- “Home insurance covers any damage to my home.” This isn’t necessarily true. Whether or not an insurance policy covers damage will be determined by the type of event that caused it. For example, many local residents believe that they are covered for flood damage under their PA home insurance, but the fact is that flood insurance policies are sold separately.
- “Home insurance only covers the personal possessions within the house.” Parents who send their children off to college often wonder what will happen if one of their kids’ valuable possessions are stolen or damaged at school. For students who live in the dorms, their parents’ home insurance may provide coverage.
- “Home insurance covers my home-based office.” While home insurance may provide some coverage for business materials that are stored in a person’s home, it may not be enough to cover the cost of special equipment that incurs damage. Furthermore, a home insurance policy will not provide protection if an individual visiting the homeowner for business purposes experiences an accident while on the property. This is why many people who work from home obtain a business insurance policy.
The professionals at Connor-Helring Associates know that insurance can seem like a foreign language to people who aren’t familiar with it, which is why they are happy to share their expertise whenever possible. Homeowners who have questions about the limitations of their PA home insurance should ask a local agent as soon as possible, because people can never be too safe when it comes to protecting major investments like their home.
About Connor-Helring Associates, Inc.:
Located in Scranton, Pennsylvania, the team at Connor-Helring Associates is committed to providing the local community with superior insurance products they can rely on. Over the years, Connor-Helring Associates has become a proud part of the Keystone Insurers Group and has developed into an all-inclusive, client-focused insurance brokerage—dedicated to offering all of Pennsylvania State the most effective coverage strategies.
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