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Navigating Apartment Moves in Pennsylvania Cities: Tips from the Experts

Navigating Apartment Moves in Pennsylvania Cities: Tips from the Experts

Apartment living is a popular choice in Pennsylvania's cities—from Philadelphia's bustling downtown to Pittsburgh's revitalized districts and smaller hubs like Harrisburg, Allentown, and Scranton. But moving into or out of an apartment in Pennsylvania poses unique challenges compared to suburban or rural moves. Narrow streets, walk-up buildings, parking restrictions, and strict lease timelines are just a few obstacles movers face in urban areas.
Whether you're moving across the street or across the state, it pays to be prepared. We spoke with professional movers and relocation experts to gather the most essential strategies. Whether you're working with long-distance movers or seeking help from trusted moving companies in Aston PA, these insights will help you navigate your next apartment move smoothly and stress-free.
Many apartment buildings in Pennsylvania's cities—especially older or high-rise complexes—have strict moving rules. It's critical to review these in advance to avoid costly delays or last-minute surprises. Reserved elevator slots
Moving hours (often limited to weekdays or business hours)
Certificate of Insurance (COI) from your moving company
Deposit or fees for using common areas or service entrances
Whether you're moving out of a luxury unit in Center City Philadelphia or into a walk-up in East Liberty, always communicate with your building manager. Professional moving companies in Aston PA are familiar with preparing the necessary documents and working within these guidelines, which can prevent issues on moving day.
In busy urban centers like Philadelphia, Pittsburgh, and Allentown, parking can be a logistical nightmare during a move. Some streets require permits, while others have tow-away zones or metered spots with time limits. Check with the city or township about temporary parking permits for moving trucks.
If available, reserve a loading zone or loading dock in advance.
Scout the area beforehand to determine whether double-parking or temporary no-parking signs may be necessary.
Experienced long-distance movers and local crews often include permit acquisition in their service. It's one of many reasons to hire professionals, especially if you're moving from outside the city and are unfamiliar with local rules.
Apartment moves in cities often come with space limitations: narrow hallways, steep staircases, or compact elevators. Using a full-size 26-foot moving truck may not be practical—or even possible—on tight city blocks. Shuttle services: smaller trucks transfer your items from the main moving truck.
Two-person or three-person teams: based on the complexity of the apartment and access.
Walk-throughs before the move** to assess which tools and team size are needed.
This prevents damage to your furniture, walls, and the building itself, and can save you both time and money.
In city apartment moves, organization is your best friend. When movers need to navigate multiple floors, limited parking windows, and tight staircases, clearly labeled and compact boxes are crucial. Use small to medium boxes for heavy items like books—easier to carry upstairs.
Label boxes by room and priority ('Kitchen – Unpack First').
Use clear plastic bins for essentials and fragile items—easy to identify.
Secure furniture parts, cords, and hardware in Ziploc bags taped to their parent items.
Most long-distance movers offer full or partial packing services, and some even provide reusable moving bins—an eco-friendly and efficient option.
Most apartment leases in Pennsylvania turn over at the end or beginning of the month, especially in university-heavy cities like State College or Philadelphia. Moving during these peak times often results in: Higher rates
Fewer available time slots
Elevator and dock congestion Mid-week or mid-month moves, when traffic and demand are lower
Morning appointments, to avoid unexpected delays from previous jobs
Off-season moves (October–March), when many companies offer discounts
The best moving companies in Aston PA often allow flexible booking and price-matching during off-peak periods, making professional help more accessible for apartment dwellers.
Many apartments, especially in older Pennsylvania buildings, don't have elevators. Walk-ups with narrow stairs can be exhausting, risky, and time-consuming—especially if you attempt it without experience or the right tools. Measure stairwells and entryways before move day
Take apart large furniture in advance (beds, couches, bookshelves)
Use hand trucks or shoulder straps for heavy or bulky items
Hiring pros—especially seasoned long-distance movers who've worked in urban environments—can reduce the risk of injury and damage to both your belongings and the property.
One of the most overlooked parts of apartment moving is the potential for damage—to your items or the apartment itself. And that can cost you your security deposit or cause issues with the landlord. Scratches on hardwood floors or elevators
Scuffed walls and doorframes
Dings on appliances or missing cabinet parts Floor runners, door protectors, and furniture blankets
Shrink wrap and padding for breakables
Insurance coverage in case something goes wrong
The best moving companies in Aston PA will perform a walk-through before and after the move to ensure nothing's missed—and that you leave your old apartment in good condition.
Apartment moves in Pennsylvania cities are complex—but they don't have to be chaotic. From navigating staircases and street permits to timing your move right, every detail counts when living in an urban environment.
The most important advice from moving experts is this: plan early, communicate clearly, and don't cut corners when it comes to safety and efficiency. Hiring professional movers—whether you're relocating across town or using long-distance movers to reach your new city—is often the difference between a smooth transition and a stressful one.
Whether you're downsizing to a city loft or upgrading to a bigger space, trust local experts like the top-rated moving companies in Aston PA to deliver the right tools, knowledge, and care to get you settled in your new home with peace of mind.
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AM Best Affirms Credit Ratings of Palms Insurance Company, Limited and Palms Specialty Insurance Company, Inc.
AM Best Affirms Credit Ratings of Palms Insurance Company, Limited and Palms Specialty Insurance Company, Inc.

