Blairsville PA Home & Car Insurance
Home Insurance in Blairsville PA
A Home insurance policy provides financial protection in the event that your Blairsville PA home or your personal items are damaged. Your home insurance policy covers the following:
- The structure of your home – from the most common causes of loss
- Your personal belongings – clothing, furniture, appliances, etc.
- Liability protection – Claims against you for property damage or bodily injury
- Additional living expenses – if damages force you to leave your Blairsville, PA house while it is being rebuilt or repaired.
- Other structures on your property – For example sheds, non-attached garages, etc.
Coverage for these items vary depending on your policy. Our Insurance agents can create a comprehensive policy that provides adequate coverage in the areas you need. There are different types of home insurance policies options. You could get a basic policy or one that will provide a much broader range of protection. Most policies will cover damage caused by fire, windstorms, lightning, hail theft or vandalism. Normally you need a separate policy to cover your home from floods, earthquakes, sinkholes and intentional acts are excluded in all policies.
For more information about home insurance in Blairsville, Pennsylvania, contact us today! We can offer you numerous options for creating a customized and comprehensive home insurance policy.
Blairsville PA Car Insurance
Almost every state legally requires you to have car insurance before registering a vehicle. Your car insurance policy should be discussed and reviewed with an insurance agent.
Car insurance policies usually provide these basic coverage options:
Bodily Injury Liability
This covers the cost of injuries to someone else resulting from an accident you cause, up to the policy limits. This may include medical bills, list wages and pain and suffering.
Property Damage Liability
This pays for damage that you cause to someone else’s property or car, up to the policy limits.
Medical Payments/Personal Injury Protection
Pays medical bills for injuries to you or your passengers caused from an accident and, in cases, lost wages, funeral expenses and other damages.
Uninsured/Underinsured Motorist Coverage
if a driver without insurance or without enough insurance injures you in an accident, this coverage pays medical bills for you and your passengers; up to the policy limits.
Collision coverage pays for repairs to your car after an accident, regardless of who was at fault. This coverage is normally required if your vehicle is financed or leased. In the event of an accident, there is and out-of-pocket deductible expense that needs to be paid. You can select from different deductible options, one that you’re comfortable paying in the event of an accident.
This coverage pays for repairs to your car after damage from something othan than an accident, such as loss caused by theft, storm, flood, fire, etc. If your windshield (and other glass) should need replaced or repaired, this coverage also pays for it.