It’s no secret that home insurance rates have been on the rise in recent years. And your rates could be even higher if you live in or near a high-risk area. But what many Canonsburg, PA homeowners don’t realize is that installing a security system may provide them peace of mind and help save money on their home insurance premiums.

Security Systems and Home Insurance

Many insurance companies offer discounts to homeowners who have security systems installed in their homes. These systems deter burglaries and other crimes, leading to your home insurance policy claims.

We suggest you check with The Hansen Agency LLC about requirements before you install a system. Some insurers require specific brands or styles and professional installation. You may also need to purchase a policy rider to cover the system.

How Much Can You Save?

The amount you’ll save on your premium will vary depending on your insurer and the type of system you have installed. But it’s not uncommon to save 5% or more on your home insurance by installing a security system. You may need to update the system over the years to maintain the discount, but it’s worth it for the peace of mind and potential savings.

Other Benefits of a Home Security System

Besides the savings on your home insurance, a security system can also make your home safer. And that’s something you can’t put a price on. Keep your family and belongings safe by installing a security system in your home today.

For more information on home insurance and to get a free, no-obligation quote, contact The Hansen Agency LLC in Canonsburg, PA.

Are you buying, or do you own, a residence in Canonsburg, PA? If so, you should know that homeowner’s coverage is a must. Besides protecting your home and possessions, it can also provide liability protection in case someone is injured on your property.

Considerations for Choosing a Policy

There are many factors to consider when choosing a homeowner’s coverage. The first step is to determine how much coverage you need. You’ll need to estimate the value of your home and possessions and also think about whether you want to add liability protection. A representative from The Hansen Agency LLC can help you determine the right amount of coverage for your needs.

Additional Protection

Your insurance company will also need to know about any risks associated with your home that might require additional protection. For example, if you live in a flood zone, you’ll need to purchase flood insurance. The same is true for homes in areas that are prone to wildfires or earthquakes.

Insurance Deductable

Another thing to consider is the insurance deductible. This is the amount of money you will have to pay out of pocket before your insurance company begins to reimburse you for losses. The higher the deductible, the lower your premiums will be. It’s important to discuss these factors with an insurance agent so that you can make the right choices for your needs.

Regular Coverage Reviews

It’s important to review your policy every year and make changes as needed. For example, if you’ve added new possessions or renovated your home, you’ll need to update your policy to reflect those changes. Homeowner’s insurance is a significant investment, and it’s essential to choose the right policy to protect your home and possessions. Working with an insurance agent can help you make the right decision for your needs.

The Hansen Agency LLC serving the Canonsburg, PA community can help you make the right decision for your needs.

Your home is the biggest investment most people will ever make. Making sure it is protected is important. Having the right home insurance gives you the safety net you need. At The Hansen Agency LLC in Canonsburg, PA, we know that your home is your castle, and we work with you to make sure you can sleep at night knowing you are protected. We are independent agents, which means we offer policies from a variety of carriers, and we can provide our customers with choices. 

Is home insurance required in Pennsylvania?

No, the state of Pennsylvania does not require that you have home insurance. If however, you have a mortgage, your lender will require it since they have a vested interest in your home. 

What coverage does home insurance provide?

Home insurance gives you property coverage for the physical structure of your home as well as any other structures on your property such as a detached garage or shed. It also covers your content either for the cash value or the replacement cost. Home liability coverage is an important part of your home insurance in the event someone is injured while visiting your home or by a family member away from home, even your furry friend. Additionally, if your home is damaged, your home insurance will help you to have a place to stay while your home is being repaired. 

Will my home insurance cover my home if it is flooded?

If a pipe bursts within your home, yes it will. If the flooding comes from a sewer backup, it probably isn’t covered, and if it is surface water, you won’t be covered. 

In Canonsburg, PA The Hansen Agency LLC provides the home insurance coverage that our customers want and need. You can contact us on the phone or in person, we are here for you.