Home Owners Insurance

Homeowners insurance is a crucial form of protection that covers your home, your belongings, and your liability in the event of unexpected damage or accidents. It typically includes coverage for the structure of your home, personal property like furniture and electronics, and other buildings on your property such as garages or sheds. In addition, most policies provide liability coverage if someone is injured on your property or if you unintentionally cause damage to someone else’s property. Some policies also include coverage for additional living expenses if you're forced to temporarily move out due to a covered incident.

Having homeowners insurance is important because it protects one of your biggest financial investments—your home. Without it, the cost of repairs or rebuilding after events like fires, storms, or theft could be devastating. It also provides peace of mind, knowing that you're financially safeguarded against life's uncertainties. Beyond protecting your home, homeowners insurance helps with legal and medical costs if someone is injured on your property, which can prevent serious financial strain. Additionally, most mortgage lenders require homeowners insurance as a condition of the loan, so having it isn’t just a wise decision—it’s often a necessary one. In the unfortunate event of a major loss, insurance can help you recover more quickly by covering the cost to repair or replace what was lost.

In short, homeowners insurance provides essential security. It’s not just about protecting a building—it's about protecting your lifestyle, your future, and the place you call home.

Hours Of Opperation

Monday 9am-6pm

Tuesday 9am-6pm

Wednesday 9am-6pm

Thursday 9am-6pm

Friday 9am-6pm

Saturday Closed

Sunday Closed

Homeowners Coverages in Pennsylvania
1. Dwelling Coverage

Covers the structure of your home, including walls, roof, floors, and built-in appliances, against common risks such as:

Fire or smoke
Windstorms or hail
Lightning
Vandalism or theft
Snow and ice damage

This coverage is based on your home’s replacement cost, not its market value.

2. Other Structures Coverage

Covers detached structures on your property, such as:

Garages
Fences
Sheds
Gazebos

This is usually set at 10% of your dwelling limit.

3. Personal Property Coverage

Protects your belongings — like furniture, electronics, and clothing — whether they’re damaged at home or stolen while you’re away. You can choose between:

Actual cash value (depreciated)
Replacement cost coverage (recommended)

4. Loss of Use / Additional Living Expenses

If a covered loss makes your home uninhabitable, this pays for:

Temporary housing (hotel/rent)
Meals
Other extra living expenses

5. Personal Liability Coverage

Protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property. It also helps cover legal fees and settlements.

6. Medical Payments to Others

Covers medical costs for minor injuries to guests — regardless of who is at fault. This is often set between $1,000 and $5,000.

7. Optional Add-On Coverages for Pennsylvania Homeowners

Certain risks common in Pennsylvania may require extra protection:

Flood Insurance (separate policy)
Water Backup / Sump Pump Overflow
Earthquake Coverage
Scheduled Personal Property (jewelry, collectibles, etc.)
Umbrella Insurance for extended liability protection
Identity Theft Coverage