Home Insurance in Monroeville, PA

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Home Coverage You Can Count On

Monroeville homeowners can minimize the risk of unexpected financial strain in the event of property damage with home insurance in Monroeville PA. Home coverage is helpful in the event that fire, a storm or a water leak causes damage to your home. A VIU by HUB insurance broker can recommend policies that have benefits to make dealing with the unexpected less stressful. Find out more about the types of home insurance coverage that are available in Allegheny County.

Benefits of Homeowners Insurance

Homeowners in Monroeville can shield themselves from unexpected home repair expenses by maintaining insurance coverage. Home insurance can cover the cost of damage mitigation, restoration or a rebuild. The terms and limits of home insurance in Monroeville PA determine which types of damage are covered and the amount of coverage that is available. A VIU by HUB broker can recommend homeowners policies that have the following benefits:

  • Lower out-of-pocket costs: When an insured home is damaged by a covered peril, the property owner can anticipate lower out-of-pocket restoration expenses. It is important to document damage and make a claim in a timely manner to increase the likelihood that damage will be covered under your homeowners insurance policy.
  • Restoration and reconstruction: Home insurance in Monroeville should cover the cost of restoring damage to a home caused by a covered peril. This may only involve minor repairs or range all the way up to rebuilding a residence that has suffered major damage. 
  • Maintain home value: Maintaining homeowners coverage makes it easier to pursue the damage restoration measures that are needed to preserve the value of a residence in Monroeville. Quick cleanup and restoration can reduce the risk of lingering damage that is excluded from home insurance, such as mold.

Covered Perils Under Most Policies

Most homeowners policies provide protection from several of the most common and costly causes of damage. Accidental fires, storm damage and some interior water damage are usually covered by home insurance in Monroeville PA. Find out why insurance is helpful for recovering from any of the following types of damage:

  • Fire damage: Fires caused nearly $7 billion in property damage over a five year period, according to the National Fire Protection Association. The out-of-pocket cost of restoring damage caused by fire to a single home can be thousands of dollars unless a homeowner can make an insurance claim against a policy with adequate limits.
  • Pipe breaks: Damage caused by water released from a broken pipe may be covered by homeowners insurance. While this type of water damage is a covered peril, plumbing repairs may be excluded unless a policyholder can demonstrate that negligence was not a factor. 
  • Storm damage: Severe thunderstorms and winter weather can cause damage that necessitates making a claim against home insurance in Monroeville PA. The costs of repairing exterior or interior storm damage can add up to thousands of dollars, and home insurance with an adequate limit may cover the majority or entirety of this expense.

These are three common causes of damage, each of which can add up to thousands of dollars. These types of damage can also cause secondary damage that may not be covered. Covered water damage that is not extracted and dried within hours can lead to mold, which is excluded from most homeowners policies. For this reason, maintaining home insurance coverage and making claims for damage in a timely manner are essential to maintaining a home in Monroeville.

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