Home Insurance in Pennsylvania
Asset Planning Insurance Group, LLC in Johnstown, PA offers insurance for traditional homes, townhouses, and other residential structures in Pennsylvania. Our firm also has a variety of supplemental insurance options that provide additional peace of mind.
Does Pennsylvania Law Require Homeowners Insurance?
Although coverage is not mandatory for Pennsylvania properties, lenders and financial institutions may require that you insure your property at a level that covers at least the amount of the mortgage.
What Does Homeowners Insurance Cover?
Your policy is a legally-binding document between you and an insurance provider that financially protects you from perils that may damage or destroy your home and possessions. The policy also assumes some level of liability if anyone is injured on the property or within your residence. Homeowners policies in Pennsylvania offer:
- Personal Property coverage that offers reimbursement for damages to the structure, fixtures, and contents within, as well as from theft.
- Personal Liability coverage that offers protection to you and certain members of your household if they are judged to be guilty of causing injury or damage.
Some policies also offer additional levels of coverage for other structures on the parcel.
Are There Any Exclusions?
Most policies have exclusions and limitations, such as a maximum amount that the policy will pay for an event. Be sure to consider your needs carefully before purchasing a policy. We may be able to offer supplemental coverages that reimburse you for Loss of Use, Medical Payments, or other incidents. Our agents are familiar with the various supplemental forms available.
As you consider your coverage needs, please talk with us about your circumstances so we can find the best policy possible.
Based in Johnstown, PA, Asset Planning Insurance Group, LLC provides a variety of coverage options for homeowner, auto, and commercial insurance. You do not have to use the agent recommended by your lender. We offer an online rating tool that allows you to get an estimate of insurance coverage costs. Contact us today so we can analyze your needs.