Home Insurance in Pennsylvania

Whether living in Philadelphia, Pittsburg, or anywhere in between, you need to purchase home insurance to protect your home from fire, theft, damage, and natural disasters. Since you have invested thousands of dollars in your home, protecting your home through insurance is one of the best decisions you will ever make.

Fortunately, Pennsylvania homeowners can sit back and relax knowing that their home insurance needs are well taken care of. At Northeast Insurance Advisors LLC, situated in Easton, PA, we offer home insurance plans unique to your needs.

What affects home insurance rates?

Home insurance rates differ from one insurance company to another. However, the following factors have a say in your home insurance rate.

• Age of the house
• Presence of a swimming pool
• Location
• Type of coverage you opt for
• Type of construction materials

Types of home insurance

Your typical home insurance is likely to have one or more of the below options:

• Dwelling coverage: Protects your home and structures attached to it. Depending on the loss covered, your roofs, walls, floors, and air conditioning are covered in case of a loss.
• Personal property coverage: Protects personal stuff like furniture, electronics, and clothing in case of a loss.
• Liability protection: Protects you if someone gets injured within your premises or in case you damage someone’s property.
• Medical payments: Covers for medical expenses in case someone gets injured within your premises. For instance, if someone slips or falls in your swimming pool, this coverage may cater for their medical costs whether you are legally liable or not.
• Other structures: Protects detached structures like garages, gazebos, and swimming pool against fire, vandalism, and other risks.

While the above covers are essential, they may not give optimal coverage, especially if there are unique items in your home. As such, you might add special coverage for your garden, yard, and musical instruments.

Want more information about home insurance in Pennsylvania? Please get in touch with Northeast Insurance Advisors LLC situated in Easton, PA. Our specialists will be waiting to answer all your questions.