Home Insurance in Wescosville, PA

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Protect Your Wescosville, Pennsylvania, (PA) Home

Preserve the condition and value of a residence in Lower Macungie Township with home insurance in Wescosville, Pennsylvania, ( PA). This community between Allentown and Trexlertown is valuable real estate, with a median home value over $380,000. Coverage for Lehigh County residences reduces unexpected out-of-pocket expenditures for repairing damage caused by covered perils. Learn more about the basics of home insurance and contact a VIU by HUB broker to customize a policy and get a quote.

Homeowners Insurance Coverage Basics

Homes in Wescosville, PA may be at risk of fire, storm or water damage. Most homeowners policies provide coverage in these broad areas, though the terms may specify conditions on which damage is covered. VIU by HUB brokers review policies to ensure that homeowners are aware of the level of coverage a policy provides and any limits on coverage. There are several facets of home insurance that it is helpful to understand when comparing policies: 

  • Covered perils: Home insurance in Wescosville, PA typically covers fire, water and storm damage. Carefully review the terms of a policy to determine whether damage from any particular source is covered.
  • Policy exclusions: An insurance policy may also explicitly exclude certain types of damage. Options may be available to restore cut out coverage, either through separate, specialized policies or endorsements or riders on a homeowners policy.
  • Endorsements and riders: A homeowners insurance policy may be customized with endorsements or riders that include coverage that was otherwise cut out of a policy. Some types of damage, such as flooding, may require a separate policy.

Options for Comprehensive Coverage

Each homeowners insurance policy covers specific perils, and coverage can vary between policies. Policies also cut out certain perils, but this coverage can often be restored through endorsements or riders. VIU by HUB brokers can recommend options for obtaining coverage for any perils that are excluded from a policy as well as for valuable contents that could otherwise exceed policy limits for the contents of insured homes. Here are a few home coverage options for owners of residences in Lower Macungie Township:

  • Flood: Heavy rain or rising bodies of surface water may cause flooding that affects homes located in the south-central Lehigh Valley. Discuss flood insurance for homes in Wescosville, PA with a VIU by HUB broker to get a policy with appropriate limits for your home based on its location.
  • Liability: Home insurance in Wescosville includes limited liability coverage for injuries or damage that another person suffers at your residence. A VIU by HUB broker can recommend a personal umbrella policy to raise this limit and extend your liability protection beyond your home for more complete coverage.
  • Fine art: Artwork can be among the most expensive and rare items in a home. Ask a broker about coverage for fine art displayed in your home in Wescosville, PA.
  • Jewelry: Fine jewelry and other high-dollar assets can also benefit from being insured independently of home insurance. Most homeowners policies have relatively low limits for replacing losses in terms of the contents of a residence.

A VIU by HUB broker can help you assess your coverage needs for home insurance in Wescosville, PA. Homeowners insurance policies provide a good base level of coverage, but additional coverage for excluded perils or valuable items can ensure that your personal assets are protected. It is also possible to get coverage for other valuable assets such as auto or watercraft insurance. Liability coverage is also an important part of any insurance policy.

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