Pennsylvania Homeowners Insurance Quotes

One FEMA deadline extended, one about to expire

Residents who sustained flooding from Hurricane Irene have more time to meet their insurance claim deadline.

The Federal Emergency Management Agency has extended the proof of loss deadline for Hurricane Irene flood victims from Nov. 23 to Jan. 23, according to a N.C. Department of Insurance news release.

The extension goes into effect for flood policyholders in Connecticut, Delaware, Washington, D.C., Georgia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont and Virginia with dates of loss between Aug. 26 and Sept. 4.

Insurance Commissioner Wayne Goodwin sent a letter to FEMA officials on Nov. 18 urging them to extend the Hurricane Irene proof of loss deadline after hearing that many North Carolinians had received inadequate service and were unaware of the deadline.

Meanwhile, the FEMA deadline to file for assistance for non-flood related storm damage is Wednesday. The deadline had been Oct. 31, but that deadline was extended until the end of November.

FEMA can provide help for property damage as well as to residents displaced from their homes.

Assistance can come in FEMA grants or through a Small Business Administration loan program. The SBA loans are not just for business owners but also for home and property owners.

Those who wish to seek assistance from FEMA or get an SBA loan can call 1-800-621-3362. Deaf or hearing impaired can call 1-800-462-7583 for assistance.

Residents can also go online to www.disasterassitance.gov.

Coverage for a Pennsylvania Home Insurance Quote

When you are getting a Pennsylvania home insurance quote it is important to know how much coverage you need to get so that you can get an accurate quote. In order to choose the right policy for you, you will need to understand the typical amounts of coverage provided by most insurance companies, as well as your options for increasing that amount of coverage at an additional cost. This will allow you to get more accurate homeowners quotes in Pennsylvania and make it easier to compare quotes once they have been obtained. Most qualified agents will ask many in depth questions so that they can calculate a rebuild cost estimate for your home. The systems used by many qualified agents will help you insure your home adequately. There are also many instances where you may opt for a “market value” type policy rather than a “full rebuild” policy.

 

Typical Coverage Amounts

 

There are many types of coverage that are included in most homeowner’s policies, and these types of coverage have typical coverage amounts. For example, if you want to have your detached garage or other detached structures insured, they will generally be covered for up to ten percent of the value of your home, many times that is 10% of the dwelling amount. Increaseing the coverage for unattached building is relatively cheap so be sure you’ve reviewed the situation and are prepared to carry the correct amount of coverage.

 

Most policies also cover damage or theft of personal property in the home, and this coverage is usually equivalent to fifty percent of the value of the home. Many of the newer contracts provide 70-75% of the dwelling value in additional personal property coverage. This is another good reason to dig out your policy and have it reviewed. This is one of the most common areas that we find folks are drastically underinsured.

 

It is important to note that in the case of theft, fire or destruction, you will only receive cash value for your belongings up to that amount, not replacement value. All of these things are important to know before getting a Pennsylvania home insurance quote. Adding replacement cost guarantee to your contents coverage will ensure that you don’t fall victim to having your belongings depreciated in the event of a loss. This is a very affordable coverage that you should never go without. Replacement cost on the structure is also recommended.

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