Home Insurance

Protecting Residences Across Boyertown, PA, Gilbertsville, PA, and More

If you’re a homeowner, acquiring and maintaining thorough home insurance coverage is a must. Your home is one of the most valuable and important investments you are likely to ever make, and protecting it from catastrophe is critical. Keep your peace of mind with a homeowners’ insurance policy from the experienced agents at Gerhart, Hartman & Ritner, Ltd., who provide coverage to individuals and families in Boyertown, Gilbertsville, Douglassville, Oley and surrounding communities.

Why Do You Need Good Home Insurance?

An unfortunate truth of life is that things can go wrong that are completely out of your control. In the case of home ownership, you can be affected by such calamities as break-ins, destructive weather and accidents (such as someone getting injured on your property).

Here are some issues a secure home insurance policy can protect you and your family against:

• Accidental water damage
• Burglary, theft, vandalism and break-in damage
• Fire and smoke
• Frozen pipes or plumbing
• Lightning
• Snow or ice damage
• Water damage from water heaters or cooling systems/appliances
• Windstorms and hailstorms

What Kind of Home Insurance Is Right For You?

Home insurance can encompass many facets, including property insurance, homeowners liability insurance, ordinance or law coverage, home sharing coverage and scheduled personal property insurance. In order to determine what kind of home insurance works best for your circumstances, consult an agent at Gerhart, Hartman & Ritner, Ltd. today.

How Do Home Insurance Claims Work? 

As a policyholder, you may need to file an insurance claim with your insurer asking that they compensate you for a covered loss. After you file your claim, a few steps will typically occur. First, your insurer will review your claim. Next, if they approve your claim, they will begin to issue checks so you can start making repairs and replacing your belongings. If they deny your claim, they will notify you of that decision. It’s essential that you maintain constant contact with your insurance agent throughout the claims process. 

How Do Home Insurance Deductibles Work? 

A deductible is the amount of money you’re required to pay out of pocket toward a covered claim before insurance kicks in to cover the costs. Most homeowners insurance companies offer two types of deductibles: a fixed deductible and a percentage-based deductible. Your deductible affects the cost of your home insurance and your coverage. A higher deductible can make your homeowners insurance more affordable but repairs more costly, whereas a lower deductible can lead to more expensive insurance rates. When choosing your deductible, pick one that makes sense for your budget and what you can afford for any repairs or replacement.  

Make a Sound Decision Today

By getting proper home insurance coverage, you are setting a key financial asset of yours up for success. Don't risk letting unpredictable forces or a costly mistake hurt the life you have built.

We offer several forms of coverage to suit all kinds of situations. Gerhart, Hartman & Ritner, Ltd. today will build a policy shaped around your specifications. Request a quote or contact us to get started and learn what we can do for you.

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