Protect the Place Where Life Is Made
It's More Than Your Biggest Investment
Always Feel Right at Home
Home prices have increased over the last 27 months, have you had your coverage reviewed recently?
The Right Homeowners Insurance is More Than Protecting Your Investment.
Many homeowners have a number of questions about purchasing the right amount of insurance. From primary homes to vacation or investment properties, we can work with you to incorporate the correct amount of coverage into your personal insurance program.
Your home is more than the materials, like bricks and mortar, it is built with. It's a place full of memories, hope, and what's more your life is reflected, in pretty much every detail. Homeowners insurance often seems only important if/when you experience a loss/claim
If that ever happens, you should expect more than just a check from your insurance company. You'll want help along every step of the way, until you get your life back. No matter what it takes, we're your personal insurance advisor through it all.
Helping you get life back to order (whatever that means) with as few headaches, delays, or hassles.
Common Homeowners Insurance Questions:
- How much coverage do I need?
- How do I know what is covered?
- Are all the items in my property covered under my plan?
- What is the difference between Actual Cash Value (ACV) and Replacement Cost?
- How much of a deductible should I have?
- What are the sublimits of the policy and do I need to purchase an additional policy or “schedule” specific items?
- Is the property located in an area, where it would be advisable to carry flood insurance?
The answers to each of these questions are dependent on your personal situation. It is important to realize many factors go into choosing the correct amount coverage and consulting with a knowledgeable insurance professional is often the best way to ensure you and your future earnings are adequately covered.
Homeowners Insurance Quotes
When you consult with us, you can have confidence and peace of mind knowing we are dedicated to finding you the right coverage for your needs, at the right price. And because we’re an independent insurance agency, we have more flexibility, more carriers, and more markets to research so you get exactly what you need.
We can provide you with a homeowners’ insurance quote from multiple companies, working to get you the best value for your money.
Vacation & Investment Home Insurance
For those purchasing a vacation home or investment property, we are familiar with nuances of income-producing vacation or investment properties and understand how to structure coverage for these properties that keeps you covered.
Homeowners who are considering renting their home on a short-term basis through one or more of the online portals, should consult with their insurance advisor as a number of policies exclude coverage from “for profit” activities.
Additionally, those who plan on renting their primary or vacation home may find themselves needing the additional liability limits offered with a personal umbrella.
Home Remodeling Insurance
Have you been considering a substantive home improvement or remodeling project? Did you know that depending on the size of the project, you could be left with gaps in your current coverage?
Homeowners planning on hiring a general contractor or acting as their own general contractor, need to be aware of how the various phases of construction can impact them from a personal insurance standpoint.
Failure to ensure proper coverage before a project begins could leave you as homeowner in a precarious position including personal liability for a worker who was injured.
If you are planning a remodel give us a call at, 1-610-550-8573, and we can work with you to ensure you have the right coverage, throughout the entire project.
High Value Homeowners Insurance
For those who own a custom built or high value home, it is important to realize many normal insurance policies have limits that would limit your options. For this reason, it is important to work with an insurance professional who is familiar with the luxury insurance market.
We have extensive experience in working with homeowners who in addition to multiple high value homes, often own extensive art and jewelry collections. Creating a comprehensive insurance program to protect all these unique assets is what separates us from other agencies.
Our high value homeowners benefit from having a knowledgeable team that is familiar with their unique situation and that is capable of handling one’s comprehensive personal insurance needs including; multiple homes or investment properties, autos garaged in multiple locations, home-based businesses, high-limit personal liability and life insurance.
You’ve been steadily building wealth while focused on family and career, it's important to be sure you're adequately protected.
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Comparing Homeowners Insurance Rates For You
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Finding You The Best
Homeowners Insurance Coverage
We understand your home is way more than one of your greatest assets, it is also the center of your life. Protecting it, your family and more is our goal. We check over 25 companies to find the best coverage for you. Put us to work.
Homeowners Insurance for Dog Owners and More...
Understanding What's Covered By Pennsylvania (PA) Homeowners Insurance
Homeowners Basic Form (Form 1), covers damage due to the following:
Ensure Your Vacation Home Is Well Insured
Owning a vacation home is one of life's greatest pleasures. Whether it is in the mountains or the beach, the important thing is that you are well protected.
We work to ensure your vacation home is completely protected alongside everything else, you own and have worked for.
You shouldn't need another to complicate your life, to enjoy a vacation home. Enjoy a seamless transition into the rest of your personal risk management plan.
Understanding Home Owners Insurance
Covers risk of direct loss to physical property except with certain specified exclusions, such as earthquake and flood, for damage to or loss of the home (dwelling) or other structures such as a garage; all perils covered by Form 2 for damage to or loss of personal property (damage to contents); and personal liability. Form 3 is more comprehensive and offers more protection than Form 2.