If you live in or surrounding areas of Milford, Honesdale or Dunmore, Pennsylvania you will have to contact an independent agent for insurance, whether it is for automobile or homeowner’s insurance you will need some sort of property damage coverage, because accidents do unfortunately happen to all of us and you will want to make sure that you are covered for any mishaps.

The property damage part of your insurance will pay for repairing the damage that is done to your property and other’s property. The payout will not go over the limits that you have specified on your policy. It is a requirement in the state of Pennsylvania for all motorists to carry property damage liability of at least $5,000, however if the damage exceeds your limit of $5,000 you may have to pay out of pocket for the rest. You can set your personal property damage limits for your vehicle or home at about any level you so chose.

Homeowners will have basic property damage coverage at pre set limits by the homeowner. This basic policy will cover a wide list of various mishaps, but be aware that there are some instances of natural disasters that are not covered in the event of property damage to your home and personal possessions, such as a flood from a hurricane. Homeowners who live in flood zones may be required to purchase separate flood insurance, and will not have a choice. This type of policy is purchased through FEMA and your independent agent can help you with this.

There are specific natural disasters that are not covered by your basic homeowner’s policy, such as, an earthquake, flooding, hurricanes, tornados, sewer line breaks and backups, mudslides, earth movements or settling of land, wildfires, vehicles sitting on property that is damaged, mold damage, pest infestations, and more. The homeowner must be aware of these excluded items and buy the coverage they will need to feel secure.

If you give us a call, we can help you get the right coverage. Speak with one of our independent agents in Pennsylvania today.