Wilkes-Barre Homeowners Insurance

Your Complete Guide to Wilkes-Barre, PA, Homeowners Insurance

How to find a reliable home insurance policy at an affordable price.

Wilkes Barre Pennsylvania homeowners insurance

Residents of Wilkes-Barre need home insurance from a trustworthy and reliable company. While many homeowners are familiar with the idea of price shopping for insurance, they may not understand how important it is to design a policy that combines value and coverage. 

If you are wondering about how to best handle your home insurance policy in Wilkes-Barre, working with an independent insurance agent here in town could help you do more than reduce your rates. An independent agent shops dozens of highly rated insurance companies for the lowest premiums. They help you put a policy in place that meets your needs while it protects your valuable investment in your home. 

Find an insurance agent in Wilkes-Barre today and get started customizing your homeowners insurance right away. 

How Much Does Homeowners Insurance Cost in Wilkes-Barre, PA?

Depending on a number of factors, you could pay less for your home insurance in Pennsylvania than you would in other areas of the country. The average yearly premium for Pennsylvania homeowners is $913, while the national average is higher at $1,173. Pennsylvania is the 38th most expensive state for home insurance 

Averages are useful benchmarks, but when it comes to calculating home insurance premiums, much depends on factors specific to you and your home. Your rates depend on these factors:

  • The size, age, and value of your home
  • The type of home you are insuring (e.g., single-family detached home, condo, manufactured home, vacation home, etc.)
  • The number of stories in your home and whether it has a basement
  • The crime rate and weather risks in your ZIP code
  • Your claims history and credit score
  • Whether you are bundling your coverage with another policy like car insurance or life insurance

Comparing quotes between companies allows you to choose the policy that offers the most coverage at the lowest price. Your agent can help you make sure that you get quotes from the best companies. 

Does Wilkes-Barre Homeowners Insurance Cover against Catastrophic Events?

Your home insurance covers many damage-causing catastrophic events. In Wilkes-Barre, you are statistically most likely to face certain perils as a homeowner. 

It's crucial to make sure that your dwelling and contents limits are high enough to cover the costs of rebuilding your home and replacing your lost possessions if you are in a major storm or fire.

Catastrophic Events in Pennsylvania

  • Number of federally declared disasters in Pennsylvania: 62
  • Most common reasons for disasters in PA: Severe storms
  • Number of severe storms declared as a disaster in PA since 1953: 41
  • Number of hurricanes declared as a disaster in PA since 1953: 21
  • Number of floods declared as a disaster in PA since 1953: 10

Residents of Wilkes-Barre are most at risk for damage caused by bad weather. Fortunately, with the exception of damage from flooding, these hazards are covered by most homeowners insurance policies.

If you have concerns about possible flooding in your area, talk with your agent about adding a flood insurance policy through the National Flood Insurance Program (NFIP). Even if a damage-causing flood is the result of a hurricane, you may not be covered without a special insurance policy. 

Why Do Wilkes-Barre Homeowners Need Liability Insurance?

Personal liability coverage is an important part of your home insurance policy. Liability lawsuits can be expensive and could harm your financial stability. Homeowners liability insurance covers expenses that are your legal obligation. 

Here are some situations where you'll need liability insurance:

  • Your child breaks a neighbor's window playing basketball.
  • Your dog gets out of your yard and bites a jogger.
  • A visitor in your home trips on one of your child's toys and falls down the stairs and requires medical attention.

Your Wilkes-Barre agent can explain how liability coverage works with a home insurance policy. If you want higher liability limits than your policy provides, umbrella insurance could be the answer. Talk with your agent to understand how this valuable add-on policy could help protect your financial future. 

Does Wilkes-Barre Homeowners Insurance Cover against Burglaries?

Burglary rates in Pennsylvania are far lower than the national average. It's smart to protect your home with the right type of insurance, though. 

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in Pennsylvania: 2.78

If your home is the target of a break-in, your home insurance policy can provide you with compensation for stolen possessions and property damage. 

You may get a discount on your homeowners insurance premium if you have or plan to install a home security system. Many systems are inexpensive, and they provide an important theft deterrent. 

Talk with your agent about how a security system can help protect your home and possibly lower your insurance premiums. 

What about Second Home and Vacation Home Insurance?

If you, like many Wilkes-Barre residents, own a second home or vacation home, you may benefit from special insurance to help protect your investment. 

Homes that aren't your primary residence have increased risks. If you rent your second home or vacation home, you may experience higher property damage and liability risks. Landlord insurance is a smart addition to your home insurance policy. 

If you have a vacation home that's vacant most of the year, you have a higher statistical risk of having to make a home insurance claim for theft, vandalism, or property damage. Vacant home insurance can help you protect your investment in your vacation home. 

Your agent can evaluate all of your properties and help you design an insurance package that gives you the peace of mind you need to truly enjoy your homes. 

Why Work with an Independent Insurance Agent in Wilkes-Barre, PA?

When you choose a Wilkes-Barre agent, you'll get the advantage of having a knowledgeable insurance professional on your side. Your agent works for you, not the insurance company, so they can recommend coverage that fits with your budget and protects your interests. 

Contact an independent insurance agent near you today to start comparing quotes. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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