Category: Home Insurance

Residential insurance add-ons will supplement your original home insurance policy’s coverage. Check out some of our insurance products that provide specialized protection for household materials and goods.

Buried Utility Coverage

Buried utility coverage protects cables, pipes, and other essential utility materials that are buried underground. If utility materials become damaged while owning your home, the add-on coverage you have obtained will pay to replace the damaged materials.

Swimming Pool Coverage

Owning a swimming pool comes with many risks. Injuries can occur throughout the year, and your standard home insurance policy may not cover your pool.

If it is not covered, you can acquire add-on coverage that will provide you with liability protection. The swimming pool coverage will protect all the materials that the pool is made of.

It will also provide coverage for a diving board, a slide, or any other accessories. Your swimming pool coverage can be customized to protect the exact type of pool and accessories that you own.

Household Equipment Breakdown

Owning a lot of appliances will require you to complete maintenance steps regularly. Even if you are vigilant about performing maintenance essentials, you may encounter situations requiring extensive appliance repairs.

Household equipment breakdown coverage is a specialized type of coverage that will provide relief when an appliance fails to operate. This type of coverage will protect refrigerators, stoves, washers, dryers, or any other type of household appliance.

Contact The Hansen Agency LLC

Now that you have explored some residential insurance add-ons, you may be ready to update your home insurance policy. One of our representatives at The Hansen Agency LLC can help you with that. Contact an agent who serves Canonsburg, PA, for more assistance.

The Hansen Agency LLC has provided Canonsburg, PA residents with various home insurance policies for years and is more than ready to help you. We can provide you with several clever protection options that can ensure your home is safe from a myriad of unexpected and problematic issues.

Additional Home Insurance Options 

Flood Protection 

Did you know that your home’s insurance policy doesn’t automatically cover floods? That’s a real issue, and it’s something you need to take seriously. Adding an additional level of flood protection can ensure that you’re safe and minimize any lingering concerns over your home’s protection.

Umbrella Upgrade

When someone gets hurt on your property, a liability policy should help to ensure you get the help that you need. What if someone sues you, and your lawsuit is far past your liability protection? Umbrella insurance would pay the rest of the lawsuit out, up to its limits, to keep you financially strong.

Business Protection 

Do you run even a small side hustle out of your home or a one-person business? You might want to consider home business insurance. This unique coverage can help you repair business-related items, such as computers, or even replace items that get damaged or stolen.

Catastrophe Damage

There are some types of home issues that you just can’t anticipate, and catastrophe damage policies are essential for them. They’ll help with things like mudslides, sudden fires, and other rarer rangers that may not PA all that often but which you can never ignore in any state.

Get Help Today

With the help of our team at The Hansen Agency LLC, you can get the great home insurance protection you need to stay safe. Call us if you live in or around the Canonsburg, PA area and we’ll do what we can to ensure that you get the policy that makes the most sense for your personal needs.

The home is where the heart is, or so the saying goes, and for many people and families who call Canonsburg, PA home, that is true. That is also why so many homeowners take steps to keep the place they call home safe. From safeguards and preventative measures to home insurance solutions from providers like The Hansen Agency LLC, there are several measures we can take to protect our homes.

In addition to our emotional and personal attachments, for many of us, home is also our largest investment. The good news is many tools and resources are available to help homeowners protect their home and their investments.

Protecting the Place We Call Home

If you are a homeowner, there are several ways to help protect your home and keep your family safe.

Home Security

From monitored camera and alarm systems to keypad entries and more, home security today is more reliable than ever before. 

Maintenance and Preventative Measures

Preventative measures such as routine maintenance and regularly inspecting your property can also save time and money and support the longevity of your home. From regular roof inspections to waterproofing our basements, the maintenance and upkeep of our homes will also help them withstand concerns from issues like storms and flooding.  

Home Insurance

Another resource and means to help protect your home is home insurance. From helping with the cost of repairs from damages resulting from storms, fires, and other events to liability protection, home insurance is a lot like the last line of defense.

Schedule A Consultation Today

If you are a homeowner and live in or around the Canonsburg, PA area, we invite you to visit The Hansen Agency LLC for all your home insurance needs. Contact us to learn more and protect your investment and home with smart home insurance solutions today.

In today’s world, energy efficiency is not only beneficial for the environment but also for homeowners’ wallets. Energy-efficient home upgrades, such as solar panels or smart home devices, can help reduce energy consumption and lower utility bills in and around the Canonsburg, PA area. 

Recognizing Potential Savings

Energy-efficient upgrades can have a positive impact on home insurance premiums. Insurance providers often reward homeowners who invest in energy-efficient measures by offering premium discounts. By reducing the risk profile of the insured property, insurance companies are often willing to pass on these savings to homeowners.

