Homeowners Insurance in Villanova, PA
Experts break down homeowners insurance costs, coverage, companies, and more in Villanova, PA.
Written by
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.
Reviewed by
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.
If you live in Villanova, Pennsylvania, you'll want to ensure you have enough protection for your assets. There are a lot of responsibilities when you own a home here, and one of them is having homeowners insurance to avoid financial losses.
A Villanova, Pennsylvania independent insurance agent can help you find the right policy for your property. They quote through multiple companies to find the best coverage for your household. Consult with a local expert to get started in minutes.
What Is Homeowners Insurance?
The right homeowners insurance can help you cover the most significant catastrophes in your lifetime. This policy protects against property damage and liability losses that could occur. A review of your homeowners insurance is necessary to have proper protection.
What Does Homeowners Insurance Cover in Villanova, Pennsylvania?
Homeowners insurance covers a variety of losses. Below are the primary coverages typically included under your Villanova, Pennsylvania insurance policy:
- Personal liability: Pays for bodily injury, property damage, and libel or slander claims against a household member.
- Medical payments: Pays for the first $1,000 - $10,000 of a medical expense when a third party gets injured on your property.
- 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.
- Dwelling limit: Pays for repairing or replacing your home when a covered claim occurs.
Most insureds do not know that flooding is not a covered loss under their home policy. Each property is in a designated flood zone flood zone, and because flood insurance is not always required, you'll have to obtain it in addition to your primary coverage. That means a separate flood insurance policy must have proper limits for flood damage.
Common Disasters Homeowners Insurance Covers in Villanova, Pennsylvania
Each city has common disasters that strike the area at any given time. Most homeowners insurance policies come equipped with insurance for such events. Fortunately, your Villanova, Pennsylvania home coverage will provide limits of protection for the following significant catastrophes:
- Theft and vandalism
- Wind
- Hail
- Severe storms
- Fire
- Lightning
How Much Does Homeowners Insurance Cost in Villanova, Pennsylvania?
Villanova, Pennsylvania homeowners insurance premiums are customized and different for every household. Quotes are necessary to get exact costs for coverage. Check out the risk factors below that carriers use to determine the pricing for home insurance:
- If you have a pool, trampoline, or pet
- Where you live
- How new your house is
- Your credit score
- How close you are to a fire department
- How close you are to a fire hydrant
- 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
There are numerous ways you can obtain cheap home insurance in Villanova, Pennsylvania without sacrificing coverage. Below are the national and state averages for home premiums:
The average home insurance premium:
- National annual average: $1,211
- Pennsylvania annual average: $931
By bundling your home and auto insurance with one carrier, you'll often save 30% or more. Another way to reduce your premiums is by having good credit, no past claims, and home safety features.
What Are the Best Homeowners Insurance Companies in Villanova, Pennsylvania?
It can be challenging to know which homeowners insurance company is the best for your household. In Villanova, Pennsylvania, these companies are superior for home protection:
| Best Homeowners Insurance Companies In Villanova, PA | Star Rating |
| Travelers |
|
| Progressive |
|
| PURE |
|
These carriers are highly rated due to their excellent customer service and custom coverage offerings. A local professional can obtain quotes through these companies and others.
How a Local Agent Can Help Find Homeowners Insurance in Villanova, Pennsylvania
To find the right homeowners insurance, you'll need to review what's required for your household. Some coverages may be more necessary than others depending on your risk factors. Instead of trying to sort it out on your own, consider using a trained adviser.
A Villanova, Pennsylvania independent insurance agent can help to find custom protection for your unique situation at no additional cost to you. Connect with a local expert and start getting quotes today.