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Todd Lorenzi Agency
Homeowners Insurance in Pennsylvania & West Virginia
Your home is likely the most significant investment you will ever make, and it carries a great deal of responsibility. As the center of your family life, it provides both stability and security. Ensuring you are properly protected against unforeseen losses, such as natural disasters or theft, is a vital part of being a homeowner in our region.
Our agency offers a diverse range of options to protect your property and personal assets following an unexpected event. We recognize that insurance requirements differ from one household to the next, so we specialize in customizing plans for your specific needs. Because we prioritize clear communication, our team helps you fully understand your coverage limits, deductibles, and protected losses.
Homeowners Policy Highlights
In Pennsylvania and West Virginia, a standard homeowners policy generally includes protection for:
- Dwelling: Coverage for your primary house and attached structures (including electrical, plumbing, and porches).
- Personal Property: Protection for items inside the home, such as appliances, furniture, clothing, and electronics.
- Liability: Defends you against claims of injury on your property or damages caused by your property.
- Medical Payments: Handles medical costs if a guest is injured while on your premises.
- Loss of Use: Manages additional living expenses if a covered loss makes your home uninhabitable.
- Other Structures: Covers unattached buildings like sheds, barns, or detached garages.
Supplemental Coverages & Local Risks
Standard policies often exclude specific local risks like mine subsidence, earthquakes, and floods. Additionally, if you own high-value items like jewelry, art, or firearms, you should discuss “scheduling” these items for full protection.
It is important to notify your agent if your property includes pools, trampolines, or dogs, as you may need to increase your liability limits to account for these specific risks.
Contact our offices in Washington at 724-222-3690 or Uniontown at 724-437-7147 to build your custom homeowners policy today.
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