Trusted Homeowners Insurance Brokers in PA

Have peace of mind when you work with AAdvantage Insurance Group, Inc. As a 100% independent insurance agency, we're committed to serving you and your family. Our team conducts extensive research to help you find insurance coverage options and rates that meet your requirements.

We stay current with the latest insurance updates and local requirements to give you valuable insights. Our knowledgeable insurance brokers can answer your questions, provide helpful resources and offer guidance to help you feel confident making informed decisions.

Check out our customer feedback to see what locals say about our excellent support and insurance services.

Common Homeowners Insurance Coverage in Pennsylvania

Explore the different types of coverage you can choose for your homeowners insurance in York, PA, and the surrounding areas. We can help you find a comprehensive policy that covers losses such as hail, smoke, fire, falling objects and theft of personal property. Or we can help you obtain specialty coverages for unique needs and situations.

Dwelling

Dwelling coverage, known as Coverage A, helps protect you financially if a covered peril damages the physical structure of your home. Some components covered under this insurance may include:

• Roof
• Walls
• Floors
• Foundation
• Windows
• Doors
• Permanent fixtures such as counters, cabinets and appliances
• Attached structures such as decks, porches or garages

Other Structures

Other structures coverage, known as Coverage B, is designed to help you pay for repairs or replacement costs if your detached structures become damaged by a covered peril. The coverage typically includes these structures:

• Detached garages
• Fences
• Sheds
• Pools
• Gazebos

Personal Property

Personal property coverage, known as Coverage C, helps cover the costs of belongings inside and outside your home if they become damaged or stolen in covered events. Depending on your terms, the coverage could help you pay to repair or replace the following:

• Furniture
• Appliances or electronics
• Clothing and jewelry
• Collectibles

Loss of Use

Loss of use, known as additional living expenses (ALE) coverage, may help you pay for temporary living expenses if your home becomes unhabitable due to a covered event or situation. The coverage may reimburse you for expenses incurred while you're away from your property, such as:

• Temporary housing
• Moving and storage fees
• Additional food expenses
• Increased transportation costs
• Miscellaneous expenses for pet boarding, laundry or parking

Medical Expense

Medical expense coverage, known as Coverage F, may help homeowners pay for medical expenses incurred on their property by others. Regardless of who is at fault, the coverage typically covers the cost of immediate medical care, such as emergency room visits or doctor's appointments. This coverage is not overly broad and is subject to the limits set by the policy.

Some policies have exclusions for injuries involving intentional acts, certain activities, communicable diseases or substance abuse.

Family and Personal Liability

Family and personal liability coverage helps protect you from financial responsibility if you cause unintentional damage to someone else's property or if someone is injured due to your negligence. The coverage may pay for legal fees, property damage and medical bills if you're held liable for the accident. You can purchase an umbrella policy to extend your coverage beyond the limits of your homeowners policy.

Scheduled Personal Property

Scheduled personal property coverage offers increased coverage for specific, high-value items such as jewelry, fine art and collectibles. You can individually list and insure each item for its full replacement cost. The coverage helps protect you financially if your valuables become lost or damaged in a covered event.

Find the Right Homeowners Insurance Coverage for Your Needs and Budget

AAdvantage Insurance Group, Inc. is a reliable homeowners insurance company in Pennsylvania. As your one-stop shop for personal insurance coverages and commercial insurance coverages, we're committed to helping you find comprehensive solutions. We get to know you and foster long-term relationships so we can deliver services tailored to your needs.

Save time and effort with our convenient quote process — we're ready to shop multiple carriers for you and give you an overview of coverage options that meet your requirements and preferences.

Call 717-755-2335 to learn more about our offerings or request an assisted quote to get started.