What Is Covered by Standard Homeowners Insurance?

The following article appears on Insurance Information Institute website. Save Money and Trouble by Knowing the Ins and Outs of Your Homeowners Policy                 Most standard homeowners insurance policies include four essential types of coverage: Coverage for the structure of your home Coverage for your personal belongings Liability protection...
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Service Line Coverage For Homeowners Policies

Service Line Coverage When an exterior underground service line fails, repairs can total in the thousands. Defined service line failure perils are excluded in most homeowner policies. So, when damage occurs, homeowners are surprised to find that they are responsible for extensive repair costs. Service Line Coverage offers an affordable solution. Service Line Coverage provides payment for damage...
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    May 2, 2016 Important News After more than 10 years of writing insurance in Pennsylvania, Mercury has made the difficult decision to discontinue writing in the state.  This will impact all lines of business- Private Passenger Automobile, Homeowners and Business Auto. The decision to withdraw from Pennsylvania was not an easy one.   We recognize that this exit will place an...
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Our newest company – MAPFRE – is a welcome addition!

We are pleased to announce several of our clients have saved on their insurance premiums by purchasing MAPFRE Insurance, our newest company.  That is exactly what we were hoping would happen.  The more choices we can give you, the more likely we’ll be able to save you money and continue to offer the same or even better coverage.  So, upon renewal of your policy, consider having us shop...
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Why Flood insurance isn’t like a Homeowners’ policy

For most agents, writing a Homeowners’ policy is as easy as riding a bike. They’ve done it hundreds, if not thousands of times, they understand the coverage, they have no trouble presenting it to their clients and they could complete the application in their sleep. Writing Flood insurance is a different matter, more like riding a bike with a flat tire. The National Flood Insurance Program...
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Feeling lucky?

Let’s face it, insurance isn’t exciting.  It’s a necessary purchase and if you never have the occasion to use it, you can count yourself among the lucky ones.  Every time you’ve paid your auto and homeowners or renters insurance premiums and have received nothing in return — except peace of mind — you’ve had the good fortune of not experiencing any of the following:   Rear...
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