Protect What Matters Most With Homeowners Insurance
Your home is one of the most valuable assets you own. Consider getting homeowners insurance coverage to protect what matters most.
Get Started With a Free Quote From Strock Insurance
Strock Insurance provides free quotes for homeowners insurance to help you find the best rates for your needs and budget. Our access to a wide range of insurance companies gives our options additional flexibility.
What Can You Cover With Homeowners Insurance?
Homeowners insurance is a financially preventive measure to cover the costs of repairing your home and replacing your possessions after a damaging event. It can also protect the people inside your home and provide temporary living situations if your home is unavailable for an extended time. Without this coverage, expenses can add up quickly.
Buying and maintaining a home is a significant lifetime investment that requires protection. However, finding the proper protection on your own can be tricky, especially with all the coverage options available.
Strock Insurance offers several home insurance packages to cover a variety of needs, such as:
- Disaster damage recovery: If a disaster — such as a fire or a storm — damages your home, the property will be assessed and covered to a certain amount. Keep in mind that each plan does not cover all disasters. For example, flood insurance is separate for those in affected areas.
- Personal belonging coverage: Replacement of your belongings can be covered up to a certain amount in the event of theft or disaster. Depending on your package, your insurance may cover your property and belongings while you travel.
- Structural damage repair: If lightning strikes your roof or high winds unhinge your attached garage door, homeowners insurance can repair or replace structural damages. Certain outbuilding detachments — like damaged sheds or separate garages — may require additional coverage.
- Liability protection: Homeowners insurance covers you if someone hurts themselves on your property. These policies protect you from paying for costly damages after injuries.
- Equipment breakdown support: The breakdown of essential home appliances can be expensive and inconvenient. A home warranty and breakdown coverage eliminates stress from unplanned costs and provides your family with that extra security.
- Living expenses: If your home is damaged to the point that it is unlivable for a time, homeowners insurance can assist in paying additional living expenses. Keep your family safe and comfortable with coverage that includes emergency accommodations.
What Kind of Homes Qualify for Homeowners Insurance?
We understand that many people’s definition of “home” falls outside a traditional house. Strock Insurance provides homeowners insurance for all kinds of homes throughout central Pennsylvania. Whether you live in an apartment, mobile home, rental property, condo or seasonal home, we have you covered.
Specify Your Insurance Needs
Even with specific needs, your coverage can fall within three wide categories.
Basic Home Coverage
This package protects from frequently seen damages to homes, like fire, lightning, smoke and theft. As the name suggests, this plan is the most simplistic. You may need to list what personal belongings you need to be covered — many may not be applicable under this plan.
Broad Home Coverage
Broad home coverage encompasses more damages and disasters than the basic plan, including falling objects and freezing HVAC systems. This plan can cover personal belongings and liability protection. This way, you can receive reimbursements at cash value if damage occurs to furniture, jewelry or apparel.
Special and Comprehensive Coverage
As the most common form of homeowners insurance, this coverage encompasses everything in the broad policy and more. You can expand your insurance to other structures on your property, including decks, garages and sheds.
Contact a Strock Insurance Near You Today
Strock Insurance can provide you with the lowest rates and comprehensive coverage. As a local independent insurance agency, we can provide solutions at competitive rates, from getting a new policy to switching to a lower rate. Our insurance specialists will work with you to ensure you get the best deal for your home. Contact an office near you in Lebanon, Camp Hill or Harrisburg, PA, today!
