Having Pennsylvania homeowners insurance is an important part of owning a home in Pittsburgh. Pennsylvania Homeowners insurance can be purchased by individuals who live within the state and there are many insurance companies with different coverage options available. Even people who live outside of the state but own property in Pennsylvania can purchase Pennsylvania homeowners insurance. Pennsylvania is ranked as one of the states with the best homeowners insurance rates, and most people will qualify to purchase homeowners insurance. In fact, based on recent surveys, Pennsylvania beats the national average cost for home insurance.
Generally, homeowners insurance in Pennsylvania can cover risks that can arise against your personal property which could include fire damage, windstorm damage, vandalism, personal injury on your property (including your dog), theft of things like jewelry and electronics, water damage due to burst pipes or flooding, and other risks which might affect you.
The standard policy for homeowners insurance in Pennsylvania is designed to protect your personal property and to help cover or offset replacement costs in the event of a loss. A mortgage lender will require a home insurance policy with replacement cost coverage.