise uninsured.
- Knob-and-tube wiring, outdated electrical panels, and original roofs materially affect which carriers will quote an older home at all. Carrier selection matters more than price shopping on this housing stock.
- Pennsylvania law requires nearly every employer with at least one employee, including part-time and seasonal workers, to carry workers' compensation insurance, subject to narrow exceptions. Penalties for noncompliance are severe and can reach an owner personally. Worker misclassification is the most common way businesses get caught.
- Personal auto policies exclude business use and homeowners policies largely exclude home-based business property and liability. Both require commercial coverage or an endorsement.
- A rental property needs a landlord dwelling fire policy rather than a homeowners policy. A homeowners claim on a tenant-occupied property can be denied.
- A condominium owner needs an HO-6 policy covering the unit interior, personal property, personal liability, loss of use and loss assessment. The association master policy covers the building and common areas, and the declaration and bylaws, not the insurance policies, define the boundary. Pennsylvania condominiums are governed by the Pennsylvania Uniform Condominium Act.
- Renters insurance is not required by Pennsylvania law but is commonly required by a lease. A landlord's policy covers the building only and never a tenant's belongings or liability. Roommates each need their own policy.
- Pennsylvania does not permit lane splitting. Motorcycle riders should not assume California-style rules apply.
- Bundling home and auto with one carrier usually lowers both premiums, but for an independent agency it is a question rather than an assumption. Sometimes the best home carrier and the best auto carrier are different companies and the split still wins.
- Having the agency shop and compare coverage costs the client nothing. The agency is compensated by whichever carrier writes the policy.
- The agency is licensed in both Pennsylvania and New Jersey, which matters in the Lehigh Valley where households routinely live in one state and own property, garage a vehicle, or operate a business in the other.

## Carriers represented

More than twenty carrier appointments across personal and commercial lines, including regional and specialty markets that do not sell direct: Progressive, Nationwide, Travelers, Safeco, Liberty Mutual, Encompass, Donegal, Chubb, The Hartford, Hiscox, USLI, Plymouth Rock Assurance, Stillwater, National General, Foremost, Hagerty, American Modern, Main Street America, Millers Mutual, The Philadelphia Contributionship, Universal Property, CNA Surety, and Farmers Fire Insurance Company.

