Pennsylvania Home Insurance

Coverage A protects your home’s physical structure, including attached fixtures like built-in appliances and systems. This type of coverage can help you rebuild your home completely after a catastrophic loss. Coverage for your home should be sufficient to cover the full cost to rebuild. Our agents assess your home’s specific construction details, including:

• Square footage and architectural features
• Construction materials and quality
• Local rebuilding costs in your Pennsylvania county
• Built-in systems requiring specialized replacement

This coverage extends to structures not attached to your home, such as:

• Detached garages and sheds
• Fences and retaining walls
• Driveways and walkways
• Swimming pools and pool houses

Pennsylvania homeowners typically receive Other Structures coverage equal to 10% of their dwelling coverage limit, though you can adjust this based on your property’s specific features.

Coverage C insures your personal possessions against theft or damage, typically at 50-70% of your dwelling coverage. Pennsylvania policies apply special limits to high-value items like:

• Jewelry (often limited to $1,500)
• Art and collectibles ($2,500)
• Cash and securities ($200)

For full protection, our agents can help you add scheduled personal property endorsements to fully cover valuable items beyond standard limits.

When covered damage makes your home uninhabitable, this coverage pays for temporary living expenses including:

• Hotel or rental housing costs
• Reasonable meal expenses
• Additional commuting costs
• Storage fees for undamaged property

Pennsylvania policies typically provide Loss of Use coverage equal to 20% of your dwelling limit, critical during repair or rebuilding periods.

If someone is injured on your property and sues you, liability coverage pays for legal defense costs regardless of fault. This coverage for damages includes court judgments up to policy limits and settlements negotiated by your insurer. Property and casualty insurance of this type is essential for protecting your assets.

We recommend homeowners in Pennsylvania carry at least $300,000 in liability protection, with higher coverage limits for substantial assets. This is one of the best ways to protect your home and financial future.

Medical payments coverage pays expenses for guests injured on your property, regardless of fault. This type of coverage typically covers emergency room visits, ambulance fees, surgical procedures, and hospital stays.

Most policies in Pennsylvania include $1,000 to $5,000 in medical payments coverage. The National Association of Insurance Commissioners recommends reviewing this coverage annually to ensure adequate protection.