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AM Best Affirms Credit Ratings of Palms Insurance Company, Limited and Palms Specialty Insurance Company, Inc.

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Humana Reports Second Quarter 2025 Financial Results; Raises Full Year 2025 Adjusted EPS and Revenue Guidance
Humana Reports Second Quarter 2025 Financial Results; Raises Full Year 2025 Adjusted EPS and Revenue Guidance

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Humana Reports Second Quarter 2025 Financial Results; Raises Full Year 2025 Adjusted EPS and Revenue Guidance

Reports 2Q25 earnings per share (EPS) of $4.51 on a GAAP basis, Adjusted EPS of $6.27; reports YTD EPS of $14.81 on a GAAP basis, $17.85 on an Adjusted basis 2Q25 Insurance segment benefit ratio of 89.9 percent, in line with the company's previously disclosed expectation of 'approximately 90 percent' Updates FY 2025 GAAP EPS guidance to 'approximately $13.77' from the previous estimate of 'approximately $14.68'; raises Adjusted FY 2025 EPS guidance to 'approximately $17.00', up from the previous 'approximately $16.25' guidance Raises FY 2025 consolidated revenues guidance to 'at least $128 billion' compared to the previous guidance range of $126 billion to $128 billion Affirms FY 2025 Insurance segment benefit ratio guidance range of 90.1 percent to 90.5 percent Revises FY 2025 individual Medicare Advantage membership guidance to now anticipate a decline of 'up to 500,000 members' from previous guidance of a decline of 'approximately 550,000' Expected membership decline inclusive of the impact of exiting certain unprofitable plans and counties Remains confident in 2025 pricing strategy as the company prioritizes benefit structure that is expected to drive sustainable, long-term value creation Continues to strategically expand the company's footprint in CenterWell and Medicaid CenterWell Pharmacy recently won access to 17 new limited distribution drugs and won the MMIT Patient Choice award for the 7th time in 8 years of the program's history CenterWell Primary Care now anticipates FY 2025 net patient growth of 50,000 to 70,000, ahead of the previously expected range of 30,000 to 50,000, reflecting 15 percent growth at the midpoint Launched Virginia Medicaid contract in July, unlocking a new dual special needs plan (D-SNP) market growth opportunity Publishes prepared management remarks to Investor Relations page of ahead of this morning's 8:00 a.m. ET question and answer session to discuss its financial results for the quarter and expectations for future earnings LOUISVILLE, Ky., July 30, 2025--(BUSINESS WIRE)--Humana Inc. 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These charges were recorded at the corporate level and not allocated to the segments. For all periods shown within this earnings release, GAAP measures affected in this release include consolidated pretax results, EPS, and the consolidated operating cost ratio. Impairment charges - The company recognized non-cash impairment charges related to certain indefinite-lived intangible assets based on the company's estimate of future financial performance in certain state markets. These charges were recorded at the corporate level and not allocated to the segments. For 2Q25 and YTD 2025, GAAP measures affected in this release include consolidated pretax results, EPS, and the consolidated operating cost ratio. Impact of exit of employer group commercial medical products business - These amounts relate to activity from the exit of the employer group commercial medical products business as announced by Humana on February 23, 2023. For 2Q24 and YTD 2024, GAAP measures affected in this earnings release include consolidated pretax results, EPS, consolidated revenues, consolidated benefit ratio, consolidated operating cost ratio, Insurance segment revenues, Insurance segment benefit ratio, Insurance segment operating cost ratio, and Insurance segment income from operations. Cumulative net tax impact - This adjustment represents the cumulative net impact of the corresponding tax benefit or expense related to the aforementioned items excluded from the applicable GAAP measures. For all periods presented in this earnings release, EPS is the sole