Home Insurance
One of the best steps that homeowners can take to minimize the risk of financial loss related to their property is to invest in a homeowners insurance policy. This property policy is designed to benefit all homeowners by insuring against liability risks, property damage, the loss of personal property inside the home, and more. Before you purchase a policy for your home, take the time to learn more about the need and benefits for coverage.
Your mortgage lender usually requires home insurance, but even those who own their property free and clear will benefit from buying a policy. A policy typically covers the full replacement cost to rebuild a destroyed home from the ground up in the event of a total loss scenario. However, because the land cannot be destroyed, these policies usually only ensure the cost to rebuild the home itself rather than the full property value. A Fire, flood, and other various issues can result in this type of devastating event. A policy may also pay to replace the contents inside the home, such as furnishings and clothes, as well as a replacement home while the current home is being repaired or rebuilt after damage.
Homeowners may also be at risk related to liability. For example, someone could trip on a garden hose as they walk up to your door and break a few bones. The homeowner may be held liable for medical expenses, lost wages, and more for the injured party. The home insurance policy may pay for these costs as well as legal fees. Any time a claim is filed, the homeowner may only need to be the deductible, and insurance may pay most or all of the remaining expenses.
As you can see, a homeowner faces the risk of considerable financial loss related to a wide range of events. Many of these unforeseen circumstances, such as natural weather damaging the home, cannot be prevented and are outside of the homeowner’s control. Because you cannot predict when an issue will occur or how severe it is, it makes sense for all homeowners to purchase coverage on their homes.
Other Policies
Step in with confidence.
For protection that always fits!
If you want to go far, here is where you start.
Let the journey begin!
115 Fairfield St.
Newville, PA 17241
165 E. Washington St.
Chambersburg, PA 17201
644 Lincoln Way E.
McConnellsburg, PA 17233
