Home Insurance in Freemansburg, PA

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Living in Freemansburg PA

As a small suburb of Allentown, Pennsylvania with a population of only 2,600, Freemansburg is a great place to live. A median home price of $161,200 means housing is affordable, and the suburban feel, great schools, and multitude of parks make it a great place to raise a family. Despite the low crime rate in the area, it's important to protect your home against theft. Freemansburg also has a high tornado index, underscoring the importance of ensuring your home is protected against storm damage.

Home insurance is a necessity, not a luxury, and we at VIU by HUB want to help you find the perfect policy for your needs as a homeowner. Contact us to help you find the best home insurance in Freemansburg PA.

Why You Need Home Insurance in Freemansburg PA

When you purchase a home, your bank or mortgage lender will likely require you to obtain homeowner's insurance, even though it is not mandated by the state of Pennsylvania. Be sure to do your research when looking for an insurance policy, as not all coverage is equal. When there is a total loss, you will want your home insurance in Freemansburg PA to provide adequate compensation, so consider the following issues as you shop:

  • Home repairs: If your home is damaged because of a covered peril such as fire, vandalism, lightning, or tornado, your insurance should provide enough compensation to repair or rebuild your home. Separate riders may be required to cover such issues as flood damage, earthquakes, or lack of home maintenance. You may also need separate coverage for additional structures on your property.
  • Content compensation: In the event of an insured disaster, you can file a claim for most of your home's contents, such as appliances, clothing, and furniture. 
  • Off-premises coverage: You can obtain coverage for possessions that are not tied to your property so that you can file a claim if they're damaged or lost somewhere other than in your home.
  • Valuables replacement: If you own a lot of valuable items such as antiques, artwork, or fine jewelry, you can obtain a rider or umbrella policy to cover them.

Choosing the Best Policy

Homeownership brings a variety of obligations, including ensuring that your most valuable asset is safe from fire, robbery, and other threats. Before choosing a policy for home insurance in Freemansburg PA, you should do some research. It's easy to become overwhelmed when considering your alternatives, so keep these pointers in mind:

  • Determine the amount of coverage you require. The cost of reconstruction should provide the base figure, and the cost to replace your personal belongings should be added to that. Don't buy just enough insurance to cover your mortgage loan; your home insurance in Freemansburg PA should cover a lot more.
  • Consider your options for paying your premiums and choose what works best for your financial situation. You can opt to pay it all upfront or roll it into your monthly mortgage payments.
  • The covered hazards listed in your policy are extremely important. The type of policy you obtain should be appropriate to the type of building you live in. Also, consider the typography of your area while deciding whether you require flood or hurricane insurance.
  • Deductibles of $500 or $1000 are usually required when filing a claim. Higher deductibles generally equate to lower monthly premiums.

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