What Does Home Insurance Cover?

You love your house and have put a lot of money, time, and energy into it, so you want to ensure it is adequately protected. Our agents at the Options Insurance Agency serving the Hershey, PA area want you to know that the best way to protect your home is by having a home insurance policy in place.

What Does Home Insurance Cover?

You never know when a horrible event will happen, such as a fire, vandalism, or a natural disaster, which is why you should have an adequate amount of home insurance for your house.

You may be wondering what a home insurance policy covers. First, it will cover the structure of your house, including the walls, floors, and roof. You can obtain a home insurance policy covering other structures on your property, such as sheds, garages, and decks.

A home insurance policy will help you replace your personal belongings, furniture, electronics, appliances, and other items if a disaster occurs.

Another aspect of home insurance is that it can be helpful if someone is injured on your property. For example, if someone stops by to visit you and falls on the steps of your front porch and is injured, your home insurance policy can help pay their medical bills and other expenses. This type of liability coverage can even help you pay your legal fees if the person sues you in court.

Contact Options Insurance Agency

Home insurance is one of the most important policies to have when you are a homeowner. Call upon our agents at the Options Insurance Agency serving the Hershey, PA area today to create the best home insurance policy for you and your home.

What is the benefit of having home insurance in Pennsylvania?

Owning a home can be a great option in the Hershey, PA area. There are a lot of advantages that come with home ownership, including having a consistent place to live and owning an asset that could appreciate in value. While there are advantages to owning a home, you do need to ensure your home is covered and protected. One of the ways you can do this is with insurance. Full home insurance will provide various benefits for policyholders.

Coverage for Assets

An important reason that you will need to have a home insurance policy for their house is so they can cover the asset. A full home insurance plan covers the dwelling and your belongings. If you are a victim of fire, theft, or other covered risks, you will have support to replace or repair your home and personal items up to the policy limits.

Mitigate Liability Risks

Getting home insurance to offset your liability concerns would also be a great idea. There continues to be a risk that you could be named liable for an accident on your property. If this happens, the financial costs of covering damages can be significant. If you have a home insurance plan, you will have liability insurance to offset this risk. 

It will be essential for people in the Hershey, PA area to ensure they are properly covering their homes. When looking for a way to cover your property, contacting our team with the Options Insurance Agency would be a good idea. When you call our professionals with the Options Insurance Agency, you can get the support you need to understand your insurance options and build a policy that meets your needs. 

What Risks Are You Facing as a Home Owner Without Home Insurance?

Are you a homeowner, or are you thinking to become one? Then it would be best if you understood how important and necessary it is to have home insurance to protect your property and personal belongings. Many people decide to skip home insurance to save money. However, doing it is a bad idea, and here is why. 

Risks of Not Having Proper Home Insurance

If you decide not to carry home insurance for your property, here are the risks you may face:

  • Out-of-pocket costs. Home insurance aims to pay for damages and repairs to your home. If you do not have insurance, you must pay for everything yourself.
  • No liability protection. Home insurance also protects you as a homeowner if someone is injured at your home. You are responsible for all medical bills and legal charges without insurance coverage. 
  • Not being able to sell your home without insurance. If you ever decide to sell your home, it can be difficult, if not impossible, for you. Homes without insurance are undesirable for many homebuyers. Also, many realtors will not even show properties without home insurance. 

As you can see, having home insurance is a necessary and valuable investment in the long run. 

Options Insurance Agency Serving Clients in Hershey, PA

Are you a lucky homeowner in Hershey, PA, or any other nearby town? Are you looking for home insurance to protect your home? You should contact Options Insurance Agency. We specialize in many types of insurance, including home insurance. If you want to know more about the insurance options we offer or have other questions, feel free to contact us. 


Does Home Insurance Cover Severe Storm Damage?

Like much of the country, Hershey, PA sees its share of severe storms throughout the year. While many are a show of lightning or strong winds, others can cause minor to significant damage to your property. The question is, does your home insurance policy cover severe storm damage?

Coverage Range

According to the agents at Options Insurance Agency, several natural disasters are covered by standard home insurance policies. These include damage due to hail, wind (including tornadoes), or lightning. A typical home insurance policy also covers fires created by these natural occurrences.

What is not Covered?

The following issues aren’t covered in a policy for a Pennsylvania home:

  • Mudslides
  • Landslides
  • Floods resulting from storms
  • Earthquakes

You can obtain coverage for these issues by adding a rider to an existing home insurance policy. In the case of floods, your mortgage company may ask you to purchase insurance to cover this natural disaster if you live near a water source.

