Your homeowners insurance policy is probably not something you think about too often. Do you know what your current policy covers? If you’re not sure, it’s probably a good time to discuss your coverage with us.
The most valuable thing a homeowners insurance offers is peace of mind. If your home gets damaged or a theft occurs, you want a policy that will make you whole again. Our team is here to help you evaluate your current homeowners policy to find any weak spots in coverage, help you add policy options where needed, and find discounts that can lower your premium.
Having a lower homeowners insurance premium might seem like a good way to save some money, but if disaster strikes, you’ll likely lose those gains and end up paying more to cover damages. The truth is that if your home is under-insured, it’s most likely an oversight1. The good news is that it is an easily correctable error.
The ideal homeowners policy offers peace of mind that you’re protected should damage, theft, or an injury occur on your property. At Harner Insurance, we will help you evaluate your current policy structure to ensure your home, its contents, and any other structures are protected adequately.
Most homeowners policies include the following basic coverages:
Covers your home’s structure, any built-in appliances, and wall-to-wall carpet.
Covers personal property not attached to or built into your home (for example, furniture and clothing).
personal liability can help pay for covered damages should an accident or injury occur in your home.
Medical Payments to Others
May help pay for medical or funeral expenses of someone who is injured on your property.
Ordinance or Law Insurance
May help pay to rebuild your home to current building codes after a covered loss.
Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.
Loss of Use
Coverage to help pay for additional living expenses if you’re unable to live in your home due to a covered loss.
Credit Card Coverage
Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card (also applies to forged checks and counterfeit money).
Helps keep personal data secure amid a growing number of risks and cyber crimes.
Coverage for high-value items such as jewelry, watches, antiques, and fine art.
Replacement Cost Plus
Pays up to an additional 20% of your property coverage limit if your home needs to be rebuilt after a loss.
Expands coverage if water backs up through your sewer, drains, or sump pump overflows.
Provides additional coverage for earthquake damage (a separate deductible applies).
This option protects your house and its contents from flood damages (this is a separate policy with its own deductible).
If you are in the Harrisburg or Central PA area and you’re not sure if your homeowners policy is completely protecting your property and assets, please contact us today.
If you have general questions or you would like a personalized quote, call our Harrisburg office at 717-561-0547 or contact us to request more information.
Request an insurance consultation to review how you can:
Be sure you’re protecting what’s most valuable to you and that you’re not overpaying for insurance.Schedule a No-obligation Insurance Review