Home Insurance
When a person buys a home, they are more than likely required or recommended to purchase homeowner's insurance. Homeowners have different types of coverage, and different states have different rules and requirements. In the state of Pennsylvania, it is not required to have homeowner's insurance. However, most lenders require it to get a mortgage. To get a quote, contact us here at Tobash Insurance Agencies.
Most standard homeowner insurance packages include the following coverage
- Dwelling/structure of the home - This consists of the walls, floors, ceiling, roof, pipes, etc. Anything that is part of the structure and building of the house is included in this.
- Personal property - This includes anything that belongs to you, whether inside your home or something that happens outside of the house. This includes furniture, appliances, jewelry, sentimental items, etc.
- Other structures - These are structures outside of the home but still on the property, such as fences, driveway, shed, garage, etc.
- Liability protection - This protects you if someone gets hurt or something happens to their belongings on your property.
- Guest medical protection - This pays for medical bills from someone getting hurt on your property.
- Additional living expenses - This is for if your dwelling is damaged and you need somewhere to go. It can help pay for temporary living expenses such as a hotel room, food, and other necessities.
Factors for Cost of Insurance
The average amount most people pay in Pennsylvania is approximately 43 percent lower than the national average. Several factors determine what a person might pay for their homeowner's insurance:
- Location
- Age of the dwelling/home
- Protective devices such as fire alarms, cameras, security alarms, etc.
- Amount of Insurance
- Deductible
- Add-ons
- Claims history
There are many different companies to get insurance from. Please stop by or call us at Tobash Insurance Agencies to get a quote for your homeowner coverage needs.