What if I Don’t Get a Rider?

Overall, you may not need a rider for the items mentioned above. For instance, if you live in an area that’s not near mountains or a river, you probably don’t need additional coverage for mudslides or floods. If you’re unsure, speak to an insurance agent for guidance.

In the end, protecting your home is of utmost importance, so you want to maximize your coverage of natural disasters. Work with representatives at Options Insurance Agency to determine the proper value to handle severe storm damage. Additionally, ask if there are any riders you should include in the policy. 

When will it be helpful to have home insurance in Hershey?

Those that reside in the Hershey, PA area can find it to be a great place to live. When you want to own a property in this area of the state, you also need to make sure that you are assessing all of your insurance needs properly. There are various situations when it can be helpful for someone to have home insurance when they are in this area. 

When Named in a Liability Claim

One situation when having home insurance will be a good idea is when you are named in a liability lawsuit. If there is an accident in your home that you are deemed responsible for, you could be held liable for damages incurred by the other party. If you do have home insurance, you should have insurance support to protect you against these types of claims. 

When You Incur Damages to your Property

You also will be happy to know that you have home insurance if you have incurred damages at your property. If your home has been damaged in any type of accident, the costs to fix your property can be significant. Fortunately, if you continue to maintain home insurance, you will have support to cover these costs. Your home insurance plan will give you coverage for losses you incurred for both your dwelling and your personal assets stored within it. 

If you have decided that you want to purchase a home in the Hershey, PA area, it would be a good idea for you to have coverage at all times. Those that are looking for insurance protection in this region should always call the Options Insurance Agency. The team with Options Insurance Agency can help you fully assess your options and choose a plan that will give the best support possible. 

Supplemental Insurance Policies for Your Home

As a homeowner, you want to maintain and protect your investment. A general homeowner’s insurance plan offers a wide range of coverage, from the structure of your home to personal belongings. However, there are some common exclusions to what your insurance policy may cover; exclusions that could ultimately have a negative financial impact should something happen to your home. 

There are countless supplemental insurance policies you can purchase that will offer additional protection for your home. Not only will these take effect in certain circumstances, but when difficulties arise, the homeowner won’t have to bear the financial weight alone. Knowing a policy in place gives homeowners peace of mind. Let the experts at Options Insurance Agency in Hershey, PA help you find the right supplemental policy!

Supplemental Insurance Policies to Consider for Your Home (H2)

Flood Insurance (H3)

One element that is excluded from all homeowner’s insurance policies is flood insurance. If you live in an area prone to flooding, this type of policy is a must. For those in low-lying coastal regions, hurricane insurance is an additional option. 

Most flood insurance policies cover a wide range of home flood situations. For instance, if a pipe bursts in your home, a flood insurance policy can offer coverage where your regular policy would not. Water damage takes a heavy toll on the home and the wallet. A flood insurance policy will bear the brunt of that impact.

Underground Service Line Coverage (H3)

Beneath your home and yard, there are numerous pipes and underground cables that transport water, waste, internet, and cable to your home. As the home and property owner, you are responsible for any damage done to these lines. Outside of your property line, it is the city’s responsibility.

Many homeowners find themselves in a bind after digging in the yard and breaking a pipe or cable. An underground service line supplement policy will help you bear the weight of the financial responsibility.

Understanding Home Insurance Personal Property Coverage

There’s nothing like the excitement of purchasing your first home. Part of homeownership is protecting your property. Home insurance from Options Insurance Agency offers coverage for both your Hershey, PA home and belongings to protect what’s important to you. Here’s what you should know about personal property coverage.

Understanding Personal Property Coverage

Personal property coverage protects your belongings. This includes your clothes, jewelry, furniture, appliances, electronics, artwork, gym equipment, and other personal items. Most policies cover perils like fire, theft, vandalism, storm damage, tornadoes, and other disasters. If these goods are damaged or lost in a covered peril, your property coverage will compensate you financially for your loss.

Actual Cash Value vs Replacement Cost Coverage

As a homeowner, you have a choice as to what kind of coverage to buy for your belongings. If you choose actual cash value coverage, you will be reimbursed for the cost of damaged goods after taking off for depreciation. Replacement cost coverage is a bit more expensive. However, it covers the cost of replacing your goods at current market value, without taking off for depreciation. If your goods are pricey, you may prefer replacement cost coverage to save you money on replacing lost or damaged items.

Protection of Posh Items

Standard home policies have limits on personal property coverage. These limits may be insufficient to fully protect posh items. If you own costly jewelry, original artwork, or other expensive goods, you may need extra insurance on top of your property coverage to fully protect these items. We recommend you get an appraisal for posh goods and purchase an endorsement to cover the cost of these valuables.

