Philadelphia Homeowners Insurance
Why Choose Us?
- We Save you More on Homeowners Insurance
- Reliable, Community-Trusted Provider
- Custom Policies Backed by Leading Insurers
Smart Homeowners Choose Smart Insurance
Our customers save an average over 17% on insurance!*
You’ve worked so hard to buy your home; make sure your hard work and money invested is protected in the event of a disaster. Homeowners’ policies protect your home against damages to the home itself (the structure of your home), the possessions within the home, and even liability coverage against accidents to others in the home or on the property.
Properly insuring your home is needed in case you need to rebuild your home if it is damaged or destroyed. Underinsuring can lead to unexpected out of pocket expenses which can be avoided by properly valuating your homes cost. Expensive items like furs, jewelry and even silverware is typically covered; however, with a smaller dollar limit if they are stolen. To properly insure your valuable items, there are endorsements that can be added to insure the items for their appraised value.
The liability portion protects the homeowner from lawsuits brought against you as a result of bodily injury or property damage that the homeowner or their family members and even your pets cause to other people. In addition to paying for losses, the policy will pay for legal fees associated with defending the homeowner if court. The liability portion can even cover no-fault medical coverage. For example, should your neighbor be injured in your home, the injured party can submit the medical bill to the homeowners insurance company; although, the limits are typically between $1,000 to $5,000.
A homeowner’s policy can also provide additional living expenses if damages to your home cause it to be inhabitable and the homeowner is required to live off premises. Such reimbursements can cover hotel bills, meals and other expenses incurred while the home is being repaired / rebuilt.
Did you know there are 7 forms of homeowners insurance which offer different levels of protection depending on the type of homeowner? With so much to consider when selecting a homeowners policy, the process does not need to be hard or overwhelming when you have a knowledgeable agent working by your side.
As a homeowner, whether you live in a house or a condominium, have a vacation property or a vacant property, you want to make certain you are completely and properly covered. Founding Agency is here to help guide you in doing so.
With homeowner insurance, there are a multitude of coverage, deductibles and limit options, which is why we will help you make sure you get the right coverages at the right price with one of our many carriers.