Home Insurance in Pennsylvania
Home insurance is not required by the state, but a lender may require you to have home insurance as part of your mortgage agreement. Home insurance can cover a number of different things and it helps to work with an agent at Patrick McNealis Insurance and Financial Group to find the right policy to cover not only your home structure but also your belongings.
What Does Home Insurance Cover in Pennsylvania?
There are different basic homeowner’s insurance coverage options that almost every policy will cover. Since every home and policy is different you always need to check with your agent.
Dwelling: It helps protect the structure of your home, built-in appliances, and carpet from damage.
Other Structures: This coverage protects extra structures that aren’t attached to your home such as a fence, barn, gazebo, or detached garage.
Contents: This protects your personal property that isn’t built-in or attached to your home such as clothing or furniture. Check your coverage limits and get extra protection for your valuable items.
Loss of Use: This coverage pays for additional living expenses if you aren’t able to live in the home because of a covered loss.
Personal Liability: If there is an accident at your home that injures someone, or you or a family member causes damage to someone else’s property, then this coverage will help pay for the damages.
Medical Payments Coverage: This can help pay for medical expenses for someone who is injured at your property.
Optional Coverage Options
Your home insurance can do more than just protect your home and your belongings in Shavertown, PA, Emmaus, PA, and Bethlehem, PA. Credit card coverage can pay up to your limit for unauthorized transactions on your debit and credit cards. Identity theft coverage helps keep your personal data secure. Water backup insurance extends coverage to you if water backs up through your drains or sewer.
Contact Patrick McNealis Insurance and Financial Group, serving Emmaus, PA, Shavertown, PA, and Bethlehem, PA, to get a quote on home insurance.