The state does not require that you have home insurance but your lender may require it. Depending on the location, you may be required to also have flood insurance. An agent at Weber Insurance can help determine what kind of coverage is necessary for your home based on your location in Hanover, PA. Home insurance covers a variety of different things in order to protect your investment and can be customized to meet your needs. Even if you are paying cash on your home or own it outright, it’s valuable to have.
A standard policy in Hanover, PA has coverage to rebuild or repair your home following damage from fire, smoke, a weather event such as wind or hail, theft, or vandalism. If there is enough damage to the home that it is not livable then standard coverage also provides for meals and alternate lodging while repairs are being done. Standard policies typically cover cooling and heating systems, furniture, clothing, appliances, and other belongings in the home that are damaged by one of the covered perils. Liability coverage and guest medical insurance are other benefits in order to financially protect you in case someone is injured on your property. Many policies also include coverage for permanent structures such as sheds, garages, or swimming pools. There are some coverages that aren’t included in a standard policy, such as floods. Water damage from a sewer backup or a failed sump pump is also not typically covered with a standard policy or with optional coverage. If you have a trampoline or swimming pool on your property then it’s a good idea to get extra liability coverage. Jewelry, expensive artwork, collectibles, or antiques may exceed the limits of a standard policy and you should also have additional coverage for these. Your agent can help you determine which additional coverage is needed to protect things not covered in a standard policy.
Contact Weber Insurance to get a quote on home insurance.