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.
Our Harrisburg office offers expert home insurance coverage tailored to homeowners throughout the 17101 and 17112 areas
Get Started With a Free Home Insurance Quote
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.
Whether you own a condo or a historic home in Camp Hill, we can insure your property with flexible home insurance options
Homeowners Insurance Coverages
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 damage. Certain outbuilding detachments — like damaged sheds or separate garages — may require additional coverage.
- Liability protection: Liability coverage protects you financially 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 Kinds of Properties 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. We can help you choose the following:
- Renters insurance: Many landlords require tenants to acquire a renters insurance policy, which covers the tenant’s personal belongings if a man-made or natural disaster occurs. For example, the policy may offer reimbursement if an apartment bathtub floods and damages a tenant’s living room furniture.
- Landlords insurance: Landlords can get comprehensive landlords insurance to cover the physical structure of the rental property and anything they own and provide to tenants, like stoves, microwaves and laundry machines. Investing in liability coverage can cover any injuries or damages to the property in spaces such as walkways, shared spaces and recreation areas.
- Condo insurance: A comprehensive condo insurance policy should cover the interior walls of the property, personal property inside the condo in case damage occurs and personal liability in case someone gets hurt or injured while inside the condo. Tenants can invest in additional coverages for flooding, earthquakes and expensive personal belongings that exceed the standard coverage limits.
- Mobile home insurance: While mobile home insurance isn’t mandatory by law, many mortgage companies and mobile home parks require proof of insurance. The insurance can offer coverage for many scenarios, such as repairing roof damage after a storm, replacing your locks and keys after a burglary or paying for emergency first aid after loved ones or pets are injured on the property.
- Seasonal home insurance: The right insurance for a vacation property depends on several factors, including the home’s location, condition and age. Because seasonal homes are intended as secondary residences, they typically have special exclusions or inclusions.
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.
Why Choose Strock Insurance?
Strock Insurance is a trusted insurance broker around Camp Hill, Harrisburg, Lebanon and other locations throughout Central PA. Our locally owned and operated insurance agency is committed to providing personalized services and support. We get to know you to build a trusting relationship with you over time. We offer:
- Experienced professionals: Our insurance company has served over 10,000 customers since 1983. We stay current with the latest market changes and offerings to help you achieve your personal and business-related goals.
- Comprehensive solutions: We’re your one-stop shop for insurance options. In addition to offering property insurance, we can help you select auto insurance, business insurance and life insurance that meet your needs and budget.
- Helpful resources: As an independent insurance agency, we complete thorough research to find the most competitive pricing options for our customers. When you work with us, we can answer your questions and offer valuable resources to help you feel confident making informed decisions.
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!
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:
