When you buy a home, you choose one that fits your tastes, your lifestyle and your budget. Choosing your home insurance is pretty much the same. Home insurance is not a one size fits all, it needs to be customized to you and your home. At the Warren Carr Insurance Group, our customers are treated like family and we know that Pennsylvania residents have specific needs. We take the time to make sure that your home insurance is as specific as your home and that you are not paying for things that you don't want or need.
Home insurance is not mandatory in Pennsylvania, but that doesn't mean however that it is not necessary. If you have a mortgage, your lender will require that you carry home insurance to protect their investment in your home. It is up to you to make sure that the insurance that you choose covers your personal possessions and gives you all the liability insurance that you need to feel secure.
Building - Home insurance covers the physical structure of the home and attached structures such as a garage, a deck or a screen porch. It also covers a building on your property that is not attached, such as a detached garage, casita or shed. Always read a policy to see if any certain structures may be excluded
Contents - You have a lot of personal possessions, furniture, clothes, decor, electronics, appliances and things too numerous to list. You want to be sure that you will be able to replace them in the event of a covered disaster.
Liability - You have worked hard to get where you are and if you have assets, you are vulnerable to legal action against you. If someone is injured by a family member - even a furry one - while visiting your home, you need to have the insurance to protect yourself."
At the Warren Carr Agency, we know how important your home is to you and how much you want to protect it. You can use our online rating tool, give us a call or stop by our office for a no-obligation quote.