Do I Need a Home Generator?

We have gotten a few calls inquiring if you can get a policy discount on your home insurance if you have a home generator. Unfortunately, the answer is no, but a home generator reduces the risk of damage to your home, and personal property, and in turn reduces the potential of having to file a home insurance claim. And insurance claims end up increasing your home insurance premium.


Home generators come in a variety of types and sizes, from portable versions to standby and inverter units. There are three basic types of home generators:


Portable generators - typically run on gasoline and need to be operated at a safe distance from any structure.

Standby generators - start automatically when the power goes out and are run on propane or natural gas.

Inverter generators - have a more complex engine than the other types and are much quieter than their conventional counterparts.

 

Why would I get a home generator?


  • We can't control the weather!

Most electric power outages are weather-related. As the number and severity of extreme weather events rise, so does the likelihood of a blackout lasting 24 hours or more.

  • Do you have a private well?

Without electricity, your well water pump and filtration systems will lose the ability to provide potable water for drinking, bathing, and heating.

  • Do you have a sump pump?

If you rely on a sump pump to keep your basement dry – including all your stuff you keep in the basement. Losing power means you also lose protection against water damage and increases the possibility of filing a home insurance claim.

  • You work from home.

If you work remotely out of your home, you know every minute counts. Going without power for even an hour can be a major inconvenience to you, your clients and customers.

  • Food spoils quickly.

According to the FDA, perishable food items should be thrown out once your refrigerator has been without power for as little as four hours.

  • Your property is vacant for extended periods of time.

If you are a frequent traveler or own a seasonal home, having a generator can protect your property from outage-related emergencies. You don’t want to come home to a burst pipe and water damage; a generator will reduce the likelihood of having to file a home insurance claim.

  • Is there homebound loved one at home?

If a loved one requires the assistance of a home medical device that runs on electricity, a power outage can be deadly.


Whether it's due to storms, branches or trees falling, or some other challenge, power outages can bring an assortment of problems for homeowners. A home generator can become one of your go-to remedies for those unexpected situations. Checking out the options before you lose electrical power is a smart way to beat the crowds who'll be racing to scoop up a home generator, for that "next time" outage scenario. Home generators also provide reduces the probability of having to file a home insurance claim.  Also, if your generator is damaged by a covered perils, homeowners insurance typically steps in to repair or replace the damaged unit, minus the deductible.


Dtown Insurance is here to help with your insurance; we can compare home insurance coverages with our carriers and look to provide you the best coverage available for your money!  Call us! 215-345-1796

 

 


The Motorcyclist’s Guide to Insurance

June 4, 2026
Pennsylvania's Distracted Driving Law Effective June 5, 2026, the penalty is a summary offense with a $50 fine, plus court costs and other fees. Pennsylvania’s hands-free law may be referred to as Paul Miller’s Law. Paul Miller was killed in 2010 when a distracted driver crossed a center grass divider and traveled head-on into Paul’s car. If a driver is convicted of homicide by vehicle and driving while distracted, they may be sentenced up to an additional five years in prison. As a primary offense, drivers can be stopped by police if they have a mobile device in their hand while driving.  The law: Defines an interactive mobile device as a handheld wireless telephone, personal digital assistant, smart phone, portable or mobile computer, or similar device which can be used for voice communication, texting, emailing, browsing the Internet, instant messaging, playing games, taking or transmitting images, recording or broadcasting videos, creating or sharing social media or otherwise sending or receiving electronic data. Defines driving as operating a motor vehicle on a highway, including anytime the motor vehicle is temporarily stationary because of traffic, a traffic control device (e.g., a traffic light or stop sign), or other momentary delay. Defines the use of an interactive mobile device as using at least one hand to hold, or supporting with another part of the body, an interactive mobile device, dialing or answering an interactive mobile device by pressing more than a single button, or reaching for an interactive mobile device that requires a driver to maneuver so that the driver is no longer in a seated driving position, restrained by a seat belt. A driver may use an interactive mobile device if the driver moves the vehicle to the side of or off a highway and halts in a location where the vehicle can safely remain stationary. The hands-free law allows for an emergency use exception if it is necessary to communicate with a law enforcement official or other emergency service to prevent injury to persons or property. Pennsylvania's Texting-While-Driving Ban The law prohibits as a primary offense any driver from using an interactive mobile device to send, read or write a text-based communication while his or her vehicle is in motion. Defines an interactive mobile device as a handheld wireless telephone, personal digital assistant, smart phone, portable or mobile computer or similar device which can be used for voice communication, texting, emailing, browsing the Internet, instant messaging, playing games, taking or transmitting images, recording or broadcasting videos, creating or sharing social media or otherwise sending or receiving electronic data. Defines a text-based communication as a text message, instant message, email or other written communication composed or received on an interactive mobile device. Makes clear that this law supersedes and preempts any local ordinances restricting the use of interactive wireless devices by drivers. " Faces of Distracted Driving " is an online photo series exploring the tragic consequences of texting and cell phone use behind the wheel by sharing the stories of people from across the country who have been injured or lost loved ones in distracted driving crashes. Click here to view "Faces of Distracted Driving." Dtown Insurance agents have many years of experience in auto insurance. Our agents prioritize getting you the right coverage for the best price available. One of the best auto insurance carriers we work is AAA, one of the country’s largest and most reputable insurance carrier in the United States. Call today
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