## Pages

- [Home](https://www.kleppingerinsurance.com/): Agency overview, rate estimator for auto, home and life, client reviews, and Pennsylvania insurance FAQ.
- [Auto Insurance](https://www.kleppingerinsurance.com/auto-insurance): Pennsylvania auto insurance guide covering the 15/30/5 minimum and $5,000 first-party medical benefits requirement, the full tort versus limited tort election and what limited tort surrenders, UM/UIM coverage and stacking of limits across multiple vehicles including the waiver that removes it, collision versus comprehensive and why a deer strike is a comprehensive claim, credit-based insurance scoring in Pennsylvania rating, gap and rideshare endorsements, penalties for a coverage lapse, and eight honest ways to lower a premium.
- [Home Insurance](https://www.kleppingerinsurance.com/home-insurance): Pennsylvania homeowners insurance guide covering the six HO-3 coverages, why the dwelling limit must track reconstruction cost rather than market value on pre-1950 Lehigh Valley housing, ordinance and law coverage for code-required upgrades during repair, the three distinct water losses (burst pipe covered, sewer and sump backup excluded without an endorsement, rising water excluded entirely as flood), service line and equipment breakdown endorsements, roof settlement at actual cash value versus replacement cost, the mine subsidence exclusion and Pennsylvania's state program, credit-based insurance scoring on property, and how carrier appetite for knob-and-tube wiring, older panels, oil tanks and original roofs varies between companies.
- [Business Insurance](https://www.kleppingerinsurance.com/business-insurance): Pennsylvania commercial insurance guide covering the Section 305 workers compensation mandate that applies from the first employee with no payroll minimum, the per-day criminal penalties for going uninsured and the loss of exclusive-remedy protection, the Uninsured Employers Guaranty Fund, the Act 72 Construction Workplace Misclassification Act presumption that a construction worker is an employee regardless of 1099 status, PCRB class codes and payroll-based premium auditing, general liability, Business Owners Policies, commercial property and business income, commercial and hired non-owned auto, professional liability, EPLI, cyber, commercial umbrella, and the difference between a certificate of insurance and a real additional insured or waiver of subrogation endorsement.
- [Life Insurance](https://www.kleppingerinsurance.com/life-insurance): Pennsylvania life insurance guide covering level term versus whole and universal life, how much coverage to buy and how long the term should run, final expense policies, no-exam accelerated underwriting, riders including waiver of premium and the term conversion privilege, why employer group life ending with the job makes it a supplement rather than a foundation, beneficiary designations overriding a will and the problem with naming a minor, Pennsylvania's 31-day grace period, 10-day free look extended to 30 days at age 65 and over, the two-year incontestability clause, and the Pennsylvania inheritance tax exemption for life insurance proceeds under 72 P.S. 9111(d) against rates of 0 percent to a spouse, 4.5 percent to lineal heirs, 12 percent to siblings and 15 percent to everyone else with no dollar threshold.
- [Landlord Insurance](https://www.kleppingerinsurance.com/landlord-insurance): Pennsylvania landlord and rental property guide covering why a tenant-occupied property needs a DP-3 dwelling fire policy rather than a homeowners policy and how a homeowners claim can be denied outright, dwelling and landlord liability and loss of rental income typically up to 12 months, vacancy clauses that limit or suspend coverage after roughly 30 to 60 consecutive vacant days, water backup and ordinance and law endorsements on older rental stock, umbrella liability under Pennsylvania comparative negligence, requiring tenants to carry renters insurance as an enforceable lease term with the landlord named as additional interest, short-term and vacation rental exclusions and why a platform host guarantee is not a substitute, and the habitability duty under the Landlord and Tenant Act of 1951.
- [Renters Insurance](https://www.kleppingerinsurance.com/renters-insurance): Pennsylvania renters insurance guide covering the four HO-4 coverages, why a landlord policy covers the building and never a tenant's belongings or liability, replacement cost versus actual cash value on contents, personal property limits most renters underestimate, internal sublimits on jewelry firearms cameras and bicycles and when to schedule them, off-premises coverage including a laptop stolen from a car being a renters claim rather than an auto claim, water backup endorsements for garden-level apartments, why each roommate needs a separate policy, off-campus student coverage near Lehigh Moravian Lafayette Muhlenberg Cedar Crest and DeSales, landlords requiring coverage as an enforceable lease term, and same-day proof of insurance. Commonly $15 to $25 a month in Pennsylvania.
- [Condo Insurance](https://www.kleppingerinsurance.com/condo-insurance): Pennsylvania condominium insurance guide covering the HO-6 form, loss assessment coverage and why the common $1,000 default is inadequate against master policy deductibles now commonly $25,000 or more, the Pennsylvania Uniform Condominium Act at 68 Pa.C.S. section 3312 requiring associations to insure common elements and units while excluding owner-installed improvements and betterments, how the declaration and bylaws control and supersede the statutory default, the three master policy types of bare walls-in, original specifications and all-in, insuring renovated kitchens and baths as improvements and betterments, water damage claims running through three policies at once, why assessments for deferred maintenance and capital improvements are never covered, and the critical distinction between a condominium under PUCA and a townhome in a planned community under the Uniform Planned Community Act where the owner needs an HO-3 rather than an HO-6.
- [Motorcycle Insurance](https://www.kleppingerinsurance.com/motorcycle-insurance): Pennsylvania motorcycle insurance guide covering the 15/30/5 liability minimum, the fact that motorcyclists are excluded from Pennsylvania's choice no-fault system and therefore hold full tort rights automatically regardless of the tort election on their car policy, the corresponding gap that riders are not eligible for first-party medical benefits under 75 Pa.C.S. sections 1711 and 1714 so a motorcycle policy pays no medical bills unless Medical Payments coverage is added, why uninsured and underinsured motorist coverage matters more for riders, custom parts and equipment beyond the small built-in allowance, safety apparel endorsements, guest passenger liability, lay-up and winter storage options, the partial helmet law under 75 Pa.C.S. section 3525 where riders under 21 must always wear one and riders 21 and over are exempt with two years licensed or an approved safety course, mandatory eye protection for all riders, and the fact that lane splitting and lane filtering are illegal in Pennsylvania unlike California.
