For many of us our home is our most valuable possession. The time to think about the unthinkable disaster is before it happens to you. If your home were damaged or destroyed, insurance can help you repair or rebuild your home and replace damaged possessions.
The main purpose of insurance is to protect you against losses you cannot afford. Few people have the financial resources to rebuild their homes.
In addition to protecting your home and possessions, homeowners insurance also provides liability coverage to protect you from financial ruin if someone is injured on your property and sues for damages.
A homeowners insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance which pays for injuries to other people or damages to their property accidentally caused by you, your family or your pets. You also can buy several types of additional insurance for property that is not listed in your homeowners policy or for perils not covered — such as flood — for which you need a separate policy. You do this by either buying a separate policy or by adding an endorsement or rider to your policy.
Additional Coverage Available:
Even though you don't own your own home you have personal property that can be lost to fires, burglaries and even lawsuits.
Manufactured home insurance provides coverage for your mobile home, garage or shed, and your personal belongings.
Condominiums and townhouses don't need as much insurance as a house, but owners have more to insure than a renter.
You don't have to live by water to be at risk. Approximately 30% of all flood claims occur in low to moderate risk areas.
Serving Harrisburg, PA and surrounding areas since 1962