Types of Coverage for Homeowners Insurance in PA

Homeowners Insurance PAAs a first time homebuyer, you have a lot on your mind. You are probably working on a few home improvement projects, perhaps landscaping the yard, maybe even purchasing new furniture. Ensure that you don’t look over what is most important and what is going to protect everything financially. Homeowners insurance in PA is essential when you own a home, but there are different types of coverage that you may not fully understand. The following will outline some of the various types of coverage you might put into your policy.

Personal Property Coverage

Many insurance agencies will recommend that your personal property coverage includes all risks including jewelry and other expensive collectible items that run the risk of theft.

Personal Liability

Depending on the amount of assets that you own, your insurance agent will help you to determine the amount of coverage you need for personal liability. This covers costs that may arise if someone is injured on your property or otherwise involved in some type of accident on the property.

Special Types

In addition to the typical coverage of personal property and liability, many homeowners will need special coverage for pools, fences, and other similar items. These specialty items are sometimes covered in the standard policy, but additional coverage might be a smart idea.

Getting Started

Contact your insurance agent to learn more about the various types of homeowners insurance in PA and get started today.

Supplement Your Insurance With An Excess Umbrella Policy

Excess umbrella With increasing legal costs and significant liability claims, businesses these days need strong liability protection.  Excess umbrella insurance policies assist in protecting businesses by offering higher limits and more extensive coverage when primary insurance policies have been expended.  Catastrophic losses can occur at any time.  Being prepared and protected can be essential in maintaining a successful business.


Industries Covered


Excess liability programs are designed for a range of classes and industries that may include:


  • Commercial Contractors
  • Hospitality
  • Real Estate
  • Manufacturing
  • Restaurants
  • Schools
  • Retail Establishments
  • Municipalities


Protect Your Assets


Legal action against your business may exceed the coverage of your standard policy, causing you to sell off assets or dip into your bank accountExcess umbrella coverage prevents you from having to deplete your business resources by insuring for any damages above your standard policy.


Equipment or real estate owned and used by a business is typically a large contributor to a company’s assets.   When there is damage to equipment that results in the need for costly repairs or replacement of equipment, excess insurance coverage can be helpful in supplementing your primary liability policy and getting your business back on track.


Different businesses have unique and complex exposures for both small and large operations.  Understanding your risk and preparing for it with excess umbrella coverage is a vital step in protecting the viability of your business against the potential of a devastating financial loss.