Home Insurance in Wilkes Barre, PA

Protecting Your Wilkes-Barre, Pennsylvania, (PA) Investment

The housing market in Luzerne County is on the upswing. Home values are rising, and demand is increasing. Whether you live on the North End, in Mayflower or the Iron Triangle, you have made a significant investment in your dwelling. That's why VIU by HUB is ready to help you protect your purchase with Wilkes-Barre, Pennsylvania, (PA) home insurance.

While home insurance is not a requirement under Pennsylvania law, most lenders require you to have enough insurance to cover the amount of your mortgage. Most homeowners opt for more than minimum coverage so that their home and its belongings are fully protected in the event of a peril.

Coverage When You Need It

Fortunately, Wilkes-Barre, PA property crimes are on the decline. No area, however, is immune to burglary and vandalism. A Wilkes-Barre home insurance policy can offer you protection if your house is ever subjected to a property crime.

Fire damage can happen to any home, anywhere. Smoke and water damage usually follow, and you may also need to relocate temporarily. All of these factors can add up financially. A fire can feel devastating and overwhelming, but VIU by HUB brokers have experience dealing with these kinds of claims. We can help you through the process, getting you back to normal as swiftly as possible.

Safeguarding Against Weather Events

In the humid continental climate where your Luzerne County home is located, several types of weather events can affect your property.

Our area experiences a significant amount of rainfall each year. Homeowners should stay prepared in case of heavy rain that can cause flooding or leaking. Ask your agent how to protect your home with a flood insurance policy.

Winters in Wilkes-Barre can take a toll on your home. Frozen water pipes from extended cold spells and roof damage from heavy snow are possibilities in our area.VIU by HUB agents are familiar with Pennsylvania weather, and they understand what coverage you need in the event of snow or ice damage.

Thunderstorms can bring high winds and hail along with heavy rain, all of which can cause damage to your roof, windows, doors and property outside your house. Pennsylvania experiences a moderate amount of tornadoes each year; fortunately, Wilkes-Barre, PA home insurance can offer protection from property damage if disaster strikes.

Insurance for Inside and Outside

Your home is more than just a roof and walls; it is the haven that holds your belongings and treasures. A home insurance policy from VIU by HUB protects your furniture, appliances and electronics in addition to the exterior of your dwelling.

If you own valuable items such as fine art, jewelry or other high-end pieces, talk to your VIU by HUB agent about your policy. We offer higher special limits than most companies. We can also include unlimited coverage for your house and outbuildings as well as your personal property.

If you are building or remodeling, we can offer you course-of-construction insurance. This Wilkes-Barre, PA home insurance coverage will protect your home while it's being constructed or undergoing a major remodeling project.

Personal Liability Protection

No one likes to think of the possibility of someone being injured on their property. Unfortunately, such events can happen to a guest at your home. Our Wilkes-Barre, PA home insurance can offer you personal liability protection if someone experiences unintentional bodily injury or property damage while at your residence. Personal liability insurance can cover medical bills, legal fees and more.

This information is intended for general informational purposes only and is not intended to constitute legal advice.