Do I need to buy homeowners insurance for my Pennsylvania home?

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.

 

3 Reasons Why Harrisburg, PA Residents Should Review Their Auto Insurance Annually With Henderson Insurance Agency

A Harrisburg, PA resident will have their vehicle inspected each year. However, these same inspections must take place when it comes to our auto insurance policies. Henderson Insurance Agency is here to provide a closer look at the three reasons why this step is such an important one…

Situational Changes

Those who reside in Harrisburg, PA are not going to exist within the same situations in perpetuity. That is why an auto insurance policy must be treated as a living, breathing thing. If the policy is not up to date, this can lead to some serious long term issues. Even something as simple as a change in address needs to be reported to your policy provider as soon as possible. Otherwise, simple correspondences could be neglected. 

Learning More About Discounts

Are you currently receiving all of the discounts that could be coming your way? Henderson Insurance Agency’s experienced team is able to review the policy on a yearly basis and they have the ability to ensure the necessary savings. Even if you are under the belief that all of your discounts have been found already, there could be changes to your current situation that allow for an even greater level of savings. 

New Services 

Auto insurance plans do not remain static over the course of time. There are going to be new features and services that are added along the way. The only way to find out about these changes (and how they can affect your current auto insurance policy) is by scheduling an annual meeting. New features can be added to current policies whenever the client is willing to schedule an appointment. 

At Henderson Insurance Agency, we are here to assist Harrisburg, PA residents who are looking to conduct an annual auto insurance review. Give us a call today to find out more. 

Insurance for protection from severe weather

Residents of the Harrisburg, PA area know that servere weather is possible, especially during harsh winters that can include large amounts of ice and snow. Accumulations of precipitation can cause damage to a home’s roof, denting in cars, or damages to any number of objects from slipping and sliding on ice. The state of Pennsylvania also provides information about flood insurance, which is a separate category of policy that may be necessary depending on your personal location. Floods can be the most devastating kind of severe weather due to their ability to completely destroy a home and surrounding property. FEMA also provides information about flood zones and flood insurance, along with ways to get assistance after a natural disaster. This coverage is not only for home owners, as renters and tenants can also purchase flood insurance to protect their assets. These kinds of threats make it clear that sufficient coverage is one of the most important aspects of owning or renting a home. Preparation for incidents is always better than waiting until after a disaster has occured, when all the expenses may fall onto the homeowner if their coverage was missing or insufficient. 

If you are in the Harrisburg, PA area and concerned that your home or other property may not be adequately protected from damages due to the weather, please contact Henderson Insurance Agency. Qualified individuals who are familiar with these local conditions and the state’s regulations are available to speak with you and provide customized solutions for your home, automobiles, or any other property at risk. Henderson Insurance Agency is ready and waiting to help protect you through great insurance. 

Home Insurance Coverage Options

Purchasing a home is probably the biggest investment you can make in your life, and the last thing you want is for an unfortunate event such as fire, burglary, or vandalism to destroy your home. You need quality home insurance coverage with Henderson Insurance Agency to protect what you’ve worked so hard to acquire. The high cost of living can make it difficult to recover from certain losses, but home insurance can provide the financial support needed to restore your home back to its original, beautiful state. Understanding the following types of coverage options on your Harrisburg, PA home can help you determine exactly what’s protected by your policy.

Dwelling

Dwelling coverage protects your home’s structure, including built-in appliances, walls, roof, and wall-to-wall carpets. It typically pays to have your home repaired or rebuild if it’s damaged or destroyed by a covered loss.

Other structures

This coverage protects the physical structures on your property that are not attached to the house, like the shed, detached garage, fence, and barn.

Personal Property

Personal property coverage protects your belongings inside the home, which includes furniture, clothing, electronics, jewelry, and much more. This coverage replaces these contents in case they are lost, stolen, or damaged in a covered event.

Liability Protection

You or any of your family members can cause an accident in your home that injures someone or damages someone’s property. Liability coverage protects you against costly personal lawsuits.

Additional Living Expenses

Sometimes a covered event can make your home inhabitable, which would require you to get a temporary residence. This coverage caters for the additional living expenses while your home is being rebuilt or repaired.

At Henderson Insurance Agency, we understand that home insurance is not a one-size-fits-all solution. That’s why our knowledgeable agents will work with you to determine what coverage options suit your Harrisburg, PA home. For more information, contact us today!

