Auto and Homeowners Insurance
Auto and Homeowners Insurance Quote Forms
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Auto and Homeowners Insurance Information
Auto and Homeowners Insurance in Cambria County, Pennsylvania and the state of Maryland.
Think back to the expensive purchases you’ve made in your life. They probably include your house, car and many other treasured possessions. Protecting and preserving them must be one of your priorities. One of the most effective ways to do so is to buy auto insurance for your car & homeowners insurance for your dwelling and belongings.Still, you can’t just buy any policy and expect it to fit into your lifestyle. You’ll need personalized coverage in order to receive optimized protection.
With the help of the team at Horne Insurance, all Pennsylvanians can achieve the personal insurance they need to always feel secure in their lifestyles. Call us now at
or request your free policy quote now.
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When you buy car insurance, you buy security for yourself and your vehicle. Accidents can happen any time or anywhere you drive. They can even happen in your own driveway, and the results might be very costly. By having car insurance, you’ll be able to repair your vehicle, repay those to whom you owe money and move on from the accident in a secure financial position.
Required Auto Insurance in Pennsylvania
Under state law, Pennsylvania requires drivers to carry the following minimum amounts of coverage:
Bodily Injury Liability Coverage: $15,000 per person/$30,000 per accident*
Property Damage Liability Coverage: $5,000*
First-Party Medical Benefits: $5,000*
Pennsylvania mandates an at-fault car insurance system, which requires drivers who are responsible for accidents to pay for the damage done to other affected parties. It is the policyholder’s mandatory liability coverage that will compensate these third parties for their injury costs, car repairs and other property damage.You can increase the basic required limits to include higher coverage.
Other Coverage Options
Besides your required auto insurance, you can buy expanded coverage that will offer you more protection for a variety of additional risks. These might include:
Comprehensive Damage Insurance
Uninsured Motorist Coverage
Under-insured Motorist Coverage
Rental Car Reimbursements
Each coverage element will include its own terms and limits for how much it will pay you for your losses. If you finance your vehicle with a bank or lender, they might require you to buy collision, comprehensive or uninsured/under-insured motorist coverage.
Costs of Pennsylvania Auto Policies
The cost of your auto policy can vary based on numerous risk factors such as your vehicle value, the amount of coverage you buy, your location, driving record and history of claims. Most Pennsylvanians pay an average of $615 for a minimum coverage policy and $2,018 for a full coverage policy. While the minimum coverage might seem cheaper, full coverage can often provide better value and further-reaching protection for all drivers.
A home in Pennsylvania has an average value of about $200,000 in 2020. Though some cost more and others less, they represent a significant chunk of their owner’s tangible property value. Any property loss will equal a financial loss to the owner. Homeowners insurance is a security blanket that will help owners protect their investment in such property.
Pennsylvania Homeowners Insurance Requirements
There is no legal requirement for Pennsylvanians to buy homeowners insurance. However, many mortgage lenders will require property owners to buy coverage before they will approve a loan.
Homeowners Insurance Options
People buy homeowners insurance because they never know when accidents might occur that threaten their household’s finances and security. A comprehensively designed homeowners policy can help you address the costs arising from these and other perils.Some of the coverage you might include in your policy is:
Each policy will contain its own coverage limits, deductibles and exclusions. Your agent can work with you to expand your coverage in the most effective ways using policy endorsements or scheduled high-value items riders.
Costs of Pennsylvania Homeowners Insurance
The average homeowners policy costs between $900 - $1,000 per year in Pennsylvania, or roughly $75 - $85 per month. If you have a lot of risk attached to your property, such as a high property value, a high-risk location or a history of insurance claims, then you might pay more for your policy. However, you can still qualify for policy discounts and other savings opportunities to help rein in your price obligation.