Homeowners Insurance

If my tree falls on my neighbor’s house, and there’s nobody around to hear it…

If my tree falls on my neighbor’s house, and there’s nobody around to hear it…

…Does my insurance pay? We get this question a lot! OK, not exactly THAT question, but when fall and summer storms get those mighty oak trees swaying, our phones start ringing, and about half of the people we talk to don’t like the answer. Many people feel that a homeowner with a large tree should assume […]

Is your PA Homeowners Insurance SPECIAL or BROAD?

Is your PA Homeowners Insurance SPECIAL or BROAD?

Do you have Special or Broad covered causes of loss for your Dwelling (Coverage A) on your PA homeowners insurance?  What about on your Personal Property (Coverage C)?   What’s the difference?  Why should I care?  Special Perils (also called comprehensive property coverage) commonly appears on most PA homeowners insurance for Coverage A – Dwellings (the structure of your […]

Does my home policy include sinkhole insurance?

Does my home policy include sinkhole insurance?

Sinkholes Can Do Devastating Damage To Your Home – But does your home policy include sinkhole insurance?  A few years ago the ground literally opened up in Florida and swallowed a home. Tragically a young man was sleeping inside the home at the time. Pennsylvania doesn’t have the level of sinkhole activity that Florida experiences, but sinkholes definitely […]

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