5 Important Questions To Ask Your Insurance Company Before Buying Home Insurance

5 Important Questions To Ask Your Insurance Company Before Buying Home Insurance

Home insurance protects a significant investment—your home. For that reason, you may want to have a little chat with your insurance company before settling down on the policy. Purchasing home insurance doesn’t have to be complicated; that’s why Henderson Insurance Agency has compiled a list of questions you should ask before buying home insurance.

Is home insurance mandatory in Harrisburg, PA?

The answer to this question is that ‘it depends’. You are not legally required to have home insurance unless you bought your home through a mortgage. Your lender will require you to carry an equal amount of insurance as your home value to help protect their investment.

How much home insurance do I need?

The amount of home insurance to buy generally depends on various factors such as the age of the house, the location of the house, the number of people living in that house, the construction materials used, and whether you have a swimming pool, trampoline, or home office.

Should I buy separate earthquake or flood insurance?

With so many flooding events across Harrisburg, PA, it’s critical to know whether your policy covers any natural disaster like floods. Most insurance companies recommend buying separate flood insurance as home insurance does not cover floods or any natural disaster.

Do I qualify for any discounts?

Your insurance company should offer different discounts based on the policy you buy. Some companies offer a discount when you bundle your policies like purchasing an auto, home, boat, and umbrella insurance at the same company. Others offer discounts if your home is considered safe—you have installed security systems, alarms, and other safety devices.

Now that floods are not covered, is water damage covered in my policy?

Yes. If floods do not directly cause water damage, you are eligible for compensation or replacement costs. For instance, if your tap or water pipe breaks down and water damages your carpeting, then home insurance should cover the cost of replacing the new carpet.

For more information about home insurance, visit or call Henderson Insurance Agency today!

A Guide about Home Insurance

When it comes to obtaining home insurance in Pennsylvania, it is vital to get an overview or guide about home insurance. That way, you can make better decisions in choosing adequate home insurance coverage for you. 

It is not mandatory for you to have homeowner insurance in the state of Pennsylvania. However, most lenders and banks will require it for at least your mortgage amount. Other than that, it is important to get home insurance to protect your personal property and your home. With home insurance, you may also be protected against lawsuits from someone who gets injured on your property. 

What are the Types of Homeowners’ Policies Available? 

Homeowners’ insurance policies typically have various coverage packages that provide protection from loss resulting from perils. There are some policies for condominium owners, single-family homeowners, and renters.

Various homeowner policies are referred to as ‘forms’. A reliable and proven insurance agent, such as Henderson Insurance Agency, will help guide you on which form and coverage packages are right for you. The following includes the names of the forms along with a brief description of what  each usually covers: 

  • Form 2– this is called a Homeowners Broad Form that covers the dwelling, personal property, medical payments, personal liability, and other structures, such as a shed or detached garage or shed.

  • Form 3– this is called the Broad Form policy that covers perils that are named in the policy. Any perils not listed are not covered. In a Broad Form policy, the peril not named is not covered. There is also the Homeowners Special Form (Form 3) that covers damage to structures, your dwelling, personal liability, personal property, and medical payments, and this form is unlike the broad form policy due to how it list perils it will not cover. 

  • Form 4- homeowner’s insurance that the landlord has will not cover your belongings. Referred to as renter’s insurance, this coverage is called the Contents Broad Form that offers protection against theft or damage of your personal property. This coverage is also good by protecting you if someone becomes injured due to your property.

  • Form 5- called the Homeowners Comprehensive Form, this offers wider coverage than you would get from forms 2 and 3 especially when it comes to your personal property.  
  • Form 6- with your renter’s insurance policy, you can request and get a specific amount of coverage that you need for a small premium. The Unit-Owners’ Form (form 6) is for those who own a condominium. 
  • Form 8- this form is called the Modified Coverage Form which is available for those who have an older home in which the rebuild cost is much higher than its market value. With this coverage, policyholders will get similar coverage to the broad form, but it is less coverage.  

For more information about home insurance, Henderson Insurance Agency is the one to turn to. Located in Harrisburg, PA, Henderson Insurance Agency has been providing insurance services for Harrisburg, PA, and surrounding areas for over 30 years now. Contact them today!

Three things to know about filing home insurance claims

If you’ve never filed a home insurance claim before, you might not be familiar with exactly how the procedure works. At Henderson Insurance Agency, we offer home insurance in Harrisburg, PA. We’re here to help you understand home insurance policies and meet your coverage needs.

The following are three things to know about filing home insurance claims. 

You start the process by getting in touch with your home insurance company.

After an incident occurs that caused damage to your home, you need to let your home insurance provider know.

Most home insurance providers allow policyholders to submit claims via the telephone. This is likely to be the fastest and easiest way to get your claim started. Otherwise, you might prefer to submit your claim online. In any case, you’ll need to contact your insurance provider to let them know what happened and to get the claim process started. 

You’ll need to document the damage in numerous ways.

Documenting damage is important in any home insurance claim. Depending on the situation, you may need to file a police report. This is especially important if the damage was caused due to theft or vandalism.

You also may want to photograph the damage and save any news or documents describing the event that caused the damage. 

Your insurance company will send an adjuster out to your property.

After your home insurance company gets your claim, they’ll send an adjuster out to your property. The adjuster will assess the damage and determine what the costs of the damage are. 

If you need to purchase home insurance in Harrisburg, PA, let us know. At Henderson Insurance Agency, we’ll be happy to hear from you. We can provide you with the information you need to find the right policy for your unique situation. Contact us to learn more. 

3 Ways Home Insurance Protects You for the Holidays

With Christmas just a few weeks away, you’re probably gearing up to celebrate with family and friends. In all your preparations, don’t forget to review your home insurance to ensure you’re protected against holiday mishaps that can ruin your festivities. Here’s how home insurance from Henderson Insurance Agency can protect your Harrisburg, PA home and family this holiday season.

Protects Your Dwelling

Pennsylvania winters can take a toll on a home. If a severe snowstorm damages your property during the holidays, dwelling coverage can help cover repair costs. Dwelling insurance protects you against accidental fires or other disasters that pose a risk to your Harrisburg PA home during the holidays.

Protects Your Goods

When families get together for the holidays, there’s always the risk of accidental damage to personal property. Left unsupervised, young children can wreak all kinds of havoc, resulting in damage to costly furniture or electronics. Property coverage protects your valuables against damage and theft so you don’t have to repair or replace these items out-of-pocket.  

Protects You Against Liability Claims

Liability insurance covers medical and property damage costs of guests who have accidents on your property. If a guest slips on a rug and hurts his back, your liability insurance will cover his medical costs. If your German Shepherd destroys a guest’s cellphone, liability insurance will cover replacement costs. Liability coverage can protect you against accidental food poisoning, kitchen burns when guests help with meal prep or children’s injuries from friendly sports games in the yard. If you’re sued for damages due to an accidental injury, liability insurance will help cover your legal costs.

For more information on the protection that home insurance provides, contact an agent from Henderson Insurance Agency in Harrisburg, PA. We’re here to meet all your home insurance needs.

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 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.


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.