Home Insurance in Erie, PA

What You Need to Know About Getting Homeowners Insurance Coverage

If you're moving to Erie, Pennsylvania, you're probably focused on securing a job in Northwestern Pennsylvania and finding a house in Fairview, Avonia, Edinboro, or another popular neighborhood. Getting homeowners insurance in Erie PA for your house on 38th Street or Greengarden Boulevard should also be at the top of your priority list, though. Here's what you need to know about applying for homeowners insurance through one of our VIU by HUB brokers.

Your Insurance Policy Covers Property Destruction

Even if you don't live on Old Lake Road, Shore Drive, or another street that overlooks Lake Erie, you could experience severe weather because of the lake. Homeowners insurance in Erie Pennsylvania helps cover damages if strong lake winds send a tree into your house or rip the shingles off your roof. Also, while Erie isn't on the Atlantic Ocean, it still experiences occasional hurricanes, so you need insurance in case your neighborhood gets particularly fierce storms.

You Can Customize Your Policy

Because every homeowners situation is different, our brokers customize your policy based on your needs. If your house is near the busy shopping center off Route 5 and you want extra protection in case a customer damages your property, you can boost your coverage. If your property includes stand-alone sheds or you build a guest cottage, you can add these buildings to your homeowners insurance in Erie PA. Whether you're living on 12th Street or Monaca Drive, your policy fits your family.

Consider customizing your homeowners insurance by adding flood insurance if your current policy does not include it. Generally, this insurance helps repair anything directly damaged by a flood, such as ruined carpets, moldy walls, and possessions swept away by the water. Lake Erie is the smallest Great Lake, but in the past few years, its level has risen and floods have become more common. Even if you're pretty far from the shore, it would be hard to cover all your water damage repairs after a big flood.

Your Possessions Are Included

Homeowners insurance coverage doesn't just keep your building safe; it also protects what's inside. If your belongings are stolen while you're on vacation or if something gets broken during a storm, your insurance policy helps replace it. Your policy may have limits, though, so if you have expensive jewelry, instruments, or artwork, consider increasing your premiums to get these items fully covered.

You Receive Liability Coverage

When you invite people onto your personal property, you're responsible for making sure they stay safe and healthy. If people trip on gardening equipment in your backyard or break their legs slipping in your house, you may be liable for their hospital bills. When situations like these happen, your homeowners insurance in Erie PA steps in with liability protection. This coverage takes care of the medical and repair bills and keeps you from getting sued.

You Can Get Help With Added Living Costs

If robbers break into your house and make it unsafe to live in or if a hurricane demolishes your roof, you need to stay in a hotel for a few days until repairs are finished. Not only does your homeowners insurance in Erie PA assist with the construction costs, but it also helps you pay for your hotel and food. That way, you don't need to choose between staying in an unsafe environment and protecting your budget.

This information is intended for general informational purposes only and is not intended to constitute legal advice.