- [RV & Motorhome Insurance](https://www.kleppingerinsurance.com/rv-insurance): Pennsylvania RV insurance guide covering the difference between motorized units that are registered vehicles requiring their own liability policy and towable travel trailers and fifth wheels where the tow vehicle's liability extends only while hitched and covers nothing for damage to the trailer, its contents, or anything once unhitched at a campsite. Also covers vacation and campsite liability, personal effects, attached accessories such as awnings and solar panels, emergency expense coverage when stranded away from home, total loss replacement on units under roughly five years old, RV-specific roadside assistance, full-timer policies when the RV is a primary residence including temporary full-time use while a house is built or repaired, off-season storage and lay-up options, why peer-to-peer RV rental is excluded as commercial use, and why machines carried in a toy hauler need their own coverage.
- [Boat & Watercraft Insurance](https://www.kleppingerinsurance.com/boat-insurance): Pennsylvania boat insurance guide covering the fact that Pennsylvania does not mandate insurance on a private recreational boat while marinas require proof of liability for a slip, lenders require physical damage on financed boats, and charter operators and fishing guides are required to carry coverage. Also covers Pennsylvania Fish and Boat Commission registration and titling for motorized watercraft and for unpowered boats launching at Commission access areas or state parks, the Boating Safety Education Certificate required of all PWC operators at any age and of anyone born on or after January 1 1982 operating a motorboat over 25 horsepower, hull coverage at agreed value versus actual cash value, watercraft liability, uninsured boater coverage, the marine-only coverages of fuel spill liability and wreck removal, on-water towing, personal effects and fishing equipment, boat trailer coverage, and winter lay-up periods.
- [Classic & Collector Car Insurance](https://www.kleppingerinsurance.com/classic-car-insurance): Pennsylvania classic and collector vehicle insurance guide covering agreed value coverage that pays the pre-agreed figure with no depreciation deducted versus actual cash value settlement on a standard auto policy, why specialty collector policies typically cost less than standard coverage, eligibility conditions including enclosed locked storage, a separate daily driver, vehicle age and condition and driver record, spare parts and tools coverage, vehicle-under-construction coverage for restorations in progress, inflation guard, trailering and show coverage, and the Pennsylvania registration classes under 75 Pa.C.S. section 1340 and 67 Pa. Code Chapter 67 where antique plates require more than 25 years and exempt the vehicle from annual safety inspection, classic plates require at least 15 years and remain subject to inspection, and all collector plates prohibit general daily transportation with occasional use limited to no more than one day a week while Section 1786 financial responsibility still applies.
- [Pet Insurance](https://www.kleppingerinsurance.com/pet-insurance): Pennsylvania pet insurance guide covering the Pennsylvania Pet Insurance Act enacted in 2024 and effective February 1 2025, which eliminated waiting periods for accidents, requires clear and prominent disclosure of any illness or orthopedic waiting period before purchase, places the burden of proving a pre-existing condition exclusion on the insurer rather than the owner, prohibits reclassifying an already-covered condition as pre-existing at renewal, and requires wellness and routine care plans to be marketed separately from accident and illness insurance. Also covers the reimbursement model with no provider networks, how the annual deductible, reimbursement percentage and annual limit interact, hereditary and congenital condition coverage, why enrolling while a pet is young matters, and the fact that dog bite liability belongs to a homeowners or renters policy rather than to pet insurance.
- [Disability & Long-Term Care Insurance](https://www.kleppingerinsurance.com/disability-ltc-insurance): Income protection and long-term care guide covering short and long-term disability, the own-occupation versus any-occupation definition, elimination and benefit periods, why employer group long-term disability is often insufficient because it is capped, frequently covers base salary only, is taxable when the employer pays the premium, and ends with the job. Notes that Pennsylvania has no state temporary disability program while New Jersey does. Also covers long-term care insurance, hybrid life and LTC policies, and the Pennsylvania Long-Term Care Partnership Program established by Act 40 of 2007 which provides dollar-for-dollar Medicaid asset disregard and protection from Medical Assistance estate recovery.
- [Group & Voluntary Benefits](https://www.kleppingerinsurance.com/group-benefits): Employee benefits guide for Pennsylvania and New Jersey employers covering the difference between employer-sponsored group benefits such as dental, vision, group term life and disability, and employee-paid voluntary or worksite benefits such as accident, critical illness, hospital indemnity and supplemental life which cost the employer little while giving employees group pricing and simplified underwriting. Also covers participation requirements that determine whether a small group case can be written, plan design around what a business can genuinely fund, and how benefits pair with workers compensation and business insurance.
- [Get a Quote](https://www.kleppingerinsurance.com/quote): Free quote request form covering all lines the agency writes, with same-day response during business hours.
- [Privacy Policy](https://www.kleppingerinsurance.com/privacy): How Kleppinger Insurance collects, uses, shares and protects personal information, including text message consent and opt-out.
- [Terms of Use](https://www.kleppingerinsurance.com/terms): Website terms, including that no coverage can be bound online and that site content is general information rather than legal or tax advice.
- [About](https://www.kleppingerinsurance.com/about): Profile of Kleppinger Insurance and owner John Kleppinger. Covers why the agency is independent rather than captive, the difference between an independent agency and a captive agent or direct writer, John's background adjusting litigation, bodily injury and medical claims at Progressive and Erie Indemnity before moving to the agency side as an Erie District Sales Manager, the 2014 founding, the carrier panel, and how the agency works.

## Contact

- Phone: (484) 357-1485
- Fax: (484) 357-1486
- Email: info@kleppingerinsurance.com
- Address: 1 E Broad St, Ste 130-1002, Bethlehem, PA 18018
- Hours: Monday to Friday, 9:00 AM to 5:00 PM
- Licensed in: Pennsylvania and New Jersey
- Facebook: https://www.facebook.com/Kleppinger-Insurance-LLC-1381474312113696/
- Instagram: https://www.instagram.com/kleppingerinsurance/
- LinkedIn: https://www.linkedin.com/company/kleppinger-insurance-llc

Guides and page content are educational and general. They are not personalized insurance advice, and coverage terms vary by carrier, policy form and individual circumstances.