Underinsured Homes

Under Insured Homes DID YOU KNOW....

If you have not reviewed your homeowners policy in the last 5 years you are most likely under insured. Construction costs and construction materials have increased along with the real estate market.
The amount to rebuild your home today is significantly higher then it was 5 years ago. The worst time to find this out is "at the time of a claim." Contact your insurance agent and request a "replacement cost estimate", this will provide you what the correct amount is to insure your home. There is also information available on the web. Don't wait until its too late!

Floods in Pennsylvania

Did you know that Pennsylvania has one of the highest rates of floods?

It indeed does, despite the fact that PA is not a coastal state. More flooding occurs in PA then most any other state. The bad news is most Pennsylvanians don't consider purchasing flood insurance because its not on the coast. The good news flood insurance in Pennsylvania is inexpensive for most homeowners. Next time your homeowners renewal is due, ask your agent what flood insurance would cost to insure your home. A property listed in an "X" zone will cost you $388 annually for $250,000 dwelling coverage and $100,000 contents.

Remember, your homeowners insurance policy does not cover floods.