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Most Popular Coverages in Pennsylvania

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Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, it's covered by a suitable homeowners insurance policy in Pennsylvania. Home insurance will pay for repairs to the home and replacement of belongings, pay for someone else's injuries on the property when it's the homeowner's fault, and may pay for temporary living expenses if the home is so badly damaged that it's uninhabitable. 

Pennsylvania drivers pay about the same for car insurance as much as most other drivers around the nation. On average, Americans pay $1,474 per year for their auto insurance. Drivers in Pennsylvania pay on average about $1,440 per year. It isn't much of a difference, but comparison shopping and getting quotes from a variety of insurance companies can help in getting the best rates possible.

While a commercial insurance policy is not required of all business owners, certain aspects of it may be. In Pennsylvania, businesses that employ anyone must carry worker's compensation insurance, and this applies to both established and brand-new businesses. Additionally, businesses that have company-owned vehicles must carry commercial auto insurance. 

Worker's compensation laws in Pennsylvania require all employers who have one or more employees to purchase worker's compensation insurance. There are a few exceptions. This coverage is not required for longshoremen, railroad workers, agricultural laborers earning less than $1,200 per person per year, licensed real estate salespersons, and persons who work out of their own home. 

Restaurants in Pennsylvania  need three basic types of insurance: property, liability, and employee coverage. Keep in mind that each type of insurance has sub-types of more specialized insurance depending on the type of restaurant and the services offered. Many restaurants have added policies for delivery and buffet services. Food spoilage is also a popular add-on policy for restaurants.

The rates for commercial vehicle insurance can vary significantly based on several factors. If a business owns a single car, the cost will be low compared with the cost to another business that owns a whole fleet of commercial trucks and cargo vans. Rates will also vary depending on the type of vehicle, how it is used, and its size.

Hotel insurance protects the property, the business, guests, guests’ property, and staff. It covers common disasters, like fire and lawsuits, along with less-common ones, like theft of jewelry heists. It keeps hotel owners from paying massive costs out of pocket. 

Umbrella coverage is also known as lawsuit insurance, because it protects policyholders from the potential financial disaster of a claim against them. If a homeowners insurance policy has a liability coverage limit of $300,000 per incident, and a legal settlement totals $500,000, the policyholder must pay the remaining $200,000 out of pocket. But if they have an umbrella insurance policy set at a standard $1 million limit, their homeowners insurance would pay $300,000, and their umbrella coverage would provide the remaining $200,000.

Renters coverage is usually much more affordable than homeowners insurance, because the building and grounds are already insured under the property owner's landlord policy. The average cost of a tenant policy in Pennsylvania is $144 per year. That works out to around $12 per month to insure the tenant's belongings. The average renter keeps property valued at around $20,000 in the home, so in the case of a total loss, a small investment in a renters insurance policy can pay off quickly.

Life insurance is all about preparing for the unexpected. It is important for everyone to think about how their dependents would fare if they  were to meet an untimely demise. If they are married, they may want enough coverage so their spouse can afford to keep the family home. If they are a parent, they are likely to want to ensure that their children are well cared for and that they have many of the opportunities they might otherwise need to forgo due to lack of funds.

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