• Homeowners Insurance in Pennsylvania

Homeowners insurance, also known as home insurance, is referred to as a package policy in that it provides protection for property damage and liability claims. It’s one of the most common types of insurance, but it can also be confusing. Here are some answers to frequently asked questions to keep in mind while you’re shopping for home insurance with Horne Insurance. 

What Does Home Insurance Cover? 

A standard homeowners insurance policy insures the home itself and the things you keep in it. It is typically a package policy, which means it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.  

Your homeowners insurance policy may not cover flood or earthquake damage. Talk with your insurance agent about these types of coverage. 

Are All Kinds Of Home Insurance Alike? 

Your home is unique, from its shape and size to the materials used to build it. In addition, your possessions have wide-ranging values. Any loss is costly, so you’ll want to maximize your benefits.  

• Ensure you have enough structure protection to rebuild the home. Keep in mind that the construction value differs from the cost to buy a new home.

• Ask your insurance agent to adjust your possessions coverage to match the total value of your belongings as closely as possible. That way, you’ll have fewer limitations when making a claim. Keep in mind; some policies will limit how much they pay per item.

• Your policy likely includes a deductible on the damage. It’s a good idea to take as high a deductible as you can manage; this may lower the cost of your premium.

Homeowners coverage is critical to your overall financial well-being. Having a policy means you don’t have to pay for covered home damage out of pocket.  

What does home insurance cost?  

Multiple factors could influence the cost of your home insurance, including:  

Want to Learn More? 

Our agents are committed to helping clients get the right policy for their needs and truly understanding what their coverage includes. Give us a call today at 814-886-4021 to learn more.