The answer to the question do I need to buy homeowners insurance for my Pennsylvania home is no, home insurance is not mandatory under the laws of the state. Your lender or mortgage holder, however, may require that you hold enough insurance to protect their investment. But what about your investment? For most people, the purchase of a home is the single largest purchase they ever make. Things happen that can damage that investment and if you don’t have home insurance you could find yourself homeless or in a very damaged home. Residents of the greater Harrisburg, PA area can feel confident making the correct decision after meeting with the friendly staff at Henderson Insurance Agency.
Homeowners insurance offers a variety of important protections for your home. If can help you to repair or rebuild if your home is damaged or destroyed by fire, theft, wind or lightning strikes. It also covers damage from heavy rain, snow or ice but not from the flooding that results. Water damage due to broken pipes or sewer backup should be covered. The coverage also extends to other buildings on your property such as a detached garage, casita, gazebo or deck.
A home policy will also cover your personal items but there are limits and deductibles. If you have expensive electronics, watches, jewelry, etc this will need additional coverage.
In the event that your home becomes uninhabitable due to a covered event, your insurance will pay for a place for you to stay until you can come home.
Homeowners insurance is important to your peace of mind. Why not give the expert agents at Henderson Insurance Agency in Harrisburg, PA a call for a no-obligation quote. You will be surprised at how affordable it can be to secure your investment.