Pennsylvania property insurance is one of the most important investments you will make to protect what you own. The property insurance in Pennsylvania you choose could save or sink your business should losses occur. You’ll want to be sure your Pennsylvania property insurance coverage includes every possible scenario that could affect your assets, from natural disasters to business trademark theft.

Homeowners insurance in Pennsylvania can cover your home, any detached buildings like sheds and garages, furniture and appliances. A policy can provide money for added living expenses should you be forced to reside elsewhere due to a covered disaster. Commercial property insurance in PA covers your physical assets as well as the intangibles, like computer virus protection and extra funds to cover income interruption due to property damage.

Important things to consider when choosing a PA property insurance plan include:

1. Named perils policies vs. all-risk policies

2. Premium payments

3. Additional-expense insurance options

4. Whether you need flood insurance with your PA property insurance

Action Steps
The best contacts and resources to help you get it done

Decide what type of PA property insurance is most suitable for your home or business

Pennsylvania experiences very few natural diasters. Named perils policies will cover most of natural disaster likely to occur in Pennsylvania. All-risk policies cover the more unusual risks, like damage from wild animals.

I recommend: Research PA property insurance packages and see what both types of policies have to offer. Consider Affiliated FM’s “proVision all-risk policy.” Also look at the “HomeProtector named perils packages” offered by Erie Insurance Group, a top rated homeowners insurance company in Pennsylvania.

Determine any extra PA property insurance policy needs

Extra policy needs may be specific to your type of business, your residential location, your product or any other external factors. The extra policy covers damage to your property from things not covered in a standard policy. Take inventory of your valued property to determine what assets you want covered. Determine whether you need to consider flood insurance before discussing it with property insurance companies in Pennsylvania.

I recommend: Use LoveToKnow’s "General Home Inventory Form" to value your physical assets. Evaluate your risk profile for flood insurance needs at Floodsmart.gov.

Compare property insurance companies in Pennsylvania for the best rates and customer service record

Find quotes online from a number of different property insurance companies in PA. Consult insurance agents for advice and help finding the best policy.

I recommend: Search PA insurance agents by zip code at InsureMyHouse.com. Get free quotes from local property insurance companies in PA like Pennsylvania-Home-Insurance.com and PennSave.com. Get quotes on Pennsylvania commercial property insurance from NetQuote, Inc. and local insurance agency Williams-Cleaveland.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Insurance companies do not include flood insurance with standard property insurance in Pennsylvania. Flood insurance requirements are determined by flood zone. Many companies offer deals to include flood insurance in your insurance plans, but you may save money without it.
• •  Consider purchasing extra property insurance in PA for snow, ice and sleet damage. The southern region of Pennsylvania gets quite a bit of sleet and ice in winter that can cause widespread property damage, most often collapsing rooftops and caving in walls.