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November 6, 2015 in auto insurance, Bradford Car Insurance, car insurance in bradford, car insurance in bradford pa, home insurance, homeowners insurance, homeowners insurance companies, homeowners insurance policy, homeowners insurance quotes, homeowners policy, Homeowners quotes in Bradford, Homeowners quotes in bradford pa, homeowner’s insurance increases

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What are the factors that increase my homeowners insurance rates?

March 20, 2013 in bradford, Bradford PA, bradford pennsylvania, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, homeowner’s insurance increases

Home insurance is just as important as any other insurance out there. It protects the place you and your family live in. As days go by, you find that your homeowner’s insurance increases and you might feel like you can’t pay the premiums anymore. Below are some of the common factors that affect the rate of your house insurance.

One thing you should consider is the location of the house. There are insurance companies that will either refuse or give high premiums depending on the location of the house. If the house is near the sea and is prone to tornadoes, then your premiums will be high. So you should ensure that when you buy a house, it should be a few miles from anything that can cause a natural disaster.

Another thing that you need to consider is the plumbing of the house. This is very important to the insurance provider. Most insurance providers will only reduce the cost of the premiums if you have upgraded the plumbing in the last 20 years. If not, it will be very expensive for you. It is also common to get discounts if the roof is new.

The electric system is also very important. This is because very many fires in the state of Pennsylvania are caused by electricity. It is important that the electric system have current codes. It should not be old fashioned as this will be difficult to maintain and may also cause problems in the future. If you have the current system then you will get discounts.

The distance between your house and the fire department is also a very important issue. This is because if the house were to catch fire, the fire department will be there much faster than if the house is far away. So the people with houses near the fire department offices have lesser rates than those living far away.

These are just some of the points that can make your home insurance rise. It is important that you know these factors so that you can control the premium rates that you pay to your insurance provider. Not only does it save you a lot of money, but you will also get assured that your house that is safe. Before picking a cover ensure that it suits you. Even if it might be expensive at the moment, if it covers you well, then use it. You can always find other ways of reducing the rates. Like for example paying your premiums on time will make you a valuable client thereby reducing your rates.


What are the different types of home insurance policies?

February 22, 2013 in bradford, Bradford PA, bradford pennsylvania, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, Pennsylvania Homeowners insurance

Your home is a sacred place. It is your comfort zone and so you would like it to be there forever. However, there are some things that might damage your home. Things like floods, fire and even burglary have destroyed so many homes already. This is why it is important that you get insurance for your home in PA. This will ensure that no matter what happens to your house, you can always have it back. There are very many different types of home insurance policy covers in the state of PA. The different types of pennsylvania homeowners insurance range from HO1 to HO8 but there is no HO7.

HO1 is a cover that only covers house hold items. It is therefore mainly concerned with burglary since the thieves are more likely to steal these kinds of items. It can also cover the home from explosions and animals. This is the most basic kind of insurance and is also very affordable.

HO2 on the other hand is for particular parts of the house. This means that you can insure your living room, or your bedroom or any other part of the house. It will also insure you against ice slides and landslides. It is therefore very useful for people who live in areas that are prone to such disasters.

HO3 is the policy that will cover the whole house. It will cover the contents of the house and the structure of the house itself. It will also take care of all the expenses if any outsider is injured in the premises. It also covers against things like war and earthquakes.

If you live in a rented apartment, it will suit you to get the HO4 cover. It is important due to the fact that it covers the house from everything. It not only covers the house but also the items you have in the house. You will therefore save more if you get it as a tenant. HO5 is typically the same as HO3.

HO6 is the cover designed for condo owners. It will insure the condo and its premises. The last cover is HO8 which is the cover for old homes.

As you can see, there are very many different types of home insurance covers. Therefore, there is no need for anyone to lack a homeowner’s insurance. Even if you do not own the home, there is the cover that caters for tenants. These covers will not only keep you and your home safe but also your visitors.


What You Need to Get a Pennsylvania Home Insurance Quote

February 19, 2012 in bradford, Bradford PA, bradford pennsylvania, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, homeowners insurance, homeowners insurance quotes, Homeowners quotes in Bradford, Homeowners quotes in bradford pa, Homeowners quotes in pennsylvania

When you go to get a Pennsylvania home insurance quote you need to have several pieces of information handy. If you are not prepared for the barage of questions that will come from the online quote form or the customer service representative you speak with, you will likely have trouble getting an accurate quote. All of this information may be necessary depending on the company you are getting a quote from. It is better to be prepared and have too much information than to be caught without the answers and no quote to show for it. This is the most efficient way to go about getting homeowners quotes in Pennsylvania and to ensure that you get the most accurate, most competitive price available.


