Home Insurance in McKeesport, PA
Make sure your most significant investment — your home — is adequately covered by insurance. To compare quotes on homeowners insurance in McKeesport, PA, rely on Allegheny Insurance Agency, Inc. Our independent insurance agency works with a multitude of companies to find you the best deal. Call us to talk to one of our agents and we will work hard to provide you with affordable homeowners insurance in Pittsburgh, PA.
Protection Against Loss, Damage, & Liability
Homeowners insurance covers loss and damage to your house and the assets inside. It also provides liability coverage against accidents in the home or on your property. In an imperfect world, the unexpected can happen and you want to be prepared for it.
For those of you with a mortgage, the bank requires proof of insurance before it issues such a document to you. Payments toward the policy are usually included in the monthly payments for your mortgage. The lending bank allocates a portion for insurance coverage to an escrow account. For those without a mortgage, insurance is still necessary for it provides money to repair or replace your house in the event of an accident, storm, or fire. When you are seeking assistance from a dependable home insurance company in Pittsburgh, PA, you can count on the team at Allegheny Insurance Agency, Inc.
Four Major Categories of Coverage
Your homeowners insurance policy usually covers four major categories of damage, loss, or injury on your property. When claims are made in any of these categories, you, as the homeowner, pay a deductible and any out-of-pocket costs. Your homeowners policy contains a liability limit which determines the amount of coverage. The four major categories covered are:
- Interior Damage
- Exterior Damage
- Loss or Damage of Personal Assets
- Injury That Arises While on the Property
There are some things that aren’t covered by a typical homeowners policy, such as Acts of War or Acts of God. Acts of God refers to natural disasters, such as earthquakes, floods or mine subsidence. However, other weather-related disasters, such as hurricanes and tornadoes are included in your basic homeowners insurance policy. To ask questions about what is and what isn’t covered, talk to one of our insurance agents.
For our customers who rent or sublease a house, apartment, or condo, we provide
renters or tenant insurance. The coverage applies to your belongings and personal property, such as furniture, clothing, and electronics that may be lost or damaged as a result of:
Renters insurance also offers protection from liability if someone is injured while on the property you’re renting. Reach out to our agency for renters or homeowners insurance.
Contact us today to ask us to provide you with an affordable policy for homeowners insurance. We proudly serve residential and commercial customers in McKeesport, Pittsburgh, and Western Pennsylvania.