Protect the Place Where Your Memories Are Made

Ensure Your Biggest Investments Are Properly Insured

Always Feel Right at home with the right protection

Home prices have increased over the last 27 months, have you had your coverage reviewed recently?

Protect your investment(s) with the right homeowners insurance.

Your home is more than bricks and mortar. It's full of memories and you're reflected in every detail. So if you experience a claim, you'll want more than a check from your insurer. You'll want your life back, and to rebuild without hassles, headaches, or delay

Homeowners insurance covers more than just fire. Most home insurance policies also include......{} 

Homeowners insurance covers more than just fire. Most home insurance policies also include......{} 

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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    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.

You'll Have All These Companies Checked For You

Without Having to Spend a Minute of Your Time



American Modern







The Hartford


Main Street



National General





How Much Time Do You Want To Save? 

In the unfortunate event of property damage, additional policy provisions are intended to facilitate the handling of your claim

Your home is not only one of your greatest assets, but the center of your life. And helping you protect it is important to us. While the EncompassOne® Policy protects your home, car and treasured possessions under one policy, we also offer three standalone homeowners insurance options, also referred to as Elite, Deluxe and Special. 

Our standalone homeowners products offer high limits and premium features, which other carriers may exclude. Some Encompass homeowners policy features are


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    Multiple Autos
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    Small Business
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    Boats (Sail/Power)
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    Excess Liability (Umbrella)
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    Personal Watercraft
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    Classic Cars

Understanding What Home Owners Insurance Covers


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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.