Home Insurance in Bryn Mawr, PA

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Residential Damage Coverage

Home insurance is one of the most important types of personal coverage. These policies protect your home, minimize out-of-pocket costs to repair damage and can provide other benefits to policyholders. VIU by HUB insurance brokers can recommend the right home insurance in Bryn Mawr PA. From an investment perspective, homes in this region have increased in value 12.5% year over year. Homeowners insurance makes it easier to respond to damage quickly and preserve the value of your property.

What Homeowners Insurance Covers

Most homeowners maintain insurance policies to reduce unexpected expenditures if a home suffers damage. Home insurance policies cover some of the leading causes of residential property damage, any of which can result in thousands of dollars in restoration costs. Here are three risks covered by home insurance in Bryn Mawr PA:

  • Property damage: Damage to residences caused by covered perils such as fire, storms or water is the primary reason to have homeowner’s insurance. Ask a VIU by HUB broker about which perils a policy covers and relevant limits to determine the right level of coverage for your home.
  • Owner liability: Liability protection for injury to others or damage to another person’s property is also included in many home insurance policies. A personal umbrella policy can supplement liability coverage.
  • Limited contents: Coverage for a set value of personal possessions stored in a home is included in homeowner’s insurance. These limits tend to be low, making it worthwhile to customize a policy and seek additional coverage for very valuable assets.

Additional Policies for Homeowners

Residents of Bryn Mawr can also get peace of mind by insuring other valuable assets and obtaining personal liability protection. Investing in insurance can significantly reduce expenditures in the event of a disaster or the theft of valuables. Review policies, endorsements, or riders with a VIU by HUB broker to make sure that you get the level of coverage you need. A broker can help you choose from the following types of policies:

  • Automotive: Auto policies that provide liability protection for bodily injury, medical benefits and property damage are available for residents of Pennsylvania. Based on the terms, a policy may also provide actual cash value, an agreed value, or the replacement value of a vehicle.
  • Fine art: Fine art that is displayed in a Bryn Mawr residence can be covered by insurance to protect your investment. Ask a VIU by HUB broker about policies that cover the value of artwork in your home.
  • Flood: Flooding is excluded from most home insurance in Bryn Mawr PA. Adding this coverage can reduce the cost of cleaning up damage caused when heavy rain or rising surface water breach the enclosure of a home.
  • Jewelry: Jewelry is often among the most valuable possessions people own. Additional coverage is recommended for costly or rare pieces and other contents of a home.
  • Liability: Homeowners in Bryn Mawr can get additional liability coverage that extends beyond the liability protection that is included in homeowners’ policies. Ask a VIU by HUB broker about personal umbrella policies.

Homeowners insurance primarily covers building materials. Most policies include a limited amount of coverage for contents. Additional coverage for valuables inside of a home can be helpful for preventing these items from maxing out a policy limit. A personal umbrella policy for liability can also be helpful for raising the liability limits included in Bryn Mawr home insurance. 

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