Here at Kathy Barry Agency, LLC, we offer home insurance throughout the state of Pennsylvania. If you are financing your home, the lender will require you to purchase home insurance, and even if your home is not financed, it is always wise to protect the value of your home by purchasing home insurance. Here is what you need to know about home insurance.
What is Home Insurance?
Home insurance is designed to protect the structure of your home and the belongings you have stored inside from unexpected events. Home insurance covers your home and the belongings in the event of a fire, certain weather elements or from theft. Home insurance also protects you in case someone slips and falls or is injured in your home and goes to sue you. Ultimately, home insurance financially protects the investment you have made when purchasing your home.
What Should You Consider When Purchasing Home Insurance?
There are many elements that you need to carefully consider when purchasing home insurance. You need to pay close attention to what is covered and not covered by a particular policy, what the coverage levels are set at, and what the deductible is. Not every home insurance policy is the same. Paying close attention to each of these elements will help you select the policy best suited for you.
What Are Add-On Home Insurance Coverages?
Not every policy covers against every element that may be damaging to your home. For example, flooding is often precluded from most standard home insurance policies. Fortunately, you can purchase add-on coverages to help protect your home from elements that may not be included in your standard homeowner’s policy, ensuring your home is fully covered.
Are you ready to purchase home insurance in Pennsylvania? Then turn to Kathy Barry Agency, LLC. Give us a call today to learn more about our home insurance policies or to request a quote.