Trampolines – They’re fun. They burn energy. They keep kids off screens. But they also increase liability risk significantly. Let’s review your homeowners policy before the jumping starts.
Running a business out of your home?
Great.
But your homeowners policy won’t cover business property or liability.
That’s where in-home business or commercial coverage comes in.
Sewer Backup & Sump Overflow - Gross but true — this isn’t covered unless you add a water backup endorsement. It’s one of the most cost-effective add-ons you can buy.
We’re proud to serve homeowners right here in our community. If you’re new to the area, buying a home, or just thinking about switching — we’d love to help protect what matters most to you. (814) 724-5052
Home insurance has small limits for jewelry, furs, guns, and fine art — often only $1,000–$2,500.
Big-ticket items need to be scheduled on your policy.
House shaking, shifting, sinking, settling — not covered by a basic home policy.
Earthquake endorsements or separate policies are needed. (814) 724-5052
There are a lot of places where you can buy homeowners insurance. But if you want a local team who knows the area and truly looks out for you — we’d love the opportunity.
The year, make, and model of your car — OR the age and condition of your home — are major rating factors. Expensive to repair? Uncommon parts? Older roof? High horsepower?
All of that influences your premium.
Risk level = rate level.
Higher limits, lower deductibles, extra protections — they all affect price.
We can help you balance cost vs. coverage so you get the best value, not just the lowest price.