Home Improvements

Let’s say you add a sunroom to the back of your house but never tell your insurance company.  A year later the house burns down.  The insurance company will pay for damage to the rest of your house but not your sunroom.  OUCH!  You must notify your agent or your insurance company if you make ANY improvements or changes to your home in excess of $5000. 

Pests

Not knowing that your homeowners policy doesn’t cover damage caused by termites, vermin, insects, rodents, birds (except glass breakage), skunks, raccoons, spiders or reptiles can really come back to bite you! Squirrels, for example, can cause extensive damage if they get inside your home. Your best bet is to prevent such occurrences by retaining a reputable pest control company.

Earthquakes

Never considered earth- quake insurance?  Neither did most of the folks in Indiana who probably thought it wouldn’t happen to them.  Earthquakes can happen anywhere.  Please be aware that your Home-owners policy does not cover damage caused by an earthquake unless you add the earthquake endorsement.  Please call us to discuss this important coverage.

Sinkholes

Sinkholes are very common throughout Pennsylvania. What’s not commonly known is that damage to your home due to a sinkhole is not usually covered by your home owners policy. You must purchase separate insurance. Click here to learn more about sinkhole locations and the damage they can cause.

Identity Theft

It’s almost impossible not to know what an epidemic identity theft has become. In response, the PA Attorney General’s Office has published a preventative toolkit.  The insurance industry has also responded with Identity Recovery Coverage.  Remember, this is not automatically included on your homeowners policy and must be purchased separately.