Filling in the Gaps of Your Home Insurance Policy

Home insurance can cover practically everything in your home under practically every event, or it may just cover the structure under certain circumstances. Every homeowner should know about their policy, so they’re as informed as possible should something happen. Filling in the gaps of your home insurance will be different for everyone of course because everyone has different priorities. Here are a few things you may not have considered from your friends at Henderson Insurance Agency. 

Key Questions to Ask 

If you’ve owned your home for several years, it’s common to start amassing a lot of things inside of it. Even the odd expensive gift or purchase, like a pair of diamond earrings or a watch, can add up quickly. If you haven’t updated your coverage for a while, you may find yourself unable to replace these valuable things because you’ve exceeded your limits without even realizing it.

However, it’s not just what’s inside the house that counts. There’s also any type of home improvement you’ve done, such as new tiling in the kitchen or nice bathroom fixtures for your guests. These things can easily be damaged by a vandal or a terrible storm. Also, there are things around your house worth protecting as well. Whether it’s a storage facility located on your property that houses your tools or expensive shrubs you bought for your garden, you have to ask yourself what you want to protect the most for your Harrisburg, PA home. 

Henderson Insurance Agency can make it easier for you to understand what will be most beneficial for you to cover. We’re here to provide you with answers without using fear tactics. It’s our pleasure to serve the people of Harrisburg, PA, and we invite you to call today!

Does My Homeowner’s Insurance Cover Kids Who Come Over To Play?

The general answer is yes, but as with most rules, there are always exceptions. Cause and the circumstances behind the injury may make a difference in how your insurance company handles the case. Injuries that occur due to normal play in the house will more than likely to be covered if it is determined you are legally liable for those injuries. Outside play and injuries caused by animals are where things can get a bit sticky.

Outdoor Play Equipment

If you have a trampoline or swimming pool, it is best to speak to your agent at Henderson Insurance Agency in Harrisburg, PA about coverage and limitations before an accident happens. Some insurance companies have strict policies in place that will not cover trampolines at all. In that case, you will be totally responsible if a judge finds you legally responsible. Other agencies provide coverage with safety precautions in place. These precautions can come in the form of gated fences, nets, and spring covers. It’s amazing how many injuries can be prevented by surrounding a trampoline or pool with an enclosure.  You may be lucky enough to have a policy with no exclusions. In that case, your regular homeowner’s policy should cover an accidental injury. The only way to know for sure is to discuss your insurance companies’ policies and coverage.

Pets

Injuries caused by your pets may be covered, especially if your pet has no history of aggressive behavior that has caused injury in the past. Another protected area deals with injuries that occur when someone trespasses on your property or provokes your pets. Be sure you follow state licensing law for dogs. Any dog over 3 months of age must be licensed by January 1st each year. Any dog that is deemed dangerous by the courts must be contained according to guidelines. Protect your guests, your home, and your pets by using good judgment when kids come over to play.

If you are in the Harrisburg, PA area, contact the team at Henderson Insurance Agency to discuss the specifics of your home insurance policy. When it comes to kids, it is best to be safe rather than sorry. 

 

Should You Upgrade Your Home Insurance?

Home insurance is something that every responsible homeowner should have but for many, knowing when to upgrade or change your policy can be difficult. There are some tips and tricks, however, to help you determine if upgrading your coverage is a must or not. For those in the Harrisburg, PA area, the agents with Henderson Insurance Agency can help you find the policy that is right for you.

The first tip is to take stock of any changes you have made to your home. Have you added more expensive contents like a big screen tv or new appliances? If you have, you might want to add more contents coverage. Have you upgraded rooms or added rooms to your home? If you answered yes, again you might want to upgrade coverage. In most cases, any upgrade or positive change that helps to increase the value of your home is going to make an upgrade necessary.

If you have not made any changes to your home and your circumstances have not changed at all, it might be helpful to look over your policy and see if you need to increase coverage or not. Your agent can help you through this process. The real issue when it comes to upgrading coverage is that the cost of materials and the cost of labor both alternate with the industry and with the economy. When the economy is up, rebuilding costs more and when it is down, it costs less. It is for this reason that you might need to upgrade coverage even if you have not made any improvements to your home.

If you have any questions, as always, it is best to talk with an agent that is experienced in what homeowners need to keep their home protected. In the Harrisburg, PA area, the agents with Henderson Insurance Agency can help.  

