Homeowner’s Insurance

Owner's Title Insurance PA

What is Homeowner's Insurance
and why do you need it?

Do I really need homeowner's insurance? If you're buying a home and borrowing money, your lender will require you to have an insurance policy to protect against loss of the home or loss of it's value.

Homeowner's Insurance has two forms of standard coverage:

  • Property Insurance to protect an individual's home against damages to the house itself, or to possessions in the home
  • Liability Coverage to protect against accidents in the home or on the property

Standard Coverage

A standard policy covers perils such as fire, theft, and falling objects. There are three different types of policies, based on the number of scenarios they cover.

Additional Coverage

While a standard policy covers most scenarios where loss could occur, some weather events are excluded. Adding an extra policy for flood insurance is worth considering depending on where you live in Pennsylvania.  It's also worth considering coverage for water backup of sewer and drain, a.k.a. sump pump failure. Many of these types of coverages are very inexpensive and are worth discussing with your agent.

It's best to consult with an title insurance professional to evaluate the available plans and their coverage and cost.

Get a Homeowner's Insurance Quote
courtesy of Mike Grodanz at Grisafi Insurance

Homeowners Insurance Quote

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Mike Grodanz of Grisafi Insurance and TagsMike Grodanz
Grisafi Insurance
2626 Audubon Road
Norristown,PA 19403

(215) LOW-RATE
or call

Understanding a Home Owner's Insurance Policy

Mike Grodanz of Grisafi Insurance was quoted in a recent ALT blog discussing the basics of Homeowner's Insurance:

Before you fret over the potential disastrous situations that may occur to your house, understand the basics of a homeowner's insurance policy and what it covers.