Home Insurance

Home Insurance

Perils such as floods and earthquakes cause extensive damage to homes in Pennsylvania. Home insurance is necessary to protect your home's furniture, structure, and detached structures. It is advisable to analyze home coverage before you purchase it. United Integrity Property & Casualty Agency offers different home insurance options at affordable rates.

Home Insurance Policies

Dwelling Coverage

All homeowners' policies are required to have dwelling coverage. It covers your home, fixtures and attached structures including air conditioners, electric wiring, ceilings, floors and walls against fire, hail, theft, and vandalism. Many homeowners underestimate the value of their homes' market value. Usually, the dwelling insured rate includes the reconstruction cost of your house.it does not include personal items.

Personal Property Protection

Personal property insurance covers all personal items in your house. The replacement cost or actual cash value of your house is vital in determining your policy limit. If you use an unlicensed motorized vehicle in your home, personal property insurance covers it against damage and theft. Also, it offers protection against covered perils such as storms. You can add other endorsements to your coverage to include artwork, electronic data, firearms, and jewelry.

Personal Liability Coverage

Personal liability coverage includes bodily injury liability. It protects you if a guest sustains an injury while in your compound and they sue you for negligence.
Additional Home Insurance Policies

You can purchase extra home coverage options including:

Other Structures Coverage

Other structures insurance protects detached structures including fences, driveways, garages, patios and storage sheds. However, it does not cover structures which you use for commercial purposes.

Flood Insurance

Standard homeowners' insurance does not offer flood coverage. The National Flood Insurance Program (NFIP) regulates flood insurance policies. It is crucial for homes built in areas prone to flooding.

Scheduled Personal Property Coverage

United Integrity Property Agency protects antiques, coins, computers, and jewelry which exceed your homeowners' insurance.it does not have a fixed deductible. You can increase your policy limit to offer extra protection for bank notes and securities.

Home insurance comprises several policies such as dwelling, contents and personal property insurance. United Integrity Property & Casualty Agency is renowned for its homeowners' insurance. We have several agents in Pennsylvania. Use our online rating tools to get a free quote.