Category: Home Insurance

Living in Willow Grove, PA, homeowners face a variety of potential natural hazards. One crucial way to protect your home and finances from these disasters is by having a comprehensive home insurance policy. Here at the Daniel Fitzsimmons Agency, we want to help you understand what’s typically covered by your policy and what’s not.

Windstorms, Hail, and Lightning

Damage caused by windstorms, hail, and lightning are usually included in standard home insurance policies. This coverage can help pay for repairs if your home or personal belongings are damaged.

Fire and Smoke

Whether from wildfires or household accidents, losses from fire and smoke are normally covered under most policies. Coverage often extends beyond the structure to also include personal possessions.

Weight of Ice, Snow, and Sleet

During the cold Willow Grove winters, the weight of ice, snow, or sleet can potentially damage your property. Most insurance policies usually include protection for these types of risks.

What’s Not Typically Covered?

While home insurance covers a wide range of natural disasters, not all are included. Flood and earthquake damage, for instance, is not usually covered under a standard policy and requires additional coverage.

Understanding the extent of your home insurance coverage can help you make more informed decisions about protecting your home. At the Daniel Fitzsimmons Agency in Willow Grove, PA, we’re dedicated to helping clients find insurance solutions that provide peace of mind. Contact us today to discuss your home insurance needs.

Safeguarding Investments: Navigating Home Insurance Before and After Remodeling

Completing a home remodeling project can bring satisfaction, but it also often presents risks during and after execution. Accidents can proliferate while remodeling and the work can substantially increase your home’s value. To protect your investment effectively, Daniel Fitzsimmons Agency, serving the Willow Grove, PA area, is here to fine-tune your home insurance coverage strategy.

Adjusting Your Coverage for Remodeling and Renovations

Most standard home insurance policies provide limited protection from accidents during home renovations. However, it is advisable to discuss your remodeling plans with your insurance agent before starting work. This guarantees adequate coverage during the project and allows any necessary amendments to your policy.

Remodeling projects often augment electrical and water hazards and potential liabilities for workers, equipment, and materials. Therefore, modifying your home insurance coverage during the remodeling or supplementing with umbrella coverage is often an excellent choice.

After the renovation, your home may be larger or feature enhanced fixtures and furnishings, all contributing to its increased value. These improvements should trigger commensurate changes in your home insurance policy. However, modifications like rewiring or installing new HVAC systems may reduce risks and consequently lower insurance premiums.

Why Choose Daniel Fitzsimmons Agency

Shielding your home from unforeseen events is crucial, as it is often your most significant investment. Proudly serving the Willow Grove, PA, area, the Daniel Fitzsimmons Agency can help you obtain this protection. Whether you are planning a remodeling or other changes, a discussion with our agents can help ensure full protection. Call or visit our office today to discuss your home insurance options.