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Regular homeowner’s policies do not typically cover losses due to flooding. Flood insurance is a specialized type of insurance that addresses this issue. It covers losses from many kinds of flooding. Rising rivers, lakes, streams and creeks all damage homes and businesses. So does melting snow, heavy rain, prolonged rain, and breached levees. Flooding is […]

If you have a high value Pennsylvania home, worth more than $750,000, you need more than standard homeowner insurance. The coverage levels offered by typical homeowner policies are insufficient to protect valuable belongings or unique architectural features. For this reason, the insurance market has custom-crafted policies to protect the homes and assets of high-income homeowners. […]

When it comes to your homeowner’s insurance policy, you should never assume coverage is there when things go wrong — like backed-up sewers, for example. A sewage backup can cause thousands of dollars in damage to floors, walls, electrical systems, and furniture. Not to mention the terrible smell and clean-up process. While you may think […]

While knob and tube wiring were all the buzz back in the day, just as with most things we have found better ways. Especially electrical systems.  Not only are most knob and tube systems majorly outdated, they stopped putting them in homes in the 1940’s. By design, they are far more dangerous than today’s electrical […]

Homeowners constantly receive offers in their mail with promotions explaining opportunities to acquire protection plans for exterior pipes or utility lines. However, most of these customers are unsure if they’re in need of this additional protection. They may believe this is something they already have coverage with under their existing homeowner’s insurance policy. However, this […]