Home Insurance
In the event of unexpected damage to your home or personal property, home insurance will protect you. Home insurance also includes liability protection that protects your assets against lawsuits if you are liable for property damage or injuries. We offer home insurance here at The K V Agency in Pennsylvania.
Home Insurance Requirements
Homeowners in the state of Pennsylvania are not legally required to purchase home insurance. But, mortgage lenders can require homeowners to purchase a policy.
Home Insurance Coverage
If you don't have home insurance, you will need to take care of any loss out of your own pocket. Here is what home insurance covers:
- Dwelling:This covers the costs to repair or rebuild your home and permanently attached structures such as a garage.
- Other structures: This covers the costs to repair or rebuild any structures on your property that aren't permanently attached, such as a fence, shed, detached garage, or mailboxes.
- Personal property: If any of your personal items are damaged or stolen, such as your electronics, furniture, appliances, sports equipment, or clothing, this will cover the costs to repair or replace them.
- Loss of use: If you are temporarily unable to reside in your home, this will cover your hotel stays, rentals, meals, and other expenses you need.
- Medical payments: This covers medical expenses for visitors injured while on your property, regardless of who caused the accident.
- Personal liability: This covers your visitors' medical expenses and legal fees if you are found liable for an accident that occurred on your property.
Quotes
To receive a home insurance quote, call The K V Agency today. We are located and serve all residents in Pennsylvania. Let our agents assist you in finding the perfect policy to match your needs.