Home Insurance  

Do I really need home owners insurance?

A home insurance policy can protect what is likely your most valuable asset if something happens to your home.  There are not any laws requiring you to have home owners insurance, your mortgage lender will require you to have home insurance.

For most people, their home is the biggest purchase they will make and is their most valuable asset. If this is true for you, you need a Pennsylvania insurance agent in Central Bucks County to find the best insurance for your needs who will settle your claims quicklyin the even you have any damage. At Dtown Insurance, we will help you find the right policies to cover your home and property needs while also providing quality service and affordable pricing.

Homeowner policies differ based on where you live, the home's valuables, and the chosen coverages. A comprehensive plan will cover you financially in case of a loss due to fire, theft, or other events, and in the event someone is injured on your property.

At Dtown Insurance, we have home insurance specialists who can customize a specific package to address your needs and risks. We choose from multiple AM Best A rated or better insurance carriersto find you the best fit at a fair price. We compare rates to ensure that you don't have any gaps in coverage down the road.

What is type of incidents are covered?

In the insurance industry the incidents, or accidents, are known as Perils that result in property damage or loss. Here are the perils most commonly covered by home insurance policies:

• Windstorms - Hail and wind damage,  Not FLOOD insurance
• Fire and smoke
• Lightning
• Hail
• Tornadoes
• Explosions (e.g., aerosol can or gas grill)
• Theft and vandalism
• Car/aircraft crashing into your home
• Falling trees or other objects
• Weight of snow, sleet, or ice
• Water damage (from leaking roofs, broken pipes, water heaters, washing machines, dishwashers, or other appliances, but not floods)