Homeowners
This package insures:
- Your home and any attached Structures.
- Other structures at your premises that are separate from the dwelling.
- Loss of use that covers the additional living expenses you incur due to temporary relocation.
- Personal Liability for personal injury, including bodily injury or property damage claims brought against you anywhere in the world.
- Medical payments to others who are in an accident arising from your premises or personal activities.
Automobile
Auto Insurance is needed to:
- Protect a major, valuable asset (an automobile) of an individual
- Protect an individual’s assets form loss resulting from legal obligations arising from the negligent use or operation of an automobile
- Assist in payment of medical bills for bodily injury as a result of the operation of an automobile
*Every motor vehicle in Pennsylvania which is required to be registered, and which is operated or currently registered must be insured!
Personal Umbrella
Unexpected accidents that cause an excessive amount of damage occur more than you think. This package offers a more broad coverage and higher liability in case you are found at fault in such an event.
Dwelling
A dwelling policy is basically used when:
- The residence to be insured is not eligible for a Homeowners Policy because of homeowners eligibility rules (i.e. tenant occupied dwelling).
- The house is over 30 years old or has a value of less than $40,000.
- An insured does not want the broad coverage found in a Homeowners Policy because the insured believes it is too expensive.
Flood
A flood is defined as a temporary condition of partial or complete inundation of normally dry land areas from overflow of inland or tidal waters, the unusual and rapid accumulation or run off of surface water from any source, or mudslides by flooding. Flood insurance covers damage to a building, including foundation, posts, pilings, piers, or other support systems for elevated buildings. Your homeowner policy does not cover flood damage. The only guaranteed flood insurance coverage available for your home is Federal Flood Insurance purchased through your insurance agent or company.
Renters
Renters insurance protects your personal property at home and away from home against the following hazards: fire, smoke or lightning, burglary or vandalism, riot or civil commotion, explosion or electrical surge damage, windstorm or hail, falling objects and other hazards detailed in your policy. Your landlord is not responsible for your contents.
Recreational Vehicle
Recreational Vehicle (RV) insurance provides coverage in the event of loss or damage for your motor home, camper, vacation trailer, fifth wheel or tent trailer. RV insurance protects you financially in case you are involved in a collision. Having the right insurance covers you if you are legally responsible for a collision that injures another person or damages their property. We can also provide insurance for your motorcycle, snowmobile, boat, ATV and other recreational vehicles. Please call us for a free, no obligation quote.
Please contact our staff to answer any questions or for a free quote on any coverage that you need!
