When selecting a policy for home insurance in Harrisburg, PA it is important to realize that there are many types to consider. Homeowners do have options about what they cover, the amount of coverage they carry and much more. Comparing prices between insurers is only fair when people make certain they are comparing the exact same levels and types of coverage.
Maintaining Basic Coverage
A homeowner’s policy should cover the loss of the home due to fire or damage from natural disasters or vandalism. Stolen property and the damage to the home during a theft are usually included. These policies are required by anyone holding the lien to the home and are the minimal amount of coverage any home should have.
Including Additional Coverage
A broad form policy has additional coverage for common occurrences. These policies cover damage from broken pipes, electrical surges and to the roof from snow or ice and many other concerns. They cover the structure, property and sometimes offer liability insurance too.
Choosing Comprehensive Coverage
Flood policies are the most common form of insurance that covers homes for a specific type of incident. Anyone living in an area prone to experiencing floods should have this insurance, but there are other types of specialty policies that may be necessary depending on where people live. This includes coverage for earthquakes, damage during war or civil unrest and wind damage. Insurance can also assist with mold, foundation problems and pest infestations if the policy is purchased before the problem occurs.
Protecting Specific Structures
Condos and mobile homes have their own policies that are unique from traditional homeowner’s insurance. There are different risks and considerations with condos and mobile homes and insurance companies will require people purchase a policy designed for them. An optional example is an older home policy. This provides coverage to historic homes that have many different concerns than a modern house.
Every policy is somewhat adaptable to the client. The policies will change based on home size, age and condition. How the structure is used, what type of pets are kept and even extras like a pool or a trampoline will greatly affect price and possibly even whether or not a company wants to provide coverage. Farnham Insurance can help home owners to understand what is available and help them choose the right policy for their needs.