Home Insurance in Philadelphia, PA

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Loving Life in the City of Brotherly Love

Life in the city of Brotherly Love is much more than the Rocky movie references, melt-in-your-mouth cheesesteak sandwiches and Liberty Bell. Philadelphia is on the map for several reasons, and for those who call Philly home, there is a lot to love about the fifth largest city in the United States. The history of this great city dates to the earliest moments of America, but one of its crowning jewels is Independence Hall where the Declaration of Independence and the U.S. Constitution originated.

For a more modern nod to American culture, take a visual trip through the Mural Arts. These art masterpieces adorn city walls and help community residents and tourists alike embrace the idea that art can ignite change. A trip through Philly isn’t complete without stopping in one of the many high-end dining locations spread throughout the city, though grabbing a cheesesteak or hoagie won’t disappoint either.

Living in and around this great city is more affordable than many of its metropolitan counterparts around the nation. When compared to other major cities, Philadelphia boasts of reasonable cost-of-living prices that make it possible for middle-class families to own a home close to the city’s boundaries. The high rate of ownership for Philly shows just how attainable homeownership is in the city that was once the capital of the United States. To keep homeownership a possibility, VIU by HUB offers homeowners insurance in Philadelphia that addresses key risks and liabilities.

Liabilities Covered by Homeowners Insurance in Philadelphia

Homeownership is a huge achievement for any individual or couple, but the joy of having a place to call your own can be marred by the legal and financial liabilities ownership presents. In addition to protecting yourself, your family and your belongings, there is a responsibility to protect those who come onto your property and the physical structure of your home. Financial protection should address the risks of damage from storms, burglary, vandalism, or fire, but your homeowners’ insurance in Philadelphia should also cover visitors to the property.

Winters in Philadelphia can bring ice and snow, which increase the risks of slips and falls for guests, delivery personnel or others on the property. Dangerous conditions left unaddressed are liabilities, whether its equipment left in the pathway of passersby or a leaking roof. The risks are many, but the Philadelphia homeowners insurance solutions provided by VIU by HUB are comprehensive. Coverage options address:

  • Third-party property damage
  • Structural damage
  • Personal belongings
  • Personal injury

Expenses Covered by Homeowners Insurance in Philadelphia

The term liability can be considered a financial obligation for a specific event. As a property owner, you are liable for any events that take place on your property whether the event was accidental or due to negligence or oversight. If your dog is left unrestrained and a delivery driver is bitten, you could be held liable for the medical costs and damages for the individual. Most often, you maintain liability if you failed to make your property or home safe for visitors and if you were negligent in some way.

The nature of the incident determines the resulting expenses, but liability insurance would potentially cover the following elements:

  • Medical expenses associated with treatment, therapy, and rehabilitation of the injured party
  • Expenses associated with repair or replacement to another’s property
  • Legal expenses if you need to be defended in court

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