Tips For Buying Your Teen’s First Car

That time has come, perhaps the time you have been secretly dreading: Buying your teen’s first car. Whether they’ve been saving up themselves, or whether you are footing the bill or a combination of the two, buying that first car is a huge milestone in your family’s life. It means that your teen is becoming independent and more self-sufficient.

It’s also a time where there may be clear differences in what they want versus what you want for them. You want something safe and reliable and economical; they want something that looks cool and has a good stereo. This can cause some arguments and struggles, but in the end, you can both be happy. Here are some tips to help you choose your teen’s first car:

Safety First

This is probably the biggest concern for a parent. Is the car safe? You can do a little searching to find out how the car is rated and what the history is of that make and model of car. Does it have good ratings? Are there any issues that tend to come up with that type of car? Have there been recalls or other fluke things that seem to go wrong often? Also, you’ll want to check the individual car itself. A CarFax can help ensure that the car has never been in a previous accident. Check tires, brakes, lights, etc. Have it thoroughly inspected.

Reliability

You want a car that is going to be reliable for your teen, not break down after a year or two. It’s also important to educate your teen about what is involved with owning a car. Talk to them about oil changes and other maintenance to help their car last longer and perform better. Again, getting a CarFax or maintenance records can help you determine if the car has been well taken care of.

Let’s Talk About Money

Talk to your teen about the money involved in owning the car. Let them know it’s not just about the sticker price of the car. How is the fuel economy? Is it a car that is typically expensive to get parts for? When you talk to your Henderson Insurance Agency, find out if the car is expensive to insure. In many cases, the make and model of the car factors into how much monthly insurance premiums cost. When shopping for cars in Harrisburg, PA, you’ll want to take all these things into consideration.

Common Myths about Home Insurance

Whether living in Harrisburg, PA or other places within the US,  there are various common myths about home insurance. And even though each state has their guidelines for home insurance coverage options, people all over the country have the same misconceptions concerning what their home insurance coverage will cover. Having said that, the following are common myths that are really important to know when it comes to home insurance:

  1. Replacement cost- it’s vital to know the details of how much the insurance will cover for losses.
  2. Loss of use coverage- some coverage won’t pay for lodging/food while the home is being repaired, or the coverage amount and time may be limited.
  3. Insurance coverage must be lowered, to lower the insurance premium.
  4. Flood coverage- floods are not covered and must be purchased.
  5. Premium costs raise every time a claim is filed.
  6. Termites- sometimes, termites are not covered in some home insurance coverage.
  7. All valuables are covered through home insurance- it’s sometimes assumed that medicine and expensive items, like jewelry, are covered.
  8. Valuation of loss- sometimes coverage is limited to a certain amount.
  9. In the case of injury, medical costs are covered.
  10. It’s a waste of time in making an inventory list- it’s vital in case you can’t recall all that is lost due to a calamity.

Conclusion

If living in Harrisburg, PA or various areas in Pennsylvania, it’s crucial to contact trustworthy insurance experts within that area to assist you with your home insurance, flood,  add-ons, and other insurance needs for adequate coverage. One thing for sure, you don’t want to think something is covered after a calamity, just to find out otherwise. That type of situation could leave you in dire financial straights.

Contact Henderson Insurance Agency today. Their insurance agents have been experts in this field for Harrisburg, PA and surrounding areas for several years.  With them, you are in trusted hands, and you will have peace of mind in knowing that you are adequately covered when the unpredictable erupts.

When to Buy Auto Insurance

When it comes to keeping your car street legal, you need insurance. There are a few different times in which you need to purchase auto insurance and knowing when to buy your policy is going to help you quickly and easily get your car insured. For those in the Harrisburg, PA area, the agents with Henderson Insurance Agency can help.

You should first and foremost purchase auto insurance if you are buying a new car. Often, you can contact your insurance company on the day that you buy a new car and they can add the car to the policy before the sale is complete. You should always make sure that your car is insured prior to your attempting to drive it.

Another optimal time to buy insurance is when your coverage needs are changing. You should make sure that you keep your coverage up to date and that you keep the correct amount of coverage so that you can recover after an accident. Generally, it is a safe bet that you are going to need insurance no matter where you are and no matter what kind of car you are driving and having an agent around to help you determine what type and how much insurance you need can save you a great deal of time.

Auto insurance is something that all drivers are required by law to have no matter what so making sure your car is always insured is the best way to make sure you are going to be covered in the case of an accident. No matter your insurance needs, the agents with Henderson Insurance Agency in the Harrisburg, PA area can help you find the right policy for you each and every time so that you are both legal and safe.