Your home is likely the biggest investment you will ever make and it comes with much responsibility. It's the hub of your family life, providing stability and security. Making sure you’re adequately protected against unplanned loss, such as theft or natural disaster, is an important part of being a home owner.
Our Agency has a variety of options to help protect your home and personal belongings in the aftermath of an unexpected event. We understand that insurance needs vary from one household to another, so we will help customize a plan to meet your specific situation. Since we place such a high value on our client communication, our agency helps you understand your covered losses, deductible, coverage limits, and any other pertinent information.
In Pennsylvania, a standard homeowner's insurance policy normally provides protection for:
Dwelling: Coverage for damage to your home and structures attached to the home (plumbing, electrical, porches)
Personal Property: Coverage for your belongings inside the home (furniture, appliances, electronics, clothing)
Liability: Protects against injury to a person on your property or damages resulting from your property
Medical Payments: Covers medical expenses if a someone is injured on your property
Loss of Use: Covers added expenses if the home is uninhabitable due to a covered loss
Other structures: Covers nonattached physical structures (barn, shed, detached garage)
Additional coverages that are not included in a standard Homeowner’s policy would be flood, earthquake and mine subsidence. Also, if you choose to keep expensive items in your home (jewelry, art, guns, etc) you should consider scheduling these items on the policy. Remember to tell to your agent if you have any dogs, pools, or trampolines on your property. You may want to increase your liability limits to covers these risks.
Call our offices in Washington, 724-222-3690, or in Uniontown, 724-437-7147, to discuss a custom homeowner’s insurance policy today.