Home insurance in Pennsylvania will protect your home structure, such as the walls and roof. It can also protect other structures on the property, such as an unattached garage or shed. In addition to protecting the structure of the home, it also protects the personal belongings that are in the house. Belongings can include bicycles, stereos, clothing, furniture, and more. Coverage protects your belongings if they are damaged by a covered event, or if they are stolen. Liability protection will help you if someone makes a claim against you or sues you for damages you or your family members cause to their property. Guest medical protection can help with the medical expenses of a guest who is injured on your property. There is also the option for additional protection. Another additional coverage option you may want to consider is reimbursed living expense coverage, which helps cover the cost of living in a hotel and other expenses if you aren’t able to live in your home after a covered loss.
You aren’t required to have home insurance by law, but your mortgage company may require that you have home insurance. Even if you don’t have a mortgage anymore, there are benefits to keeping your home insurance policy. Some of the top claims in the state include hail and wind damage, property damage, water damage and freezing, theft, and fire and lightning damage. Insurance rates are calculated based on how likely something terrible is to happen. The winter weather in the state plays a role in this since it can cause problems for homeowners. Some of these problems include frozen pipes and damage to the roof from heavy snow. An agent at White Rose Insurance Agency, LLC can help you find the right coverage for your risks. It also helps to decide about replacement costs or actual cash value. If you choose actual cash value for your insurance, you may pay less for your policy, but you will have to take into account depreciation if anything happens to your belongings.
Contact White Rose Insurance Agency, LLC to get a quote on home insurance.