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Home & Property Insurance

Whether you are a homeowner, landlord, or renter, coverage is about more than just checking a box. Property insurance protects your structure, your memories, your furnishings, and your future! i.e. Insurance works with providers that offer excellent packages to suit your exact needs in a policy.

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A benefit of working with i.e. Insurance is that you will get to talk to our staff every time you reach out to us! Most quotes can be sent to you in one business day.

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Home Insurance Coverage

PROPERTY TYPES

Homeowner

This provides coverage if you already own or are purchasing a house that you will live in for at least 6 months out of the year, which is considered your primary residence. This is the most common type of home insurance.

Mobile/Modular Home

Most clients don’t realize that mobile or modular homes require a special insurance policy. We offer multiple options when it comes to mobile or modular home insurance to ensure you are properly protected.

Seasonal

This is for the camp you visit in the summer with your family, a condo near the slopes, or that second house that you stay in sometimes. This is similar to a home insurance policy, but provides variations in coverage for the time the house is not being used.

Renter

This is for tenants of a house, mobile home, or unit within an apartment building to cover your personal belongings and liability risks.

Landlord

Similar to a home insurance policy, but this is for the owner of a property who does not live in the house but instead rents that property to a non-family member.

Condo

The difference between a condo and a homeowner policy is within the ownership of the building. Condos have ‘common areas,’ which are typically the land surrounding the home and exterior structure. Sometimes common areas include interior walls and furnishings. This is important because common areas have protection under the commercial insurance policies in place. The owner of a condo may be responsible for only their personal belongings, the entire unit, or somewhere in between. It is important to have a conversation about your specific property.

COVERAGE

Dwelling

This is the coverage that pays to rebuild the building insured. At the time of purchase of a policy, we will assist you in determining the appropriate amount of insurance.

Loss of Use

This provides coverage for the added cost of living when you can’t stay in your home because of a claim. Examples of loss of use can be hotel costs or eating at a restaurant.

Medical Payments

Similar to liability, this provides a smaller amount of coverage strictly for reasonable medical costs in the event of a minor injury on the property of the insured. No deductible applies to this coverage.

Other Structures

This provides protection for damage of buildings or structures on your property but not attached to the house. Examples of other structures are fences, sidewalks, driveways, and sheds.

Deductible

This is the amount you pay for any covered claim. Deductibles can be as low as $500, but can be as high as 1% or 2% of the rebuild cost of your home.

Optional Coverage Options:

Identity Fraud, Scheduled Personal Property, Watercraft, Water Back-Up, Underground Service Line, Mold Coverage, Extended Liability, Business Pursuits, Home Day Care and others. Ask us about details!

Personal Property

This pays to repair or replace your personal belongings in the event of a covered claim. Some types of personal property have limits of liability, so you should discuss your coverage options if you have anything values at $2,500 for any one item, or a collection.

Liability

This provides protection for the homeowner if a non-family member gets injured on the property. There is no deductible for liability coverage.

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Home and property FAQs

What does homeowners insurance cover?

A standard homeowners insurance policy typically helps protect your home’s structure, personal belongings, personal liability, and additional living expenses if your home becomes temporarily uninhabitable after a covered loss. Coverage can vary depending on your policy, home, and specific needs, so it’s important to review your coverage with your local insurance agent in Valencia, PA. They can help you understand what’s included and identify any additional protection that may be beneficial for your home.

Is homeowners insurance required?

Homeowners insurance is not required by Pennsylvania state law, but most mortgage lenders require you to carry coverage until your home loan is paid off. Even if you own your home outright, maintaining homeowners insurance can help protect your property, belongings, and financial investment from unexpected events. A local insurance agent in Valencia, PA can help you review your options and make sure your coverage fits your needs.

Does homeowners insurance cover roof damage?

Homeowners insurance often helps cover roof damage caused by covered events such as wind, hail, fire, or falling trees. However, damage caused by normal wear and tear, aging, poor maintenance, or gradual deterioration is typically not covered. With Pennsylvania’s changing weather conditions, including strong storms and winter weather, it’s important to understand what your policy covers. Your local insurance agent in Valencia, PA can help you review your coverage and make sure your home is properly protected.

Does homeowners insurance cover water damage?

Homeowners insurance may help cover sudden and accidental water damage, such as a burst pipe, a broken water heater, or an overflowing appliance. However, damage caused by flooding, sewer backups, or ongoing leaks is typically not covered unless you have added coverage. With Pennsylvania weather bringing heavy rain, snow, and freezing temperatures, it’s important to understand your policy and any additional options that may help protect your home. Your local insurance agent in Valencia, PA can help you review your coverage and identify potential gaps.

Does homeowners insurance cover flooding?

No, standard homeowners insurance policies typically do not cover damage caused by flooding. Whether your home is near a flood-prone area or you simply want extra protection from unexpected water events, a separate flood insurance policy may help provide additional coverage. In Valencia, PA, your local insurance agent can help you understand your flood risk and explore coverage options that fit your home’s needs.

How much homeowners insurance do I need?

Your homeowners insurance should provide enough dwelling coverage to rebuild your home at today’s construction costs, not necessarily its current market value. Factors such as your home’s size, materials, upgrades, and local labor costs can all impact the amount of coverage needed. A local insurance professional in Valencia, PA can help review your property and make sure your policy provides the right level of protection if you experience a covered loss.

What is a homeowners insurance deductible?

A homeowners insurance deductible is the amount you pay out of pocket before your insurance policy begins to cover a covered claim. In general, choosing a higher deductible may lower your insurance premium, while selecting a lower deductible can increase your premium. Your local insurance agent in Valencia, PA can help you understand your deductible options and choose an amount that fits your budget and coverage needs.

Does homeowners insurance cover personal belongings?

Yes, most homeowners insurance policies include personal property coverage that helps protect belongings such as furniture, clothing, electronics, appliances, and other household items if they are damaged or stolen due to a covered loss. Keep in mind that certain valuable items, including jewelry, collectibles, or specialty possessions, may have coverage limits and could require additional protection. Your local insurance agent in Valencia, PA can help you review your policy and make sure your belongings are properly covered.

What is personal liability coverage?

Personal liability coverage helps protect you financially if you’re found responsible for causing injury to another person or damaging someone else’s property. It may also help cover legal expenses and defense costs if you’re sued because of a covered incident. Your local insurance agent in Valencia, PA can help you understand how liability coverage works and make sure your policy provides the protection you need.

Can I save money on homeowners insurance?

Many homeowners may qualify for insurance discounts by bundling their home and auto policies, installing security systems or fire protection features, maintaining a claims-free history, or choosing a higher deductible. Available discounts can vary based on your home, coverage, and insurance company. Your local insurance agent in Valencia, PA can help review your policy and identify potential savings opportunities while making sure you maintain the protection your home needs.

Does homeowners insurance cover storm damage in Valencia, PA?

Homeowners insurance may help cover damage caused by certain storms, including wind, hail, lightning, or falling trees, depending on the details of your policy. Pennsylvania weather can bring a variety of challenges throughout the year, from severe thunderstorms to winter storms, so it’s important to understand what protections your policy provides. Your local insurance agent in Valencia, PA can review your coverage and help you make sure your home is prepared for unexpected weather events.