GAAP measure affected. In addition to the reconciliations shown on page 2 of this release, the following are reconciliations of GAAP to Adjusted (non-GAAP) measures described above and disclosed within this earnings release: Revenues CONSOLIDATEDRevenues(in millions) 2Q25 2Q24 YTD 2025 YTD 2024 GAAP $32,388 $29,540 $64,500 $59,151 Impact of exit of employer group commercial medical products business — (160) — (440) Adjusted (non-GAAP) $32,388 $29,380 $64,500 $58,711 INSURANCE SEGMENTRevenues(in millions) 2Q25 2Q24 YTD 2025 YTD 2024 GAAP $31,094 $28,525 $62,031 $57,224 Impact of exit of employer group commercial medical products business — (160) — (440) Adjusted (non-GAAP) $31,094 $28,365 $62,031 $56,784 Benefit Ratio CONSOLIDATEDBenefit ratio 2Q25 2Q24 YTD 2025 YTD 2024 GAAP 89.7 % 89.0 % 88.4 % 88.9 % Impact of exit of employer group commercial medical products business — % (0.1 )% — % — % Adjusted (non-GAAP) 89.7 % 88.9 % 88.4 % 88.9 % INSURANCE SEGMENTBenefit ratio 2Q25 2Q24 YTD 2025 YTD 2024 GAAP 89.9 % 89.5 % 88.7 % 89.4 % Impact of exit of employer group commercial medical products business — % (0.1 )% — % — % Adjusted (non-GAAP) 89.9 % 89.4 % 88.7 % 89.4 % Operating Cost Ratio CONSOLIDATEDOperating cost ratio 2Q25 2Q24 YTD 2025 YTD 2024 GAAP 11.0 % 10.8 % 10.8 % 10.6 % Impact of exit of employer group commercial medical products business — % (0.1 )% — % (0.1 )% Value creation initiatives — % (0.2 )% (0.1 )% (0.1 )% Impairment charges (0.1 )% — % — % — % Adjusted (non-GAAP) 10.9 % 10.5 % 10.7 % 10.4 % INSURANCE SEGMENTOperating cost ratio 2Q25 2Q24 YTD 2025 YTD 2024 GAAP 8.3 % 8.4 % 8.3 % 8.4 % Impact of exit of employer group commercial medical products business — % — % — % (0.1 )% Adjusted (non-GAAP) 8.3 % 8.4 % 8.3 % 8.3 % Insurance Segment - Income from Operations INSURANCE SEGMENTIncome from operations(in millions) 2Q25 2Q24 YTD 2025 YTD 2024 GAAP $766 $763 $2,340 $1,661 Amortization associated with identifiable intangibles 4 4 9 9 Impact of exit of employer group commercial medical products business — 59 — 60 Adjusted (non-GAAP) $770 $826 $2,349 $1,730 (b) FY 2025 GAAP EPS guidance and FY 2025 Adjusted (non-GAAP) EPS guidance exclude the impact of future value changes to items that are not yet probable or cannot be reasonably estimated at this time. Cautionary Statement This news release includes forward-looking statements regarding Humana within the meaning of the Private Securities Litigation Reform Act of 1995. When used in investor presentations, press releases, Securities and Exchange Commission (SEC) filings, and in oral statements made by or with the approval of one of Humana's executive officers, the words or phrases like "expects," "believes," "anticipates," "assumes," "intends," "likely will result," "estimates," "projects" or variations of such words and similar expressions are intended to identify such forward-looking statements. These forward-looking statements are not guarantees of future performance and are subject to risks, uncertainties, and assumptions, including, among other things, information set forth in the "Risk Factors" section of the company's SEC filings, a summary of which includes but is not limited to the following: If Humana does not design and price its products properly and competitively, if the premiums Humana receives are insufficient to cover the cost of healthcare services delivered to its members, if the company is unable to implement clinical initiatives to provide a better healthcare experience for its members, lower costs and appropriately document the risk profile of its members, or if its estimates of benefits expense are inadequate, Humana's profitability could be materially adversely affected. Humana estimates the costs of its benefit expense payments, and designs and prices its products accordingly, using actuarial methods and assumptions based upon, among other relevant factors, claim payment patterns, medical cost inflation, and historical developments such as claim inventory levels and claim receipt patterns. The company continually reviews estimates of future payments relating to benefit expenses for services incurred in the current and prior periods and makes necessary adjustments to its reserves, including premium