Saving Money on Premiums

When you make energy-efficient upgrades to your home, it’s worth exploring potential discounts your insurance provider offers. These discounts can vary depending on the type of upgrade and the insurance company’s policies. For example, installing solar panels, energy-efficient windows, or a smart home security system may qualify you for premium discounts. 

Ensuring Adequate Coverage

While energy-efficient upgrades can lead to premium savings, it’s essential to consider any coverage adjustments. For instance, replacing energy-efficient features like solar panels or smart home devices may be higher than standard alternatives. Reviewing your coverage limits is essential to ensure they adequately account for the added value of these upgrades. 

Keeping a Record

When you make energy-efficient upgrades to your home, it’s crucial to document the details and provide this information to your insurance provider. This includes keeping records of the installation, warranties, and relevant certifications or ratings. Providing this documentation can help substantiate the value and impact of the upgrades, making it easier to negotiate coverage adjustments.

How The Hansen Agency LLC Can Help You

Here at The Hansen Agency LLC, we can answer all your questions concerning home insurance. We assist the Canonsburg, PA region. Get in touch with us today. 

Home insurance, like so many things in life, is not one-and-done. It needs to be reviewed and updated at different points along the way. At The Hansen Agency LLC in Canonsburg, PA we are happy to assist you in the review of your home policy to make sure that it is meeting all your needs. As an independent insurance agency, we work for our customers, and we stand with you every step of the way. 

When should you review your home insurance policy?

At renewal time

When your policy is up for renewal, this is an easy and obvious time to take a good look at what coverage you actually have. On the front page of your policy is the declaration page. This is a synopsis of your coverage. You can look at the figures and determine if there have been any significant changes that affect your need for coverage. Has your need for liability coverage changed?  Have you made changes to your home that could change the amount of coverage you require? Does the deductible you have make sense? 

You have acquired new jewelry

The amount of jewelry coverage on your policy is limited. If you have bought or been gifted some significant pieces, they should be appraised, and you should add a jewelry endorsement to your policy. 

You have added a security system

If your home is now protected by a home security system or a hardwired smoke detector system, it can make you eligible for some discounts on your premium, make sure that you are getting them. 

You have added a dog to the family

It is important to let your insurance company know if you have a dog to make sure it is not one of the breeds that are excluded from coverage. 

We Can Help!

Contact The Hansen Agency LLC in Canonsburg, PA for all your insurance needs. 

When it comes to running a home efficiently and cost-effectively, energy efficiency is key. Here are some tips from us at The Hansen Agency LLC to help you make your house in the Canonsburg, PA area more energy efficient and save you money in the long run. 

Tips to make your house more energy efficient

1. Upgrade Appliances:

Older appliances are often less efficient than newer models and can use up a lot more energy than necessary. Consider replacing old appliances with new, Energy Star-certified models that are designed to be energy efficient. 

2. Install Programmable Thermostats:

Installing a programmable thermostat allows you to set temperature schedules so that your heating or cooling system runs at an optimal level when needed, saving you money on energy bills by not overworking your system when it’s not required. 

3. Install Insulation:

Proper insulation throughout your home helps keep the warm air inside during winter and the cool air inside during summer months, thus reducing the amount of energy required for heating and cooling purposes. 

4. Change Lightbulbs:

Incandescent bulbs are relatively inefficient compared to LED bulbs which use significantly less electricity but produce brighter light. By switching out all of the regular lightbulbs in your house for LED alternatives, you’ll save money on electricity while still having plenty of light in your home! 

5. Unplug Unused Appliances:

Your appliances may still be sucking up electricity even when they’re turned off because most of them stay plugged into their wall sockets 24/7– even when they’re not being used! 

Get Home Insurance Today

By implementing these tips into your household routine, you can significantly reduce the amount of electricity being used in your home and contribute towards a greener environment at the same time! For more tips, and for coverage options for your home, call The Hansen Agency LLC today. We proudly serve the Canonsburg, PA area. 

One of the most important things you’ll ever do for your home is to make sure you have the right home insurance policy. With that being said, determining the necessary coverage is critical. When you have the right coverage for your home, you’ll have peace of mind knowing that you and your family are protected from unexpected events. The Hansen Agency LLC can help residents in Canonsburg, PA get the right home insurance protection.

Here are a few guidelines to follow:

Know What Your Coverages Mean

Your home is your castle, so you need to make sure it’s properly protected. That means having the right insurance coverage in place. But what does that really mean? Here’s a quick rundown of the different types of coverage that are typically part of an insurance policy.

