Let the insurance professionals at Bartal Insurance in Scranton, PA provide the protection you need with a homeowners’ insurance policy. It protects your home and personal property in the event of damage or loss. It can be the primary source for rebuilding or repairing your home.

Protecting Your Asset

Due to the many expenses that arise with the purchase of a home, it is a necessary protection for any homeowner. Most people live in their most valuable possession. If the home is damaged by water, wind, or hail, for example, the policy will pay for any repairs that need to be made.

A homeowners insurance policy protects your family’s financial future. But it is necessary to have the proper policy. When you shop for a policy, the limits of the coverage and what it covers should be the focus. You will have the chance to fully cover your home should a total loss result.

The personal property in your home will also be covered, but only if there is enough insurance for replacement. Outdoor structures such as sheds or garages will also be covered.

In the event you have a mortgage on your home, the lender will probably require that you have adequate homeowners’ insurance, as they have a stake in the property as well. Your home serves as collateral on the loan. If your home is damaged due to severe weather or some other reason, the value needs to be enough to cover what is still owed to the lender.

It is necessary you understand how to read your policy. There are many different types of policies available. For example, if you live in a flood zone, be sure to obtain a flood insurance policy. Flood insurance can be acquired through the federal government because standard homeowner’s policies do not provide flood coverage.

Also, if you reside in an area prone to hurricanes, landslides, or earthquakes, you may want to add those additional coverages in the event of this type of disaster.

Give Us A Call

Remember that different policies meet different household needs. Let the experienced agents at Bartal Insurance in Scranton, PA help you to obtain the protection you need for your most valuable asset. Contact them today.