Homeowners Insurance in Beaver Falls, PA
Homeowners insurance can help with financial losses from unexpected disasters or accidents. Without this coverage, homeowners must cover costly incidents out of their pocket.
What Does Home Insurance Include? 
Home insurance can provide financial protection against property damage or loss. It typically includes the following types of coverage:
- Personal property coverage may cover your belongings in case of theft, damage or destruction. Some policies may limit certain valuable items, so additional coverage might be necessary for high-value items like jewelry or artwork.
- Dwelling coverage may cover the structure of your home, including walls, roof, floors, built-in appliances and other structural components, against risks like fire, wind and hail.
- Liability coverage may help pay for medical expenses and legal fees if someone is injured on your property and you are found responsible.
- Additional living expenses coverage may help cover temporary living costs, including hotel stays, meals and other essential expenses if your home becomes uninhabitable due to a covered peril.
- Other structures coverage may extend coverage to structures on your property that are not attached to the main house, such as garages, sheds or fences.
Home insurance policies may have limitations and exclusions, and coverage can vary based on the insurance provider and the specific policy.
Some natural disasters (such as floods and earthquakes) may not be covered by a standard home insurance policy, necessitating separate coverage. When considering home insurance, carefully review the policy terms, coverage limits and any optional endorsements or additional coverage that may be available.
Reliable Home Insurance Provider Near You
If you’re looking for a homeowners insurance policy or want to assess your current coverage, contact Burkhead Insurance Services.