Home Insurance in State College, PA

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Finding the Right Home Insurance in State College

As the name implies, State College, PA, is a college town that is home to Pennsylvania State University's University Park campus. The largest borough in Pennsylvania, the area is home to more than 42,000 college students, young families, professors, and more. Homes in the area cost an average of about $329,000. Finding traditional coverage for home insurance in State College requires a bit of research and understanding of what you need and what you can expect to get.

Know What Affects the Price of Your Coverage

Several factors affect the premium you'll pay for your home insurance in College Station. In addition to the expected cost to rebuild your home if necessary, agencies consider what your home is made of, the distance between your home and the nearest fire department, how old your home is, what condition it is in, and whether it already has a claim history. Other factors that may come into play is whether you have working security devices and sprinkler systems, whether you have recreational equipment that could cause injuries, and what type of pets you have. 

Your own choices factor into your premium as well. Consider how much you'll want to pay for your deductible, whether you want to bundle insurance policies, such as your home and auto insurance, and your credit history. VIU by HUB always does our best to meet your needs at a price you can afford.

What To Expect From Your Coverage

When people consider home insurance in College Station, they often mistakenly believe it only covers the home itself. In reality, a homeowner's policy provides protection for a variety of property and situations. 

  • Dwelling –The home itself is covered in the event of vandalism, many natural disasters, and situations when heating, cooling, or electrical wiring causes damage.
  • Other Structures –Outside of your home, your insurance protects your garages, sheds, barns, fences, and many other types of buildings that are on your property but not attached to your house.
  • Personal Property –A good policy also protects your personal property. Furniture, appliances, and clothing are often covered. In addition, your jewelry, electronics, tools, and other expensive items are covered up to a certain amount per item.

Your homeowner's insurance should also provide coverage if you need to rent a home or live in a hotel while your home is being repaired or rebuilt after filing a claim. There is also medical coverage if someone is hurt on your property and personal liability insurance in case the injured person tries to sue you. Personal liability insurance extends to some off-property situations as well, such as if your dog bites someone while you are walking it.

Ensure You Have a Policy That Fits Your Needs

Although a homeowner's policy covers quite a lot, home insurance in State College won't protect you from everything. Consider your individual needs when purchasing a policy and any add-ons. Do you live in a home with old pipes or that is near a riverbank that floods often? You'll probably need to purchase an additional flood policy. Earthquakes aren't common in Pennsylvania, but they do happen from time to time. If you want to be extra protected, you'll need a policy specific to earthquakes. Other situations that may require additional coverage is if you own fine jewelry or art, or if you run a business out of your home. You'll still need business insurance, as your inventory won't be covered under your homeowner's policy.

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