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.

Personal Insurance for Active Families

3 Reasons To Have Your Homeowners Insurance Reviewed

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    You may require more or less coverage than your friends and neighbors.
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    Coverage is provided for landscaping, breakage of fragile items, and damage caused by domestic pets
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    Simplify your insurance portfolio if you also own a vacation or investment home, even if they are outside Pennsylvania.

Comparing Homeowners Insurance Rates For You

How Much Time Do You Want To Save? 
Have All These Insurance Companies Checked For You?

Ace

Allied

American Modern

Chubb

Encompass

Foremost

GMAC

Grange

Hagerty

The Hartford

Kemper

Main Street

MAPFRE

Nationwide

National General

Progressive

Safeco

Titan

Travelers

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.

See How Much You Can Save

Homeowners Insurance for Dog Owners and More...

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    Multiple Autos
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    Small Business
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    Motorcycle
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    Boats (Sail/Power)
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    Condo
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    Excess Liability (Umbrella)
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    Personal Watercraft
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    RV's
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    Classic Cars

Understanding What's Covered By Pennsylvania (PA) Homeowners Insurance

Homeowners Basic Form (Form 1), covers damage due to the following:
  • Windstorm or Hail 
  • Vandalism (Malicious Mischief) 
  • Theft 
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    Damage Incurred  From Vehicles and/or Aircraft
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    Explosion
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    Riot or Civil Commotion
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    Glass Breakage 
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    Smoke (Damage)
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    Volcanic Eruption
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    Personal Liability (Perhaps, the most important)

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

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    Coverage A: Damage to House

    Covers damage to the house. The face amount of the policy (for example $100,000) is the most you will receive if your house is totally destroyed.

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    Coverage B: Other Structures

    Covers damage to other structures or buildings, such as a detached garage, work shed, or fencing.

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    Coverage C: Personal Property

    Covers damage to, or loss of personal property. Personal property includes household contents and other personal belongings used, owned or worn by you and your family.

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    Coverage D: Additional Living Expense

    ​​Covers additional living expenses when incurred. This means that the policy covers the necessary living expenses up to the stated limit, incurred by the insured to continue, as nearly as possible, the normal standard of living when the house cannot be occupied due to a covered loss.

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    Coverage E: Comprehensive Personal Liability
    Covers personal liability. This coverage protects you against claims arising from accidents to others on property that you own or rent. With a few exceptions, such as auto or boating accidents, it is an all purpose liability policy that follows you wherever you go.
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    Coverage F: Medical ExpenseCovers medical expenses.

    Coverage is limited to an amount per person and per accident for injuries occurring on your premises to persons other than an insured, or elsewhere, if caused by you, a member of your family, or your pets. An important feature of this coverage is that payment is made regardless of legal liability.

Increased Homeowners Insurance Coverage - Homeowners Broad Form (HO-2)

Covers damage due to perils listed in  HO-1, plus:

  • Building collapse
  • Freezing of or accidental discharge of water or steam from internal plumbing, heating, air-conditioning systems or domestic appliances
  • Falling objects
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    Weight of ice
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    Snow or sleet
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    Rupture or bursting of steam or hot water heating systems
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    Personal Liability

Open-Peril Coverage

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.

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