Pennsylvania Homeowners Insurance Companies

Protecting your biggest asset is one of the most important steps you can take as a homeowner. Here are some important things to keep in mind while working with Pennsylvania homeowners insurance companies:

•    A customized insurance policy can minimize many of the risks you face as a homeowner.
•    Home insurance will give you peace of mind knowing there's help available if a fire, theft or other incident occurs at your home.
•    Finding the right insurance policy means taking a look at each of your options carefully and working with a home insurance provider like Plymouth Rock Assurance that will act as a trusted advisor along the way.

What Type of Home Insurance Is Required?

If you purchase a home with a mortgage, your lender will require that you maintain adequate home insurance. In most mortgage contracts, there is a clause requiring the property owner to maintain proper coverage at the value of the home until the loan is paid off in full. This helps protect the lender in a situation where the home is lost, such as in a fire. The funds from the policy are then used to repay the debt owed or to rebuild the home. It is important to note that what your mortgage lender requires will only cover the remainder of your loan, which is not the total value of your home. In order to rebuild, you’ll need additional coverage. Generally, all homeowners benefit from maintaining a comprehensive policy – one that can provide clear protections from common risks.

Property Insurance and Rebuilding Protection

At the heart of home insurance is property and asset coverage. It is wise to select enough value to cover the cost to rebuild the home if totally lost. At Plymouth Rock, our team will help you determine the appropriate amount of coverage for your needs.

Protect Assets in Your Home

Most insurance policies provide at least 50 percent of the value of property coverage to pay for lost contents in the home. This may include personal possessions, furniture and electronics. Take a look around your home. How much would it cost to replace each of these items if lost? A Plymouth Rock agent will help you with your estimate.

Liability Insurance

Another key component of home insurance is liability coverage. It protects you from claims made against you for negligence or injury to another person. This might include your dog biting a visitor or someone falling and becoming injured on your property. You can increase your liability coverage if you feel there is a need. Homeowners with a swimming pool, for example, have a higher liability risk than those that do not. This type of coverage protects you from someone else's bodily injury or property damage claims.

Plymouth Rock Assurance will ensure your policy protects you from risks. This includes fires, theft and vandalism. You may also wish to speak to an agent about the local flood zones. If you’re in a flood zone a separate flood insurance policy may be needed. At Plymouth Rock, our team works closely with you to ensure you have a comprehensive policy that matches the individual risks on your property. We're happy to offer competitively priced policies that match your individual budget goals. Contact us today for a home insurance quote or learn more about the home insurance discounts we offer.

Find out how easy it is to get a homeowners insurance policy from Plymouth Rock Assurance. Start your quote online, call 855-993-4470 or find a local agent near you.

Plymouth Rock Assurance is a marketing name used by a group of separate companies that write and manage property and casualty insurance in multiple states. Insurance in Pennsylvania is underwritten by Palisades Insurance Company, Palisades Property and Casualty Insurance Company and High Point Preferred Insurance Company.