Home Insurance in Allentown, PA

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Plan for the Unexpected With Home Insurance Allentown PA

If you're planning to settle in Allentown long-term, you may want to consider buying a home instead of renting. Real estate prices in Allentown are much lower than the state and national averages, while rental prices are higher than the state average. In the long run, your money can go a lot farther when you buy than if you rent.

Buying a home in Allentown also allows you to choose from a rich diversity within the housing stock. If you're looking for a more modern residence, there are newer homes available. However, if you're interested in a home with more character and unique stories to tell, think about one of the historically preserved homes in Old Allentown.

No matter how carefully you plan your home purchase, circumstances can arise to threaten your property. You cannot anticipate an untoward event, many of which strike without warning. However, you can protect your property with home insurance in Allentown PA.

Structure Fires

On average, Allentown sees 188 fires per year, over half of which are structure fires rather than vehicle blazes or outdoor conflagrations. Some years are significantly higher than average. Within the past 15 years, the most fires in Allentown in a single year were 676 in 2010. The number of fires in Allentown showed a decrease in 2018, but for three years prior to that, the number of incidents was trending up. While the trends in Allentown tend to follow Pennsylvania in general, there have been times when the number of fires in Allentown showed an increase from year to year while statewide trends were either declining or holding steady.

As attractive and charming as older homes can be, they weren't always built to the same standard as contemporary homes when it comes to fire resistance. If you do end up purchasing a historic residence, home insurance in Allentown PA is essential to protect you in case of a fire.

Natural Disasters

Allentown doesn't see many more natural disasters than the national average. In fact, the two figures are roughly equal. Nevertheless, severe weather is relatively common, and homeowners who experience damage to their property because of it are typically glad of having home insurance in Allentown PA to cover the costs of repairs or reconstruction.

Allentown is located in the northern part of the country, so many of the natural disasters that do occur involve some form of winter weather:

  • Blizzards
  • Snowfall
  • Snowstorms
  • Winter Storms

Snowfall may not sound very hazardous, but if the snow is heavy and enough of it falls at once, it can bring down tree limbs and sometimes even roofs, especially if they are already damaged.

You may be surprised to know that Allentown also experiences hurricanes and tropical storms. Its location in eastern Pennsylvania puts it closer to the Atlantic coast than many people realize.

Property Crime

In 2018, the most recent year for which data is available, the rate of property crimes, such as burglary and theft, in Allentown was approximately the same as the statewide average. However, for most of the last 15 years, it has been higher, sometimes much higher.

Home Insurance Allentown PA Coverage

At the very least, your home insurance policy should cover the following:

  • Liability coverage (pays damages on your behalf if you get sued)
  • Reconstruction costs for damage to your home
  • Living expenses if a disaster renders your home temporarily uninhabitable

Typically, home insurance in Allentown PA provides coverage for the replacement of valuables, although this is often limited.

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