deficiency reserves, where appropriate. These estimates involve extensive judgment, and have considerable inherent variability because they are extremely sensitive to changes in claim payment patterns and medical cost trends. Accordingly, Humana's reserves may be insufficient. If Humana fails to effectively implement its operational and strategic initiatives, including its Medicare initiatives, which are of particular importance given the concentration of the company's revenues in these products, state-based contract strategy, the growth of its CenterWell business, and its integrated care delivery model, the company's business may be materially adversely affected. The number of Humana's Medicare Advantage plans rated 4-star or higher will significantly decline in 2025. Humana has filed a lawsuit seeking to set aside and vacate the 2025 Star Ratings of its Medicare Advantage plans, but there is no assurance that the company will prevail in this lawsuit. If the company is not successful, the decline in Star Ratings will negatively impact its 2026 quality bonus payments from CMS and may also significantly adversely affect the company's revenues, operating results, and cash flows. In addition, there can be no assurances the company will be successful in maintaining or improving its Star Ratings in future years. If Humana, or the third-party service providers on which it relies, fails to properly maintain the integrity of its data, to strategically maintain existing or implement new information systems, to protect Humana's proprietary rights to its systems, or to defend against cyber-security attacks, contain such attacks when they occur, or prevent other privacy or data security incidents that result in security breaches that disrupt the company's operations or in the unintentional dissemination of sensitive personal information or proprietary or confidential information, the company's business may be materially adversely affected. Humana is involved in various legal actions, or disputes that could lead to legal actions (such as, among other things, provider contract disputes and qui tam litigation brought by individuals on behalf of the government), governmental and internal investigations, and routine internal review of business processes any of which, if resolved unfavorably to the company, could result in substantial monetary damages or changes in its business practices. Increased litigation and negative publicity could also increase the company's cost of doing business. As a government contractor, Humana is exposed to risks that may materially adversely affect its business or its willingness or ability to participate in government healthcare programs including, among other things, loss of material government contracts; governmental audits and investigations; potential inadequacy of government determined payment rates; potential restrictions on profitability, including by comparison of profitability of the company's Medicare Advantage business to non-Medicare Advantage business; or other changes in the governmental programs in which Humana participates. Changes to the risk-adjustment model utilized by CMS to adjust premiums paid to Medicare Advantage plans or retrospective recovery by CMS of previously paid premiums as a result of the final rule related to the risk adjustment data validation audit methodology published by CMS on January 30, 2023 (Final RADV Rule), which Humana believes fails to address adequately the statutory requirement of actuarial equivalence and violates the Administrative Procedure Act due to its failure to include a "Fee for Service Adjuster" could have a material adverse effect on the company's operating results, financial position and cash flows. Humana's business activities are subject to substantial government regulation. New laws or regulations, or legislative, judicial, or regulatory changes in existing laws or regulations or their manner of application could increase the company's cost of doing business and have a material adverse effect on Humana's results of operations (including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments); the company's financial position (including the company's ability to maintain the value of its goodwill); and the company's