Fire Insurance Quotes


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Pennsylvania Fire Insurance Quotes

Home fire insurance quotes are easy to access online and can save you hundreds of dollars each year in Pennsylvania. Homeowners in Allentown, Erie or Pittsburgh know that shopping around for insurance is a great way to see if you are overpaying on your current policy. We just make that process a little easier by allowing you to compare rates online all from the best insurance companies in Pennsylvania.

Pennsylvania fire insurance is a requirement if you have a mortgage on your home. The lender will require that the dwelling is covered up to a specific amount in the event of a partial or total loss. In order to meet the lenders requirements it is recommended to know if they have a maximum deductible allowed. Deductibles allow the customer to lower the premium with a higher deductible but your lender may not allow a really high deductible.

What Deductible Should I Choose?

Fire insurance quotes can vary widely between companies and a lot may have to do with which deductible the agent choose. Remember that homeowners insurance is not designed for the small claims like something under $1000 so it is common to have a deductible at least $1000 or more. The higher the deductible the lower the premium will be but try to get a deductible you can afford if something does happen.

Stay away from percentage deductibles unless you can afford a very high deductible. A percentage deductible in Pennsylvania may be something like 1% or 2% of the dwelling coverage. This means that a home with $400,000 in dwelling coverage with a 1% deductible would have the homeowner coming up with $4000 before any work is done to fix the home. With a high deductible like that many homeowners may not be able to afford a major loss.

How to Lower the Cost of Home Fire Insurance

Pennsylvania fire insurance can vary in price between companies but you as the homeowner have the ability to keep your costs low. Each insurance company has to set rates based on how they perceive a certain risk which is usually determined by the last 3 years of losses in Pennsylvania. While you have no control on how an insurance company can determine a risk in your city you can lower your policy premium by following a few simple steps.

Fire insurance policy premiums are largely determined by location, loss history, credit rating and home building materials. Each of these items can be controlled by the homeowner to varying degrees. Having more than one home insurance claim in the past three years or poor credit can increase your premiums exponentially. Using credit as a rating tool is becoming a very common tool for insurance companies to determine future losses. Just like a car loan if you have better credit your insurance policy will be cheaper. Here is a list of things to consider if you want to lower your home fire insurance bill:

  • Improve your credit rating
  • Don't make more than one claim in a three year period
  • Mitigate risk by removing shrubs and other trees that may spread fire to your house
  • Install a security/fire system for discounts up to 25%

Home Fire Insurance by City

  • Philadelphia
  • Pittsburgh
  • Allentown
  • Erie
  • Reading

More cities are included but these are the largest in Pennsylvania.



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