Pottstown Homeowners Insurance

Your Complete Guide to Pottstown, PA Homeowners Insurance

How to find the perfect policy with a local expert

Pottstown Pennsylvania homeowners insurance

Pottstown, PA is known for holding the country's oldest mill. It was also  on the Philadelphia Railroad trail and was the main stopping point.

If you own a home in Pottstown, you need to be aware of the risk. Homeowners insurance is essential. With over 22,741 residents, an independent insurance agent may be hard to find. You can get matched easily with a local expert in minutes.

How to Save Big on Pottstown, PA Homeowners Insurance

Home insurance needs to be affordable. There are things you can do to lower the cost. First, let's look at the average homeowners premium:

  • National yearly average: $1,211
  • Pennsylvania yearly average: $931

Just because they're the averages doesn't mean your costs will be the same. To save on your home insurance, you can look at the following items:

  • Your credit score: You can work towards a better credit score, saving you on insurance. 
  • The coverage you select: You can choose coverages that will benefit you and save you money. An independent agent can help with the best scenario for you.
  • Your claims history: The more claims you file, the worse your premiums are. To offset the costs, speak with your agent about carrier selection.

There are many other factors your independent agent can suggest to get your costs lower. The best thing to do is contact your Pottstown adviser and go over your home and auto insurance policies to learn about saving.

What a Burglary Will Do to Your Homeowners Insurance in Pottstown, PA

Crime happens every day. The chances of it happening to you may be greater than you think. Your home policy needs to have adequate protection for a break-in. Check out the burglaries per 100,000 households below:

  • National rate: 376.00
  • Pennsylvania rate: 211.60
  • Pottstown rate: 495.80

If you're unsure how Pottstown crime will affect your rates, take a look at the facts. Pottstown is higher than both the state and national figures, which means costs could be more. If you contact an independent agent, they can help offset the cost by bundling. When you bundle your home, auto, life, and umbrella policies, you save big. Connect with an independent agent to get started. 


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How Natural Disaster Impacts Your Pottstown, PA Home

Catastrophes can happen at any moment. The question is, will you be prepared when it does. Let's look at the most common occurrences in Pennsylvania:

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

Only a trusted adviser can help you protect your largest asset. When you're unsure which coverages do what, an independent agent can let you know. If you thought you had insurance for flooding under your primary home policy, you're without coverage. Connect with a local agent to find out what else is excluded. 

Liability Insurance Explained in Pottstown, PA

If you have low liability limits, you could be asking for trouble. The majority of home claims will require liability coverage. If you're not sure what your homeowners policy protects you from, an independent agent can help. 

Personal Liability Lawsuits That Could Arise:

  • A pet bite claim
  • Damage to another party's property
  • Bodily injury to another party

Did you know that when your home liability limits are exhausted from a larger claim, your wages could be garnished indefinitely? If you have umbrella insurance, you can protect you and your family from financial hardship. Contact a Pottstown independent agent to get the right liability coverage for your home.

Match with an Independent Agent in Pottstown, PA to Get the Right Policy

When you're tired of doing everything yourself, an independent insurance agent can help. They work on your behalf for free to find the best coverage and rates in your town.

If you use an independent agent, you get access to their multiple markets so you know you're getting a fair price. Connect with a local expert on TrustedChoice today. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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