Home Insurance in Williamsport, PA

Coverage for Lycoming County Homes

Home insurance policies cover property damage restoration costs. VIU by HUB brokers can recommend the best home insurance in Williamsport, Pennsylvania, PA that protects against fire, water and severe weather. The median home price in Williamsport is up 15% year over year, and homeowners insurance is the best way to protect your investment. Many policies also offer helpful benefits should your home suffer major damage. Learn more about how a VIU by HUB broker can help you secure home coverage.

What Most Home Insurance Policies Cover

Homeowners insurance protects your home from damage caused by covered perils. The limits of policies vary, making it important to select the right home insurance in Wiliamsport PA. A VIU by HUB broker can discuss your insurance needs, starting with the value of your home and an assessment of likely hazards. The policy you select should provide sufficient coverage for restoration or reconstruction in the event of major damage. Most homeowners policies include coverage for several types of damage: 

• Fire damage: Fire can result in thousands of dollars of damage to a home. Homeowners policies cover the cost of cleaning up and replacing damaged building materials and contents after an accidental fire.
• Storm damage: Thunderstorms and winter weather can both cause damage to homes in Lycoming County. Look for a policy that can cover exterior and interior damage caused by inclement weather.
• Water damage: Interior water damage caused by a pipe burst is a covered peril under most homeowners insurance. Policyholders should carefully review the terms of this coverage and determine whether additional flood insurance is necessary.

Extra Coverage for Williamsport Homeowners

Other risks that cause major property damage, such as flooding due to heavy rain or rising surface water, may be excluded from home insurance in Williamsport PA. Additional coverage in the form of a rider, an endorsement or a separate policy may be necessary depending on the hazard. A VIU by HUB broker can help you customize a primary policy or get additional coverage in the following areas:

• Flood insurance: Flooding caused by heavy rains or rising bodies of surface water can breach a home and cause major damage. A separate policy is necessary to cover the costs of restoring or rebuilding a residence exposed to contaminated water originating outside.
• Personal umbrella: A personal umbrella policy can effectively raise the liability limit of homeowners insurance. A VIU by HUB broker can recommend solutions for increased protection from legal liability through a personal policy and policies that protect valuable assets such as vehicles or a Williamsport home.
• Sewer damage: Sewer backups are another type of damage that is often excluded from homeowners policies. Additional coverage for this type of damage can be beneficial if contaminated water and solid waste back up into the basement or lowest level of a residence in Williamsport.
• Valuables coverage: Valuable assets such as automotives, jewelry and fine art require additional insurance coverage. VIU by HUB brokers can recommend solutions for covering these items in case of damage or theft.

Your home may require additional coverage for hazards cut out of basic homeowners insurance coverage. Supplemental coverage also makes it possible to insure valuables that might otherwise exceed the limited amount of coverage for the contents of homes included in home insurance in Williamsport PA. Ask a VIU by HUB broker about the best approach to  personal liability and automotive insurance for complete protection.

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