Explore the early Americana of York. Breathe in the sweet chocolate aroma of cocoa beans in Hershey. Witness the beautiful rolling hills of Lancaster. Enjoy a city-feel in the heart of capital city Harrisburg. Central Pennsylvania offers a lifestyle for everyone. If you decided to live and buy a property in the Keystone State, you should understand how important home insurance for your house is. It protects your home, all the belongings, and you as an owner. It will cover you in the event of theft, natural disasters, fire, water damage, and other unpredictable situations. For those who are thinking of getting a home insurance policy, Peiffer Insurance has prepared a list of things you should know:
- In general, home insurance covers destruction and damage to a residence's exterior and interior, personal liability of an owner for harm to others, and theft or loss of personal belongings.
- There are certain factors that affect your homeowners' insurance rate, including the construction type (what materials were used), location, age of the house, replacement cost (the cost to fully rebuild the house), the deductible, and the type of coverage you decide to choose.
- Home insurance has its limits, meaning that there is a certain maximum amount that it will pay. Therefore, if you have really expensive things in the house (jewelry or pieces of art), it is important to get additional coverage for them.
- Flood damage is usually not covered by standard home insurance. If you live in an area that is prone to floods, you need to purchase an additional type of insurance to protect your property - flood insurance.
If you have purchased a home in the state of Pennsylvania, and you want to protect your precious possession, home insurance is exactly what you need. If you are currently looking for a perfect policy for your residence, Peiffer Insurance is here to help. Our experienced agents are always ready to answer all the questions and provide the information you may need. All you need to do is to visit our website and give us a call.