Home Insurance in Pennsylvania

The state of Pennsylvania is a great place to live. If you decide to purchase a home in the Keystone state and are ready to put down roots, ensure you have proper home insurance to protect your property and yourself. If you are currently shopping for this type of insurance and want to know more about it, The Hansen Agency LLC, serving clients in Eighty Four and Canonsburg, PA, has prepared a list of things you should know:

What Are the Types of Home Insurance?

There are several types of home insurance:

• Dwelling coverage- It protects the building itself, as well as other structured that are attached to it.
• Personal liability- The purpose of this coverage is to provide a homeowner with a legal defense against a liability claim.
• Personal property- This type of home insurance covers personal items, including electronics, furniture, and clothing. It is important to note, though, that it has certain limitations.

What Is the Cost of Home Insurance?

Certain factors, including the following, determine the price of home insurance:

• Location- It includes state, town, ZIP code, and claims history of the specific area.
• Materials used for building a house- The more expensive materials were used for building a home; the more expensive home insurance would be.
• Home-based business- If you run a business from home, your home insurance may cost more.
• Swimming pool- Owning a swimming pool can also increase your home insurance rates.
• Age of the house- The cost of your home insurance depends on how old or how new your home is.
• Costs of replacement- The replacement costs include fully rebuilding the building. You will need to hire an appraiser who will assess your expenses.

The Hansen Agency LLC - The Insurance Agency You Can Trust

If you are shopping for home insurance in Eighty Four, Canonsburg, PA, or any other nearby town in Pennsylvania, do not hesitate to contact The Hansen Agency LLC. Our team of qualified and experienced insurance agents are ready to answer your questions and provide you with the information you need.