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What is homeowners insurance? An insurance policy for your home normally has at the very minimum fire and casualty coverages – that’s dwelling (property) and valuables coverage for the value (and valuables) of your home/property. It covers the cost of replacing part or all of the property that was damaged through fire or some casualty (through no negligence of you or anyone living there at the time). With a coverage limit based on what is stated in the policy. Higher coverage limits normally cost more money. There are additional coverages such as flood, earthquake and other local specific coverages that can be obtained. Our agents are well versed in the nuances of home owners insurance in the Allentown, PA area. What about Renters and Condo insurance? Condo owners insurance essentially the same as homeowners insurance. There are some differences since there are some factors at play such as Home Owners Associations (HOA’s) and they also carry insurance, but in essence, getting insurance for your condo is comparable (maybe less expensive in some areas) to home owners insurance. A cousin to homeowners (or condo owners) insurance is Renters insurance – this is an increasingly popular policy among people renting. The Great Recession may have been a catalyst as more people resorted to renting rather than buying, but there is data that shows that millennials prefer to rent rather than make a larger investment of their time and money in a home/mortgage. Renters insurance typically covers the valuables in the renter’s apartment/condo/home. The primary insured is the person/s renting the home and the estimated value of their property in the rental unit. It normally covers fire and casualty damage, but there are some additional coverages available in some areas like theft coverage, jewelry/valuables, etc. To learn more from our experts in the Allentown, PA and surrounding areas, get in touch with us. What are the common exclusions on a homeowner’s insurance policy? In general, negligence is not covered by any type of insurance policy – but here are some common exclusions for the home owner to be aware of - Earthquake Insurance (including ground movements, sinkholes, etc)- in earthquake states you are explicitly asked to sign an earthquake insurance waiver. Alternatively you can get earthquake insurance (normally from a different insurer) Flood damage – the typical home insurance policy does not cover flood damage – you will need a separate flood insurance policy for that. Mold damage is normally covered only if you had a recent plumbing leak and you take action quickly. Infestations – insect and vermin infestation (pests) are not covered. Dangerous Dogs – you are asked about your pets when applying for a home insurance policy specifically because many carriers do not cover a situation where your dog bites a neighbor. In fact, you may not get coverage if you have a dangerous dog; or you may pay a higher premium. Dog bite insurance claims are well over a quarter of all home insurance claims, so insurers are increasingly careful about insuring dangerous pet owners. To learn more from our experts in the Allentown, PA and surrounding areas, get in touch with us.

...nsive – this covers damages and replacement due to being stolen, fire or water...

...nsive – this covers damages and replacement due to being stolen, fire or water...

...tically included Guaranteed Replacement Cost valuation Covers defense ...