To learn more about personal property coverage or to purchase this coverage for your valuables, contact Options Insurance Agency. We serve residents in Hershey, PA, and surrounding communities.

Understanding your Home Insurance Coverage Options

Your home is one of your most valuable assets, and to protect it adequately, you need a home insurance policy. A home insurance policy is more than likely required by your bank or mortgage lender, but even if you do not owe on your house, you will want to protect it by obtaining this type of policy. You do not want to be caught in a predicament by not having a policy. For example, if you live in an area in which there have been no tornadoes for decades then you suddenly have one, and your house is lifted off its foundation, you will want to be covered by a homeowners’ insurance policy.

Home Insurance Coverage Options

Your House and Outbuildings

All home insurance policies cover your house and other buildings on your property, such as your garage, shed, and barns. Your policy should be designed to cover the value of your house and outbuildings so that if they are damaged by fire, natural disaster, or other horrible incidents, your home can be repaired or replaced. It will also cover your house and outbuildings if they are vandalized.

Your Belongings

Your home insurance policy will cover your belongings, such as your furniture, appliances, and clothing, if there is a fire, natural disaster, or some other incident. It will also cover items, such as your TV and computers, if your home is broken into and those items are stolen or vandalized.

Living Expenses and Liability

If you must relocate while your home is being rebuilt or repaired, your living expenses will be paid for or reimbursed, at least in part, by your homeowners’ insurance policy. Your coverage will also include liability, such as if someone who is visiting your home falls and is injured, it can cover their medical expenses.

To obtain the best policy for you and your situation, contact the home insurance agents at Options Insurance Agency in Hershey, PA to assist you today!

Will Home Insurance Cover Tree Removal?

In Hershey, PA, when it comes to insurance and fallen trees, it can get a little tricky.

You’ll want to read your policy and call your agent to be sure, but it generally breaks down like this:

  • If the tree falls on an insured structure, like a fence, a shed, a dog house, or the home itself, you can file a claim and, assuming there are no other exclusions in play, your insurance company will pay for the removal, and any repairs.
  • If the tree simply falls on flat ground and doesn’t damage anything, you’ll have to pay for the removal yourself.

It is possible to buy an insurance policy that covers landscaping concerns, but most homeowners find this not to be worth the extra expense.

If you have a fallen tree that needs to be removed, you’ll generally want to follow this simple rule: Don’t do things you don’t know how to do.

The job may seem easy enough, chainsawing the tree into sections and then hauling it off in a truck, but if you don’t have any experience with chainsaws, this job can be incredibly dangerous. If you’re not a pro at tree removal, hire a pro.

Note that the tree may have caused some underground damage such as a broken pipe or a fractured septic tank, in which case you may be covered, so check the damages before you call your agent. In a classic good news/bad news scenario, you may find that you need more repairs than you thought, but that your insurer can possibly cover them.

If you’re shopping for home insurance in Hershey, PA, get in touch with Options Insurance Agency by visiting our office or by phone. Options Insurance Agency can connect you with the policy that you need.

How to choose a home insurance policy

One of the most significant investments you will ever make in your lifetime is the one in your home. They say home is where the heart is, so you will need the right insurance coverage to protect it for many years to come, but how do you choose a home insurance policy?

First, you will want to get quotes from various insurance companies and speak with their agents to determine if discounts are available and the criteria needed for those. Many companies allow discounts for things like burglar alarms, storm shutter installation, smoke detectors, and water safety systems. Also, if you already have a policy with a company, for something like auto insurance, you may receive a discount for having multiple policies with one insurance company. You will need to assess the types of coverage offered along with limits and deductibles. Options Insurance Agency in Hershey, PA can help you with all of these issues.

When it comes to deductibles, you can choose how small or large a deductible you have when you and your insurance agent create your insurance policy. The deductible is important as this will be the amount you will have to pay out-of-pocket if a disaster or theft occurs at your home. The higher your deductible is, the less your insurance premiums will be, but it will mean shelling out more money before your insurance company pays out their portion.

You also need to consider the amount of insurance coverage you want to have on your home. There is a difference between the market value of your home and how much it would cost to replace your home in case of a disaster. This amount will include the cost it will take to repair your home or rebuild it.

Ultimately, when it comes to creating your home insurance policy, you need to work with your agent to build the perfect policy to protect your home. The home insurance policy experts at Options Insurance Agency in Hershey, PA are ready to assist you with all of your home insurance needs.