Homeowners Insurance in Swarthmore, PA

Experts break down business insurance costs, coverage, companies, and more in Swarthmore, PA.

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for TrustedChoice.com on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Kitchen in luxury home modern interior with island and stainless steel chairs. Swathmore, Pennsylvania Homeowners Insurance.

Swarthmore, Pennsylvania has over 6,500 residents. This tiny town still holds some risk for homeowners, and it's important to have the right coverage. Home insurance can help your household weather the storms that accompany owning a property.

Fortunately, a Swarthmore, Pennsylvania independent insurance agent can help at no additional cost to you. They run quotes through highly rated carriers in your area and present you with the best option. Consider reaching out to a trusted professional today.

What Is Homeowners Insurance?

Your homeowners insurance in Swarthmore, Pennsylvania will protect your household in multiple ways. It covers property damage and liability losses and a lot in between. If you're unsure how you're protected with your current coverage, now's the time for a free review. 

What Does Homeowners Insurance Cover in Swarthmore, Pennsylvania?

Swarthmore, Pennsylvania home insurance comes with several coverage options. Some are standard and included in every homeowners policy. Check out the common primary coverages below:

  • Medical payments: Pays for the first $1,000 - $10,000 of a medical expense when a third party gets injured on your property.
  • Dwelling limit: Pays for repairing or replacing your home when a covered claim occurs.
  • Personal liability: Pays for bodily injury, property damage, libel, or slander claims against a household member.
  • Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 
  • Personal property: Pays for the repair or replacement of your personal belongings.

Unfortunately, your home insurance won't have coverage for flood damage. You must purchase an additional flood insurance policy to be adequately protected. Without it, you'll be responsible for any expenses.

Common Disasters Homeowners Insurance Covers in Swarthmore, Pennsylvania

Several risks could occur while you own a home. Your Swarthmore, Pennsylvania homeowners policy protects some of the most severe disasters in town. Check out what's covered under your home insurance:

  • Wind
  • Hail
  • Severe storms
  • Fire
  • Lightning
  • Theft and vandalism

Swarthmore's weather-related statistics:

The number of natural disasters in Swarthmore: 21

Major presidentially declared disasters in Swarthmore: 15

Emergencies declared in Swarthmore: 6

Let's look at the top three causes in Swarthmore:

Hurricanes: 5 declared as a disaster

Floods: 4 declared as a disaster

Winter Storms: 4 declared as a disaster

How Much Does Homeowners Insurance Cost in Swarthmore, Pennsylvania?

Costs for Swarthmore, Pennsylvania home insurance will be completely individualized. While you'll be met with similar coverage options, you won't have the same premiums as others, and quotes will be necessary for exact pricing. Below are what carriers use to determine your home insurance rates:

  • Where you live
  • How close you are to a fire department
  • How close you are to a fire hydrant
  • How new your house is
  • Your credit score
  • If you have a pool, trampoline, or pet
  • How many claims you've filed
  • The materials of your home
  • The square footage of your home
  • The cost to replace your home

Cheap Homeowners Insurance Near Me

Cheaper home insurance can be found when you're proactive. Check out the average homeowners insurance costs in the state and US below:

The average home insurance premium:

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

You can bundle your policies with the same insurance company for a reduction of 30% or more. Other ways to qualify for discounts include home safety features, good credit, and no prior claims. 

What Are the Best Homeowners Insurance Companies in Swarthmore, Pennsylvania?

While shopping for homeowners insurance in Swarthmore, Pennsylvania, you'll want the best. Some exceptional home policy carriers in the area are listed below:

Best Homeowners Insurance Companies In Swathmore, PA Star Rating
5 star rating
5 star rating
4.5/5 star rating

These insurance companies receive high marks due to their custom coverage options and superior customer service. Consider obtaining quotes through these companies and others like them for the proper coverage.

How a Local Agent Can Help Find Homeowners Insurance in Swarthmore, Pennsylvania

The best homeowners insurance will be unique to every household. Each policy is customized to provide coverage tailored to the property and homeowner. Instead of trying to figure it out on your own, consider working with a licensed adviser.

A Swarthmore, Pennsylvania independent insurance agent can compare coverage and price options through dozens of carriers at once. They do the shopping for free and present you with the right policy. Connect with a local expert to get started today. 

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