Cellucci Foran Insurance

Wildfire season is here, and our team at Cellucci Foran Insurance wants to help you stay prepared. Beyond evacuation plans and go‑bags, reviewing your homeowners, renters, and auto insurance is an important step for protecting your family and your property.

Now is a great time to double-check that your homeowners or renters policy covers fire, smoke, and ash damage. If you’re concerned about your vehicle, remember that wildfire damage typically falls under comprehensive auto insurance rather than homeowners coverage.

It’s also worth taking a look at your additional living expenses limits to make sure they would realistically cover the cost of temporary housing if you were displaced for several weeks.

If you have questions about your coverage or want to explore added protection for wildfire season, our team is here to help. Reach out anytime—we’re committed to helping you protect what you’ve built.

Understanding Medicare Savings Programs can make a big difference in lowering your health care expenses. Our team at Cellucci Foran Insurance put together a quick overview to help you get familiar with how these programs work and what they may cover.

If you’re unsure about eligibility or want guidance reviewing your options, we’re here to help. Reach out anytime — our local insurance experts are happy to walk you through the details.

Many business owners expect their commercial insurance to kick in the moment they confirm a policy, but that’s not always the case. At Cellucci Foran Insurance, our team helps you understand effective dates so your coverage lines up with your operations and protects your business from day one.

Want clarity on your commercial insurance or your policy’s start date? Reach out to us anytime — we’re here to help.

Commercial insurance can feel overwhelming, whether you're exploring coverage for the first time or you've handled policies before. The terminology alone can make the process confusing.

At Cellucci Foran Insurance, our team believes understanding your coverage is one of the most important steps in protecting your business. That’s why we put together a quick guide to help break down a few common commercial insurance terms.

Take a look through the highlights and let us know what stands out or what you'd like to learn more about.

If you ever need help reviewing your policy or want a clearer explanation of what your coverage includes, our team is always here to support you.

Medicare’s Annual Enrollment Period may still be a few months away, but now is a great time to start thinking about your coverage for next year.

AEP runs from October 15 through December 7, and reviewing your Medicare health and prescription drug plans early can make the process much smoother. Taking a little time now gives you space to compare options, understand changes, and feel confident about your decisions.

As you prepare, think about whether your healthcare needs have shifted, if your prescriptions have changed, or if your current plan is still the best fit.

If you’d like support reviewing your coverage, our team at Cellucci Foran Insurance is here to help. We’re committed to making the process simple and helping you feel informed every step of the way.

Cyber incidents continue to be one of the leading causes of business disruption. From phishing scams and ransomware to vendor outages, the ripple effects can hit operations, revenue, and even your reputation. With billions in reported losses each year, the financial impact is only growing.

Here’s a quick look at how cyber insurance can help safeguard your business—whether you operate in Pennsylvania, Delaware, or New Jersey. Our team at Cellucci Foran Insurance works with multiple top-rated carriers to help you understand what your current policy would cover and where protection may be missing.

If you’re unsure how your coverage would respond during a cyber event, now is a great time to review it. We’re here to walk you through your options and make sure your business has the protection it needs.