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Homeowners Insurance Agency in Pennsylvania & Florida

Make sure your most significant investment — your home — is adequately covered by insurance. To compare quotes on homeowners insurance in Pennsylvania, rely on The Jeff James Agency Agency. Our independent insurance agency works with a multitude of companies to find you the best deal. Call us to talk to one of our agents and we will work hard to provide you with affordable homeowners insurance in Pittsburgh, PA. Homeowners insurance covers loss and damage to your house and the assets inside. It also provides liability coverage against accidents in the home or on your property. In an imperfect world, the unexpected can happen and you want to be prepared for it.

For those of you with a mortgage, the bank requires proof of insurance before it issues such a document to you. Payments toward the policy are usually included in the monthly payments for your mortgage. The lending bank allocates a portion for insurance coverage to an escrow account. For those without a mortgage, insurance is still necessary for it provides money to repair or replace your house in the event of an accident, storm, or fire. When you are seeking assistance from a dependable home insurance company in Pittsburgh, PA, you can count on the team at The Jeff James Agency

CONTACT AN AGENT TODAY

8 Types of Homeowners Insurance Policies

  • Basic Form
  • Broad Form
  • Special Form
  • Tenants Form
  • Comprehensive Form
  • Condo Form
  • Mobile Home Form
  • Older Home Form

Your homeowners insurance policy usually covers four major categories of damage, loss, or injury on your property. When claims are made in any of these categories, you, as the homeowner, pay a deductible and any out-of-pocket costs. Your homeowners policy contains a liability limit which determines the amount of coverage. The four major categories covered are:

  • Interior Damage
  • Exterior Damage
  • Loss or Damage of Personal Assets
  • Injury That Arises While on the Property

There are some things that aren’t covered by a typical homeowners policy, such as Acts of War or Acts of God. Acts of God refers to natural disasters, such as earthquakes, floods or mine subsidence. However, other weather-related disasters, such as hurricanes and tornadoes are included in your basic homeowners insurance policy. To ask questions about what is and what isn’t covered, talk to one of our insurance agents.

Optional Home Insurance Coverages

  • Flood Insurance
  • Earthquake Insurance
  • Replacement Cost Plus Insurance Insurance
  • Sewer Line Protection
  • Other Structure Insurance
  • Personal Umbrella Liability Insurance
  • Medical Payments Coverage Insurance
  • Ordinance or Law Insurance
  • Valuables Plus Insurance
  • Brand New Belongings Insurance Insurance
  • Better Roofing Replacement Insurance

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