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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 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.


Fire Safety: Reduce Your Risk And Find Cheap Pennsylvania Homeowners Insurance

January 2, 2012 in bradford, Bradford PA, bradford pennsylvania, Cheap bradford homeowners insurance, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, homeowners insurance

Several serious house fires have made the news in recent months, leaving many locals wondering how to prevent such a disaster in their own home. Fortunately, there are plenty of ways to reduce the likelihood of a fire in your home, and minimize the severity if one does occur. By following these precautions, you may even be able to find cheap Pennsylvania homeowners insurance or reduce your current rates.


The first thing to do is a simple walk-through of your home. Look for fire hazards such as overloaded or damaged outlets. Be sure to keep an eye out for melted or cracked casings, as well as outlets that do not have power to them. These can be a sign of wiring problems, which can cause fire. If you have children, be sure to take their perspective into account. Some experts recommend involving them in the process. An easy way is to play a version of “I Spy,” which can show you what they are seeing. Be sure to include the garage or attached storage areas in this, as they can often house flammable chemicals or too many extension cords.


It is also important to do a smoke alarm audit. This involves checking the location and function of every alarm in your home. Make sure you have a minimum of one per floor, but preferably more. Be sure they are placed near sleeping areas and in the kitchen, and are mounted high on the walls or on the ceiling. Test the battery function and make sure they are in good repair. It is also a good idea to make sure they are all UL listed, as other smoke alarms may not be made to the highest standards. This may even be required by your Pennsylvania home insurance company.


One safety precaution that is often neglected is simply having fire extinguishers strategically placed around the home. Most experts recommend having at least four in the average family home. There should be at least one on each floor, and one in high-risk areas such as the kitchen and the garage. As with smoke alarms, these should be UL listed and checked periodically. Some Pennsylvania home insurance quotes may ask about precautions such as this and factor it into your rates.


Finally, you will need to plan for what to do if a fire occurs. Since fatal house fires often happen while people are asleep, be sure to have an escape plan from every bedroom. Parents and older children should determine who is responsible for making sure younger children get out of the house. Also, make sure young children know basic precautions such as “stop, drop, and roll,” and never to play with matches or candles. Parents and older children should also brush up on fire safety tips.


Fire is a serious risk, but there are many things that you can do to minimize the chances of one and even help you find cheap Pennsylvania homeowners insurance. For more information on home safety and making sure you have the right insurance coverage just in case, check out Williams Agency.

Do Some Simple Research To Discover Cheap Bradford Pennsylvania Homeowners Insurance Policies

December 18, 2011 in bradford, Bradford PA, bradford pennsylvania, Cheap bradford homeowners insurance, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, homeowners insurance, Pennsylvania Homeowners insurance

Our home is our haven at the end of the work day. Here we keep all our valuables and look forward to relaxation and privacy. Our home shelters me and my family, keeping us safe and protected. Our home is our most expensive and valuable investment. Cheap Pennsylvania homeowners insurance provides affordable protection for the home we love.


When we bought our home, our mortgage company required us to carry homeowner insurance so they are protected from loss if something happens to the house before we finish paying for it. We also wanted insurance coverage to protect ourselves so we can rebuild or repair it if something happens. We wanted as much coverage as we could afford, but we sure did not want to pay any more than we had to for good coverage. We also wanted to find a reputable insurance company with good customer service when claims have to be filed.


First, we got recommendations on different insurance companies from friends and family members who use them. We also checked online for names of the leading companies selling insurance in our state. Next, we decided what types of coverage we wanted to request and gathered the information we needed to provide the companies in order to receive a realistic policy cost quote. We gave the agents the value, age, and square footage of the house. We told them about our safety devices of an alarm system and smoke detectors. We also figured up what our furniture and other home contents were worth. Then we gathered a dozen Pennsylvania home insurance quotes and studied them. We compared the quality of the different coverage policies and the company’s reliability as well as the total cost.


We discovered that if we bundled our homeowners insurance with our auto insurance, we received a bigger discount. Our family is very safety conscious but we learned that by doing a few things more, like adding carbon monoxide detectors upstairs and downstairs and putting a fire extinguisher on each level, we also got a break on our rates. We learned about liability concerns about our family’s trampoline and added a safety net so we could insure it. We bought a fire and waterproof safe to keep jewelry, guns,  and important papers inside. One agent suggested we develop a family emergency escape plan and practice it and we did. We accepted the highest deductible we could afford to help keep our overall rates down. Our house is now covered for fire, smoke, tornados, fallen trees, wind damage, broken windows, burglary, vandalism, hail and other weather related-damages, and water damage from plumbing leaks. We covered the contents of our house for their replacement value, not their actual value. This way we can get the latest electronics to replace ours if they are stolen or destroyed and we can replace all our furniture and clothes if we ever have the need.


In the next few years, we want to install an in-ground swimming pool. Thanks to our insurance company, we already know what we have to do to make it safe and affordable to insure when the time comes. We will also review our house and contents coverage annually now to make sure we keep enough insurance coverage for all our needs. We found the Williams Agency had detailed information, which helped us a lot. Check them out online at Williams-agency.net if you need rate quotes and help to find the right insurance for your home.