Chester Homeowners Insurance

Your Complete Guide to Chester, PA, Homeowners Insurance

(How to find a policy that works for you)

Chester Pennsylvania homeowners insurance

Chester, PA, is the oldest city in Pennsylvania, dating back to 1681. This historic town is a charming place to lay down roots.

When you own a home in the 34,077 resident place, you'll want coverage. Your largest asset should have the best protection on the market. Work with an independent insurance agent to get the coverage and rates you need. You can get matched easily with a local expert today.

Are You at Risk for Burglary in Chester, PA?

Your home rates are determined by a variety of factors, one of them being the local crime rate. While burglary can impact you financially, it affects you personally as well. Let's look at the numbers:

  • Number of burglaries per 100,000 households in the US: 376
  • Number of burglaries per 100,000 households in PA: 211.6
  • Number of burglaries per 100,000 households in Chester: 1,033

Burglaries in Chester are significantly higher than the state and national averages, meaning your premiums could be more. The best way to offset costs is by connecting with an independent agent. They can find ways to cut expenses like bundling your home and auto insurance.

How to Protect Your Home from a Natural Disaster in Chester, PA

Catastrophe and natural disasters occur everywhere. The number of claims paid out in 2016 in PA was 1,308,092,000. One of those losses could have been yours. That's why it's so important to have adequate protection.

Top five risks for Pennsylvania:

  1. Flooding and water damage
  2. Severe storms and lightning
  3. Hurricanes and tropical storms
  4. Heavy snow
  5. Burglary and other property claims

Your home policy needs to have coverage for the above claims sufficiently. One risk your primary home insurance will not include is flood damage. If you have a flood claim, you'll need to obtain a separate flood policy. The right policies to protect your home should be advised by a professional. Fortunately, a Chester independent agent can be found easily. 

What Will Your Home's Liability Insurance Cover in Chester, PA?

Liability insurance is a coverage you hope you never have to use but is often the most accessed. When a lawsuit comes against you or a household member, you need to know you have protection. Areas where your liability coverage would apply:

  • Bodily injury to another person on your property
  • A dog bite injury to another party
  • Damage to another person's property

Contrary to popular belief, most insureds have limits that wouldn't even touch a substantial loss. These policyholders are forced to pay out of pocket by any means necessary. When you need adequate protection, speak with an independent agent on umbrella insurance. This will provide another limit of liability when your underlying policy is exhausted. 

Ways to Save Big on Your Chester, PA, Home Policy

When it comes to your home insurance expense, there are some cost-saving techniques you can use. An independent agent will have more ways for you to save. In the meantime, you should be aware of the averages:

  • National average home premium: $1,211
  • Pennsylvania average home premium: $931

Some things you can do to lower your premiums are below. Speak with your adviser on which ones apply to you:

  • Your credit score: You can build good credit, which will give you a better premium.
  • Coverage selected: The coverage you choose can help lower your premiums if you know where to bundle. 
  • Carrier discounts: There are discounts carriers offer that your agent can help you qualify for.

The best way to get the most savings without sacrificing coverage is to get with a professional. A Chester independent agent is knowledgeable on all the ways you can cut costs. Contact your agent today.

Why You Need an Independent Insurance Agent in Chester, PA

Independent insurance agents are local and know the area, which means they can help protect potential exposures. When you partner with an independent agent, you will get the best of both worlds.

From low prices to coverage options, an agent can help you find the best policy in town. Get started on TrustedChoice.com and connect with an expert in minutes.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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