Basic Information


There is some basic information about the home that is going to be required for any Pa. home insurance quote. This information will include, of course, the address and county of the home. You will also need to know the year and type of construction of the home, as well as the total square footage.The agent will also need to know if the home has a circuit breaker or fuse box. You will also need to know what type of heat the home has, and the age of the system. The age of the roof, heat, electrical system updates is a critical piece of underwriting information so be sure to research this before you make your call.


You will need to tell the agent whether or not the home has a garage, whether this is attached or detached, and the dimensions of any porch, deck or breezeway. You will also need to inform them of whether the home has deadbolts, smoke detectors, fire extinguishers, and an alarm system.  Many carriers in Pa will offer substantial discounts for safety devices that reduce the risk of fire or increase the odds of prevention. Be sure to ask the agent what the discount might be if you were to install extra safety features…sometimes the cost invested can be offset by teh savings fairly quickly.


Finally, you will need the purchase price or current coverage amount on the home. If you supply a purchase price you must also provide the name and phone number of the lender. Most of this information is readily available, and you should have gotten this information when you purchased your home. Many companies will allow you to choose a full replacement policy or an actual cash value policy(based on purchase price) Look to a reputable agent to explain the important differences between these policies and what may be best for your family.


Other Information You Need to Gather


Some of the information you need for homeowners quotes in Pennsylvania is not the type of information you will have on hand. You may not even know the answers to these questions, and have to check with your realtor to get the answers. If you don’t have the answer to something and you can’t get it from somewhere else, your quote may be higher and inaccurate.


For example, you will need to know the type of roof material and the age of the roof, as well as its condition. You will also need to know how many feet it is to the nearest fire hydrant, and how many miles it is to the nearest fire department. Other information may also be needed for a specialized quote. If you are unsure what you need for a quote you should contact the agent in question and ask for a list of information that will be requested of you. Often they will email you the list or send you a list or questionnaire in the mail. Once you are armed with this information, getting a Pennsylvania home insurance quote is easy.

Special Considerations for Farmers and Pennsylvania Farm Insurance

January 6, 2012 in actual cash value coverage, bradford, Bradford PA, bradford pennsylvania, farm insurance bradford, farm property insurance bradford, farm structures, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, homeowners insurance, homeowners insurance companies, homeowners insurance policy, liability insurance, liability insurance bradford, replacement cost coverage, umbrella coverage

Pennsylvania is a very rural state, with many of our residents living on and working family farms. There is a great deal of diversity among Pennsylvania farmers – some own their property and others rent, some raise crops and others raise livestock. While farmers share a lot of the same insurance needs as homeowners, there are other factors that should be considered when looking for farm insurance. Like homeowners and renters policies, coverage is usually either replacement cost or actual cash value. Replacement cost coverage will pay the full amount to repair or replace covered property or structures without regard to depreciation. The premiums for this coverage are usually higher, and replacement cost should be indicated in the policy. Actual cash value coverage, while less expensive, will reimburse you for your losses after accounting for the age, condition, and value of the property or structure.

Pennsylvania Farm Property Insurance can generally be separated into 4 different categories that you should discuss with your insurance agent:

Home and Contents

Insurance for Personal Farm Property

Insurance for Farm Structures

Liability Protection


Home and Contents:

This portion of your farm policy is very similar to a regular homeowner’s insurance policy. It covers your home, your personal household property, and other buildings or outdoor equipment such as garages, storage sheds, satellite dishes, and landscaping. If you rent your farm, then this portion of your farm insurance policy would be similar to renter’s insurance, providing coverage for your personal property.


Personal Farm Property:

Personal farm property coverage would include farm equipment and machinery, supplies, livestock, farm tools, and farm products such as grain, animal feed, seed, and fertilizer.


Farm Structures:

Your farm structures insurance covers you in case of loss or damage to the many different types of structures that you may have on your farm. This would include barns and outbuildings, confinement facilities, dairy parlors, silos, portable buildings, pens, chutes and corral fencing, building materials for farm buildings, and fixed irrigation equipment.


Liability Protection:

This is the most important part of your pennsylvania farm insurance policy. Farming is a very hazardous occupation; accidents can and do happen. No matter how careful you are, accidents can happen to visitors, workers, or others who may be on your farm property. Personal and farm liability insurance is essential to protect your farm and your business. It provides payments for your legal liability up to the limits of your policy, in the event that someone is injured or someone’s property is damaged, while on your farm. Liability insurance will also pay the medical bills for people that have been accidentally injured while on your farm, up to the limits of your policy.


Additional liability coverage can be obtained by purchasing umbrella coverage. Like an umbrella, this coverage arches over your existing pennsylvania auto, homeowner, and farm policies, providing an additional layer of liability protection.