cash flows. Humana's failure to manage acquisitions, divestitures and other significant transactions successfully may have a material adverse effect on the company's results of operations, financial position, and cash flows. If Humana fails to develop and maintain satisfactory relationships with the providers of care to its members, the company's business may be adversely affected. Humana faces significant competition in attracting and retaining talented employees. Further, managing succession for, and retention of, key executives is critical to the Company's success, and its failure to do so could adversely affect the Company's businesses, operating results and/or future performance. Humana's pharmacy business is highly competitive and subjects it to regulations and supply chain risks in addition to those the company faces with its core health benefits businesses. Changes in the prescription drug industry pricing benchmarks may adversely affect Humana's financial performance. Humana's ability to obtain funds from certain of its licensed subsidiaries is restricted by state insurance regulations. Downgrades in Humana's debt ratings, should they occur, may adversely affect its business, results of operations, and financial condition. Volatility or disruption in the securities and credit markets may significantly and adversely affect the value of our investment portfolio and the investment income that we derive from this portfolio. In making forward-looking statements, Humana is not undertaking to address or update them in future filings or communications regarding its business or results. In light of these risks, uncertainties, and assumptions, the forward-looking events discussed herein may or may not occur. There also may be other risks that the company is unable to predict at this time. Any of these risks and uncertainties may cause actual results to differ materially from the results discussed in the forward-looking statements. Humana advises investors to read the following documents as filed by the company with the SEC for further discussion both of the risks it faces and its historical performance: Form 10-K for the year ended December 31, 2024; Form 10-Q for the quarter ended March 31, 2025; and Form 8-Ks filed during 2025. About Humana Humana Inc. is committed to putting health first – for our teammates, our customers, and our company. Through our Humana insurance services, and our CenterWell health care services, we make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare, Medicaid, families, individuals, military service personnel, and communities at large. Learn more about what we offer at and at View source version on Contacts Lisa StonerHumana Investor Relations(502) 580-2652e-mail: LStamper@ Mark TaylorHumana Corporate Communications(317) 753-0345e-mail: MTaylor108@ Sign in to access your portfolio

UAE central bank suspends foreign insurer's motor business over solvency issues
UAE central bank suspends foreign insurer's motor business over solvency issues

Arabian Business

time3 days ago

  • Arabian Business

UAE central bank suspends foreign insurer's motor business over solvency issues

The Central Bank of the UAE (CBUAE) has suspended the motor insurance business of a foreign insurance company's branch following the entity's failure to meet solvency and guarantee requirements. The action was taken pursuant to Articles 33 and 44 of Federal Decree Law No. 48 of 2023 Regulating Insurance Activities, the central bank confirmed. Despite the suspension, the insurer remains liable for all rights and obligations arising from insurance contracts concluded before the suspension took effect. The CBUAE cited the entity's non-compliance with solvency and guarantee requirements specified in the law and prevailing regulations governing insurance companies in the UAE as the reason for the suspension. The central bank stated that through its supervisory and regulatory mandates, it 'endeavours to ensure that all insurers, their owners and staff comply with the UAE laws, regulations and standards established by the CBUAE to maintain transparency and integrity of the insurance sector and safeguard the UAE financial ecosystem.'

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