What Are the Components of a Basic Home Insurance Policy in the State of Pennsylvania

Gallina and Sons provides insurance policy solutions for the people of Pittsburgh, PA, and the surrounding areas. Our trained professionals understand what the complexities of home insurance are in order for you to be compliant with the state and local mandates.

Basic Home Insurance Policies In Pennsylvania:

Pennsylvania is one of the states in the U.S. that does not require a homeowner’s insurance policy. That being said it doesn’t mean it is a good idea not to have one. Many mortgage lenders require you have a policy in order to secure a loan.

As a result of the fact that it is not required in the state, what is covered on a strictly basic level of insurance is your home, you, and your family’s personal belongings. Home Insurance brokers in the state have standard home insurance lines of products that can be similarly found across the country, such as: 

  • Medical Expense Coverage – in the event you cause injury to someone, their medical bills are covered
  • Alternative Living Expenses – if you must find another place to live while your home is being fixed due to a covered event, this arm of the policy will cover your expenses and accommodations
  • Property Coverage – in addition to the protection of your home, this coverage will protect other structures on your property (shed or garage) 

As a result of the lack of mandate, buying insurance can be more complex.

Gallina and Sons provide one-on-one consultations to those in Pittsburg, PA, and the surrounding areas so that residents will learn what is needed to protect vulnerabilities in various aspects of life. Come in or call today to speak with an agent and learn how to better protect your assets. For quotes, try our online rating tool for auto and home insurance.