H&M
INSURANCE AGENCY
Home Insurance for Pennsylvania Homeowners
Comprehensive protection for your home, belongings, and family.
Pennsylvania Standard Coverages
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Dwelling Coverage — Protects the physical structure of your home from covered losses such as fire, storms, vandalism, and more.
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Other Structures — Covers detached structures on your property, such as garages, sheds, fences, and driveways.
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Personal Property — Covers your belongings, including furniture, electronics, clothing, and valuables, if they are damaged, destroyed, or stolen.
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Liability Protection — Covers injuries or property damage you accidentally cause to others, including legal defense costs.
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Medical Payments to Others — Pays for minor medical expenses if a guest is injured on your property, regardless of fault.
Optional Coverage Add‑Ons
(These can be added for extra protection.)
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Loss of Use — Pays for temporary housing, meals, and living expenses if your home becomes uninhabitable after a covered loss.
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Water Backup — Covers damage caused by sump pump failure or backed‑up drains.
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Scheduled Personal Property — Provides higher coverage limits for valuables like jewelry, watches, collectibles, and fine art.
Why Choose Us?
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Personalized home protection
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Multiple Carriers
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Competitive pricing
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Local Pennsylvania expertise