Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Insurance for Homeowners in Orwigsburg, Allentown Pennsylvania and Beyond
Owning a home is a great success and an even greater responsibility. As a homeowner, you have a lot more freedom to do as you like with the space as opposed to a rented property. Unfortunately, this also means that you have more responsibility with the upkeep and safety of your home. Without a reliable home insurance policy, you could face thousands of dollars in repairs or liability claims after an accident.
At Anthony Mercado Agency, we strive to make sure you feel heard. We will listen to your concerns and help you evaluate the risks your home and family face in order to find you the best home insurance policy. You are our top priority and we are dedicated to helping you protect what matters most with an affordable home insurance policy.
What Does Home Insurance Cover?
Home insurance is designed to protect your home, belongings and family in the event of a variety of accidents. A basic home insurance policy covers four main areas:
Personal general liability under home insurance covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in the event of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses.
Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including:
- Falling Objects
Personal Belongings Coverage
Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items — such as jewelry, furs, art and electronics.
Additional Living Expenses
Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with the cost of food and temporary shelter.
Insure Your Home
Accidents can happen when you least expect it. Find a home insurance policy today through Anthony Mercado Agency. Give us a call at (610) 530-2001 or fill out an online quote form to get started.
Common Home Insurance Questions
Most home insurance policies are paid through monthly premiums. So long as you pay these premiums, you have the option to file a claim on your policy for certain losses. When you file a claim, an underwriter from the insurer will investigate the claim and calculate how much compensation you will receive.
In general, it’s recommended that you carry enough home insurance to cover the total replacement cost value of your home. The total replacement cost value is how much it would take to completely rebuild your home, including labor and material costs. Speak with an insurance professional from Anthony Mercado Agency today to discuss how much coverage your home needs.
You should ideally have insurance by the time you sign on a home. Having coverage before you step foot inside can help prevent accidents hurting your pocket before you’ve even moved in.
The cost of home insurance varies greatly depending on your location, coverage limits, value of the home, credit score, and claims history. Fill out an online quote form to see how much you can save on home insurance.