Springfield is a bustling community, with a thriving business area. Residents take advantage of local urban amenities, but when a trip to downtown Philly is on the agenda, they can get there in minutes. Housing prices are above average for the state, but the options are diverse. Whether you choose a home on the golf course or one in Whiskey Run, you need home insurance in Springfield, PA that is tailored to meet your needs at a price you can afford.
Understand Your Risks in Springfield, PA
Homeowners face numerous risks to their properties throughout the U.S. Weather and natural hazards are significant contributing factors in many insurance claims, but each area has specific vulnerabilities. Here are the risks that home insurance in Springfield, PA can protect against:
Wind: The storm systems that move through eastern PA often contain strong winds. These can occur at any time of year. Wind can cause significant damage to the exterior of your home.
Floods: When rain falls more quickly than the ground can absorb, it leads to local or regional flooding. Severe thunderstorms and hurricanes potentially cause flood events in this area, leading to interior and exterior damage, as well as personal possession damage and losses.
Cold temperature: When the temperatures drop below freezing, frozen pipes are a possibility, causing them to leak or burst. You may not realize what has happened until the water starts flowing again, and the damage can be extensive.
Earthquakes: Earthquakes are not as uncommon as you may think in Springfield. The last one that impacted this area was in 2017. Though they are infrequent, when they occur, they can damage the structure of your home.
Fires: No house is impervious to fire risk. They can happen at any time and have numerous potential causes, not all of which are natural hazards. Fire, smoke, and water all contribute to the damage your house receives in a fire.
Theft and vandalism: Though not a natural hazard, homes in Springfield are also at risk of damage from theft and vandalism. This community is a safe place to live, but property crimes do occur.
Pennsylvania law does not require you to have home insurance in Springfield PA, but most mortgage companies do. You want the insurance you buy to protect you from the risks you face.
Know What Is Covered
Wading through policy options is often confusing. HUB International brokers are here to help. We walk our customers through the process of selecting coverage that works for them. Though you see similar coverages across policies, there are differences between providers in coverage, limitations, premiums, and deductibles.
Any policy you choose should offer coverage for damage from fire and smoke, lightning, wind, hail, and theft. It should include sufficient coverage for internal and external repairs, your home’s replacement value, displacement living expenses and personal property losses. Home insurance in Springfield, PA needs to also provide liability coverage for accidents that lead to injury or personal property damage on your property.
Get Adequate Coverage
There can be significant differences between how much a standard policy covers and what you need. A typical policy generally provides coverage for personal possessions, but it may not be enough to replace everything of value you own. If you need extra coverage, your HUB broker can assist you in procuring what you need.
Though floods and earthquakes are natural hazards, standard home insurance in Springfield, PA does not protect you from these perils. To get coverage for either of these, you will need to purchase a separate policy for each.
Get Quality Home Insurance in Springfield PA
At HUB International, we’re dedicated to helping our clients obtain coverage that works for them. Let us help you get the insurance and peace of mind you deserve.