Homeowners Insurance with Policy Goat

Policy Goat is committed to helping every client get quality insurance benefits that will protect them in all parts of their lives. If you are a homeowner, or are embarking on the journey of buying your first home, then you must adequately insure the property with a home insurance plan that is customized to fit your precise needs.

So, choose us as your local homeowners insurance agency, and you’ll get access to a network of top-rated policies. We’re here to help you sift through the myriad of policy options on the market to find you the perfect coverage solutions.

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Common Homeowner Insurance Questions

What is home insurance?

Your home represents one of the most important and expensive investments that you will ever make. That value alone is worth protecting, and homeowners insurance will help you do so.

You never know when a hazardous event—a house fire, break in, severe storm—might occur in your home, cause damage and put you in a very tricky situation. You will want to make the necessary repairs to your property without a huge financial strain, however. Homeowners insurance will pay your recovery costs on your behalf. That way, you can rest assured that you will be able to move on from life’s challenges without costing yourself an arm and a leg.

Is Homeowners Insurance Required?

Pennsylvania law does not require you to have a homeowners insurance policy, but most banks or lenders require you to cover your home for at least the amount of the mortgage. Homeowners insurance can protect you from covering excessive costs and alleviate the financial burden following an accident.

What Does Homeowners Insurance Cover?

Insurance policies generally vary among homeowners, but typical coverage might include options such as:

Dwelling coverage — This helps cover repairing or rebuilding damage to the house’s structure.
Other structures coverage — This assists in covering other buildings on the property, such as a shed or gazebo.
Liability coverage — This helps cover injury or damage to others or their property if the policyholder is held responsible.
Contents or personal property coverage — This helps cover clothes, furniture, electronics and other items in the home if they’re damaged or lost due to a covered cause.
Loss of use coverage — This assists with living expenses in a covered loss, such as temporary housing after a house fire.

For more information on potential coverage options to include in your insurance policy, contact the agents at Policy Goat today.

How much home insurance do I have to buy?

Most mortgage lenders require homebuyers to purchase homeowners insurance before they will approve loan applications. Generally, they will require you to obtain at least enough dwelling coverage for your home’s replacement cost value.

Regardless of any coverage requirement, however, you should always carry this benefit as part of your comprehensive personal insurance package.

What does home insurance cost?

Multiple factors could influence the cost of your home insurance, including:

The value of the home
The home’s location
Your credit score
Security features in the home
Your chosen policy and coverage limits

Our agents are committed to helping clients get the customized policies that are perfect for them. That’s why we’ll work one-to-one with you to determine the best ways to get your home the coverage it deserves, but at prices you can afford.

Contact Our Agency

If you are a homeowner near Levittown, Pennsylvania, our agents at Policy Goat can help you learn more about potential insurance policies for you and your home. Don’t hesitate to contact our agency today at 215-638-1525 for more information.