The right homeowners insurance can help protect your property from the natural disasters that affect Pennsylvania. Floods and storms can wreak havoc on your home and cause lasting structural damage. With the proper coverage, you can prevent gaps and receive prompt assistance if you’re affected by a natural disaster.
What Natural Disasters Affect Pennsylvania?
Common natural disasters that affect Pennsylvania homeowners include floods, winter blizzards and severe storms. It’s essential to understand the natural disasters that affect your area when choosing homeowners insurance.
In Pennsylvania, flooding can happen quickly without warning, causing damage to your property and potentially risking your family’s safety. Severe storms can bring tornadoes, strong winds and hail, which could cause significant structural damage. Winter storms can also cause considerable damage, such as frozen pipes. You can take precautions, like setting thermostats to 55° Fahrenheit and opening cabinet doors to circulate warmer air around plumbing.
What Does Insurance Typically Cover?
Homeowners insurance typically covers a range of potential disasters, like winter storm damage or lightning strikes. However, policies may vary, so it’s essential to check that your policy covers the natural disasters you may experience. Some homeowners insurance also covers hurricane damage and other types of natural disasters that affect the area.
However, with shifting insurance market dynamics, homeowners are encountering new challenges with insurance coverage. Some insurers are limiting policies in areas with frequent disasters and introducing percentage-based deductibles with insurance coverage for wind damage, hail and hurricane damage, rather than flat dollar amounts. Even if a peril is covered under your policy, underinsurance is still a real risk. The increase in construction and repair costs may mean your dwelling limit is insufficient.
What Insurance Add-Ons Will You Need?
It’s essential to be aware of what your insurance may not cover. Here are some examples of natural disasters that homeowners insurance may not cover:
- Floods: Flood damage is typically excluded under standard homeowners insurance policies. You may need separate flood damage insurance coverage, considering that flooding is the most frequent and damaging natural disaster in Pennsylvania.
- Earthquakes: Earthquake coverage may not be included in home insurance policies, so it’s wise to add it as a separate policy or an endorsement to your homeowner’s policy.
- Sewer backup: Sewer backup is typically not covered under homeowners insurance policies, and it’s also not usually covered by flood insurance. You’ll need to purchase this insurance separately.
How Can AAdvantage Insurance Group Help?
At AAdvantage Insurance Group, we believe that no homeowner should be left without a way to protect their property. Getting the right coverage can empower you to protect your home from damage caused by natural disasters. Our team will connect you with approved vendors and help you file quickly when you need it. We have years of experience guiding our customers through every step of the claims process.
We can help you find flood insurance, home insurance and other add-ons you could benefit from to protect your home. As independent agents, we don’t work for any specific insurance company — we work for you. So, we put in the effort to find you the best coverage options at competitive prices.
Get a Home Insurance Quote in Pennsylvania From AAdvantage Insurance Group
AAdvantage Insurance Group can help you find the best home insurance to protect your home from natural disasters. Contact us, or get a quote for professional guidance.