Home Insurance in Harrisburg, PA

Insurance Solutions for Harrisburg Homeowners

The capital of Pennsylvania has a laid-back vibe but offers residents plenty of entertainment opportunities. It’s historical and the central hub of the state’s government. The science, technology, engineering and math industries are booming in this city, making it an attractive place to live for young professionals in those fields. The cost of purchasing a home in Harrisburg is significantly lower than the average for the rest of Pennsylvania, and the cost of living is comparatively low as well. Buying a new home in this city is a great investment, and you need to protect that investment with the best homeowners insurance in Harrisburg PA.

Get the Essentials

Determining what types of coverage you need can be overwhelming and confusing. VIU by HUB brokers have the experience and expertise needed to walk you through the options so that you get a policy that meets your needs, with deductibles and limits that work for you. You want to ensure you have adequate protection for weather event damages and theft, external and internal damages, and claims filed against you for bodily injury or third-party property damage on your property. Homeowners insurance in Harrisburg PA should provide the following essential benefits:  

• Home replacement value
• Internal and external damage repairs and replacements
• Personal property losses
• Displacement living expenses
• Liability claims protection
• Medical payments

Your insurance policy should provide adequate protection for the risks you face. Though you can’t always replace what it lost — especially when it comes to items that have sentimental value — you can get financially compensated so that you can again make your house a home.

Customize Your Policy

At VIU by HUB, we walk our clients through all of their options to help them procure coverage that fits their specific needs. The structure of your house is not the only thing of value. A standard policy may include personal property protection, but it might not be sufficient to cover the loss of everything of value inside your home. Together, we’ll review your home inventory to ensure you have the right level of coverage from your homeowners insurance Harrisburg PA for your personal property.  

Consider Additional Coverages

A standard homeowners insurance policy doesn't offer protection for every peril you might face. You need to know what exclusions exist in your policy so that you can get additional coverages when necessary. Flood damage is not typically covered, though it is one of the most frequently filed claims for natural hazards. In this part of the country purchasing a separate flood insurance policy is worthy of consideration, so you may want to talk to your broker about adding flood damage coverage.

If you have structures on your property that are not attached to your house, you need additional coverage for those buildings, and anything contained within them. If you have a detached garage, a shed or an accessory dwelling unit, make sure you have a homeowners insurance Harrisburg PA policy that covers those structures.

Make Adjustments as Needed

Your coverage needs may change over time, and your policy should reflect those changes. If you make any improvements to your home, such as building an addition or renovating your kitchen, contact your broker at VIU by HUB. Likewise, if you find that your circumstances change, and you need to evaluate your policy options, we are here to help. Our brokers can update your policy quickly, so you don’t have to worry about not having the protection you need.

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