• Dwelling: This is the basic coverage that will protect your home and belongings in the event of a fire, theft, or another covered disaster. Make sure you have enough coverage to rebuild your home if it’s completely destroyed.
• Liability: This coverage protects you personally from any injuries or property damage that you cause. It’s especially important if you have children living at home, pets, or other people who may be at risk of injury in your home.
• Personal property: This covers your belongings, including clothing and jewelry. To make sure you have enough coverage for all of your possessions, go through them and make an inventory. Then add up the total value of all of your things.
• Temporary living expenses: This covers your living expenses if you have to live elsewhere while your home is being repaired or rebuilt. You may need to hire a contractor, buy materials and food, or pay for temporary housing.

Get The Right Coverage For Your Home Today

There are also common questions we get regarding deductibles, how much coverage to buy, and what’s covered by a home insurance policy. For more info, please give us a call or request a quote. The Hansen Agency LLC  is happy to answer your questions about coverage for your home in Canonsburg, PA.

It’s no secret that home insurance rates have been on the rise in recent years. And your rates could be even higher if you live in or near a high-risk area. But what many Canonsburg, PA homeowners don’t realize is that installing a security system may provide them peace of mind and help save money on their home insurance premiums.

Security Systems and Home Insurance

Many insurance companies offer discounts to homeowners who have security systems installed in their homes. These systems deter burglaries and other crimes, leading to your home insurance policy claims.

We suggest you check with The Hansen Agency LLC about requirements before you install a system. Some insurers require specific brands or styles and professional installation. You may also need to purchase a policy rider to cover the system.

How Much Can You Save?

The amount you’ll save on your premium will vary depending on your insurer and the type of system you have installed. But it’s not uncommon to save 5% or more on your home insurance by installing a security system. You may need to update the system over the years to maintain the discount, but it’s worth it for the peace of mind and potential savings.

Other Benefits of a Home Security System

Besides the savings on your home insurance, a security system can also make your home safer. And that’s something you can’t put a price on. Keep your family and belongings safe by installing a security system in your home today.

For more information on home insurance and to get a free, no-obligation quote, contact The Hansen Agency LLC in Canonsburg, PA.

Are you buying, or do you own, a residence in Canonsburg, PA? If so, you should know that homeowner’s coverage is a must. Besides protecting your home and possessions, it can also provide liability protection in case someone is injured on your property.

Considerations for Choosing a Policy

There are many factors to consider when choosing a homeowner’s coverage. The first step is to determine how much coverage you need. You’ll need to estimate the value of your home and possessions and also think about whether you want to add liability protection. A representative from The Hansen Agency LLC can help you determine the right amount of coverage for your needs.

Additional Protection

Your insurance company will also need to know about any risks associated with your home that might require additional protection. For example, if you live in a flood zone, you’ll need to purchase flood insurance. The same is true for homes in areas that are prone to wildfires or earthquakes.

Insurance Deductable

Another thing to consider is the insurance deductible. This is the amount of money you will have to pay out of pocket before your insurance company begins to reimburse you for losses. The higher the deductible, the lower your premiums will be. It’s important to discuss these factors with an insurance agent so that you can make the right choices for your needs.

Regular Coverage Reviews

It’s important to review your policy every year and make changes as needed. For example, if you’ve added new possessions or renovated your home, you’ll need to update your policy to reflect those changes. Homeowner’s insurance is a significant investment, and it’s essential to choose the right policy to protect your home and possessions. Working with an insurance agent can help you make the right decision for your needs.

The Hansen Agency LLC serving the Canonsburg, PA community can help you make the right decision for your needs.

Your home is the biggest investment most people will ever make. Making sure it is protected is important. Having the right home insurance gives you the safety net you need. At The Hansen Agency LLC in Canonsburg, PA, we know that your home is your castle, and we work with you to make sure you can sleep at night knowing you are protected. We are independent agents, which means we offer policies from a variety of carriers, and we can provide our customers with choices. 

Is home insurance required in Pennsylvania?

No, the state of Pennsylvania does not require that you have home insurance. If however, you have a mortgage, your lender will require it since they have a vested interest in your home. 

What coverage does home insurance provide?

Home insurance gives you property coverage for the physical structure of your home as well as any other structures on your property such as a detached garage or shed. It also covers your content either for the cash value or the replacement cost. Home liability coverage is an important part of your home insurance in the event someone is injured while visiting your home or by a family member away from home, even your furry friend. Additionally, if your home is damaged, your home insurance will help you to have a place to stay while your home is being repaired. 

Will my home insurance cover my home if it is flooded?

If a pipe bursts within your home, yes it will. If the flooding comes from a sewer backup, it probably isn’t covered, and if it is surface water, you won’t be covered. 

In Canonsburg, PA The Hansen Agency LLC provides the home insurance coverage that our customers want and need. You can contact us on the phone or in person, we are here for you.