Which Policy Do You Have ? a Form 2…a Form 3…  a Form 5 ??

bradford, pa homeowners insurance

Which Policy Will Cover You The Best ?



“Value” on Homeowners insurance is finding an agent who can give you the right guidance and provide the kind of coverage that will be there when you need it. If you think value is getting the absolute lowest price on insuring the biggest investment of your life you could be in for some disappointment.  If you’re unfortunate enough to have a large homeowners claim you don’t want to find out your “walmart” policy didn’t protect you nearly as well as it should have. When most people hear the word “insurance” they think of their cars, but in many cases their home is the most important and expensive piece of property in Pennsylvania they own. Our agency offers a variety of comprehensive  Pennsylvania homeowners insurance policies to choose from and these plans can be tailored to suit your individual needs and budget.

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 At Williams Agency Insurance we also cover:


* Landlord’s Insurance
* Renter’s Insurance
* Condo Insurance
* Motor Home Insurance
* Flood Insurance
* Secondary Residence Insurance

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What Discounts Can I Get ?

* Multi-policy – By insuring your Pennsylvania  auto and home with ERIE, you will receive a discount on your auto premium as well as your homeowners insurance premium.

* New Home – Receive a discount if you live in a new Pennsylvania  home.

* Premises Alarm – This discount is applied to your premium if you have smoke detectors installed in your Pennsylvania home.

* Sprinkler System Credit – If you install and maintain a sprinkler system, you will receive a credit on your Pennsylvania homeowners premium.

* Deductible Credits- for taking more of the smaller risks as your responsibility can dramatically reduce your annual premium

*Deadbolts, Fire Extinguishers, Current Updates, and the list goes on…we search out every possible discount for you


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Insider Tips on Shopping For Homeowners Insurance

1- Are you getting a replacement cost policy or an actual cash value policy ? There is a huge difference that could bankrupt you if you make the wrong choice or aren’t informed properly.


2- Did the agent gather enough information to properly estimate the true replacement cost of your home. Again, this is an area where just getting a quote can be very dangerous if you have not met the conditions of your homeowners contract. You shouldn’t be expected to know these things, a good agent will explain the differences and penalties for not meeting coinsurance requirements.


3- Be sure you get credit for alarm systems, sump pump alarms, smoke detectors, firewalls, masonry construction, fire station location. CO2 detectors, emergency lighting, etc.


4- What about collectibles ? Camera Equipment ? Guns ? Boats ? Trampolines ? Dogs ?  many factors will influence your rating and leave coverage gaps you need to know about. Be sure your agent knows about or asks about any of these types of items.


5-Claims history- Pa allows insurance companies to surcharge for claims history so be sure to disclose any previous claim activity to the prospective company. Surcharges can be applied for any type of claim and any amount of damages paid out. Keep this in mind next time you’re contemplating calling your agent with a $500 claim. Is it better to pay it out of pocket and avoid a surcharge for the next 5 years ?


6- Credit History, Those with good credit will often be offered a much better rate on their homeowners insurance.


7- Is your policy a Form 2 ?    a Form 3?   A Form 5 ?   Find out which coverage you have and why it should be upgraded to the absolute best policy form you can qualify for.  Here’s one of the biggest value’s of a personal agent to advise wnat’s best for you. Call us right away and we’ll help you decide what makes the best sense for you.






 The Best Policy at The Best Price….Or Your Money Back…That’s Our Guarantee




What do our customers think of our service ?………..




Williams has provided us with the best policy ever.  Our premium is great, our coverage is great.  Never have had any paperwork crossed up, unlike other providers.  Always able to help when I call.  The Williams Agency is very well maintained and always pleasant.” 

-B. & J. Shall   Custer City, PA 


“The Williams Agency has been very good to our family.  It wasn’t too long ago that we received information on how we could save even more money on our insurance.  The Williams Agency did the research and my family saved money.  Every penny counts!  Thank you very much!” 

-S. Hollamby   Bradford, PA 


“I, Diane Allbright, have been very happy with Williams Agency.  Do to the fact that I run a care home, I have to carry enough insurance coverage.  When I came there they saved me $1,500 per year.  And now a few years later they have been very personal to adjust my insurance again and not overcharge but give me just what I need.  Thank you Williams Agency.” 

-D. Allbright   Bradford, PA 


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Available “Add On” Endorsements

ERIE offers a variety of optional coverages to meet your individual needs and these can be added to your homeowners policy by endorsement for a minimal additional premium:

* Expanded Endorsement – You can increase the special amounts listed under the Personal Property Coverage section of your policy.

* Enhancement Endorsement – This endorsement increases the special amounts to even higher limits and includes these additional benefits:

o Payment for direct loss caused by water or sewage that backs up through sewers or drains.

o Payment up to an additional 10 percent of the amount on Dwelling Coverage for loss to trees, shrubs, plants and lawns on the residence premises.

o Waiver of deductible shown on the policy declarations page for any loss from covered peril, exceeding $50,000.

* Additional Endorsements – In addition, some of the other available endorsements include:
o Earthquake Coverage
o Nurse’s Professional Liability
o Personal Computer Coverage
o Replacement Cost on Personal Property


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