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Homeowner insurance coverage in Pennsylvania for a mobile home, condo, or stick built house is one of the more affordable annual premiums in the United States. Average insurance rates in the state cost between $625 and $643.

Because of the low cost of insurance, Pennsylvania residents choose to avail of better coverage for their homes, even if mortgage lenders require only a basic policy.

A basic homeowner insurance  policy in Pennsylvania includes the following types of coverage:

· Structural coverage: protects the actual structure of the dwelling and detached structures like garages and sheds from listed perils such as fire, theft, storms, accidents, or vandalism. Coverage should be large enough so that the home could be completely rebuilt.

· Personal Property Coverage: covers personal belongings. The amount of payout is 50% of the home’s value. So if the home is covered for $200,000, personal property coverage is $100,000.

· Liability Coverage: provides protection from lawsuits and claims in the event that the homeowner causes bodily injury or property damage to someone else. It also covers the medical expenses of the injured party.

Being a state with a rich history, old houses are attractive to property buyers because of their historical value. However, this would also mean higher insurance premiums. It is advisable to get a higher coverage which would allow for home restoration.

Also, valuable collections, such as antiques, stamps or coins, need adequate coverage as well. To be able to get a good estimate of its value, it is best to have the items appraised first and then negotiate the amount of coverage with the insurance provider.

In the aftermath of Hurricane Katrina, Pennsylvania residents have become more aware of the destruction and damage that floods cause. Ironically, however, water damage resulting from natural floods (like river overflow, storms or hurricanes) is excluded from the basic policy. One could only make claims for water damage caused by busted water pipes, leaking water heaters and air conditioners.

To be assured of flood coverage, the homeowner should pay extra for the special rider to be added to the policy or, better yet, purchase a separate policy from the National Flood Insurance Program.

Despite the already low cost of insurance, homeowners could still lower their premiums in the following ways:

· Raising deductibles: this is the amount that the homeowner is willing to shoulder out of his own pocket

· Getting multiple policies: Getting other types of coverage from the same insurance provider, such as life and car insurance, would mean additional discounts.

· Quitting smoking: Smoking is considered a fire hazard, so insurance providers would give discounts to non-smoking homeowners and their family members and those who quit this nasty habit.

· Installation of protective devices, such as wrought iron bars and deadbolts on doors and windows

· Installation of fire and burglar alarms and water sprinkler system

It is because of the affordability of homeowner insurance in Pennsylvania that it is strongly advised that every resident get a policy to protect their investment in their home.

Find  homeowner insurance rates in each of these Pennsylvania cities or counties:

Aliquippa – Allentown – Altoona – Ambler – Ambridge – Archbald – Ardmore – Audubon – Back Mountain – Baldwin – Beaver Falls – Bellefonte – Bellevue – Berwick – Bethel Park – Bethlehem – Blakely – Bloomsburg – Blue Bell – Bradford – Brentwood – Bristol – Brookhaven – Broomall – Butler – Camp Hill – Canonsburg – Carbondale – Carlisle – Carnegie – Carnot-Moon – Castle Shannon – Catasauqua – Chambersburg – Chester – Clairton – Clarion – Clearfield – Clifton Heights – Coatesville – Collegeville – Collingdale – Colonial Park – Columbia – Connellsville – Conshohocken – Coraopolis – Corry – Crafton – Croydon – Darby – Darby Township – Dickson City – Dormont – Downingtown – Doylestown – Drexel Hill – DuBois – Dunmore – Duquesne – East Norriton – East Stroudsburg – East York – Easton – Economy – Edinboro – Elizabethtown – Ellwood City – Emmaus – Ephrata – Erie – Fairless Hills – Farrell – Feasterville-Trevose – Fernway – Folcroft – Folsom – Forest Hills – Franklin – Franklin Park – Fullerton – Gettysburg – Glenolden – Glenside – Greensburg – Greenville – Grove City – Hampton Township – Hanover – Harleysville – Harrisburg – Harrison Township – Hatboro – Hazleton – Hermitage – Hershey – Homeacre-Lyndora – Horsham – Huntingdon – Indiana – Jeannette – Jefferson Hills – Johnstown – Kennedy Township – King of Prussia – Kingston – Kulpsville – Lancaster – Lansdale – Lansdowne – Latrobe – Leacock-Leola-Bareville – Lebanon – Levittown – Lewistown – Linglestown – Lionville-Marchwood – Lititz – Lock Haven – Lower Allen – Lower Burrell – Maple Glen – McCandless Township – McKees Rocks – McKeesport – Meadville – Mechanicsburg – Middletown – Middletown – Millersville – Milton – Monaca – Monessen – Montgomeryville – Morrisville – Mount Carmel – Mount Joy – Mount Lebanon – Mountain Top – Munhall – Municipality of Monroeville – Municipality of Murrysville – Nanticoke – Nazareth – Nether Providence Township – New Brighton – New Castle – New Cumberland – New Kensington – Norristown – North Braddock – North Versailles – Northampton – Northwest Harborcreek – O’Hara Township – Oakmont – Oil City – Old Forge – Palmyra – Park Forest Village – Parkville – Penn Hills – Perkasie – Philadelphia – Phoenixville – Pittsburgh – Pittston – Pleasant Hills – Plum – Plymouth – Pottstown – Pottsville – Progress – Prospect Park – Punxsutawney – Quakertown – Radnor Township – Reading – Red Lion – Richboro – Ridley Park – Robinson Township – Ross Township – Sanatoga – Scott Township – Scranton – Shaler Township – Shamokin – Sharon – Shiloh – Somerset – Souderton – South Park Township – South Williamsport – Springfield – St. Marys – State College – Stowe Township – Sunbury – Swarthmore – Swissvale – Tamaqua – Taylor – Titusville – Trooper – Turtle Creek – Uniontown – Upper Providence Township – Upper St. Clair – Village Green-Green Ridge – Warren – Washington – Waynesboro – Weigelstown – West Chester – West Goshen – West Mifflin – West Norriton – West View – White Oak – Whitehall – Wilkes-Barre – Wilkins Township – Wilkinsburg – Williamsport – Willow Grove – Willow Street – Wilson – Woodlyn – Wyomissing – Yeadon – York

Homeowner insurance in Pennsylvania provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on home owner insurance in Pennsylvania above.

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