724-465-5514

674 Philadelphia St. Indiana, PA 15701
info@helwigagency.com

Homeowners’ Insurance

My home is my most valuable asset; how do I know it’s protected?

We understand that your home is not only one of the largest investments you’ll ever make, but also a unique source of joy, memories, and comfort for you and your family. When it comes to protecting your home, the decisions you make now could affect you and your family for many, many years to come. Let us help you understand the complex issues and options that go into creating the homeowners’ policy that will give you confidence and peace of mind.

What else might a policy cover besides the house itself?

Your homeowners’ policy may cover losses occurring to your home, its contents, outbuildings or a garage for personal use, and what is called “loss of use” (additional living expenses in the event of a covered loss). Also covered may be the loss of other personal possessions.

In addition, the policy may include liability insurance for accidents that happen at the home, or at the hands of the homeowner within the policy’s scope. Common exclusions of a homeowners’ policy include flood, earthquake, and normal wear and tear, to name a few. Ask us for more details, and we can help you decide if you need to add these special coverages.

As with automobile policies, homeowners’ policies may include a deductible, or amount you must pay out of pocket before the insurance will take over and cover the loss. Homeowners’ policies are not the same from company to company! At Helwig Insurance, we will sit down with you and make an assessment that is customized for you. It’s our goal to help you build a policy that is appropriate for your lifestyle and your most valuable assets.

What if I rent, or live in a condo or mobile home?

Renters – If you rent your home, you need a policy tailored to your needs as a renter rather than an owner. Renter policies are often similar to homeowners’ policies, with the exception, of course, that they do not cover the actual building, but its contents. Many renters may underestimate the value of their belongings, but the Helwig Agency can help you be sure not to make this mistake. Renter policies can also cover you for loss of use, liability, and other situations. If fire, theft, or another unfortunate event occurs, you’ll want to be sure you can replace your possessions. We’ll help you get that coverage in place.

Condominium – Condos and townhomes combine many of the perks of home ownership with less upkeep and maintenance for you to worry about. But in order to know if you, your home and your belongings are adequately protected, you need to understand what is already covered by your condo association’s “master” policy – and these policies can vary widely. We’ll help you determine the answers, including what coverage may already exist for structures and common areas. Condo insurance may come in the form of Building Property Protection (walls of your condo unit and its interior), Personal Property Coverage (electronics, appliances, clothes, books, etc.), and Personal Liability Coverage (for example, if someone is accidentally injured while visiting your condo). Keep in mind that as with a homeowners’ policy, flood insurance for condos is typically not included and must be purchased separately. By working with the Helwig Agency, you can make sure your condo policy meets your unique needs.

Mobile Home – Looking for affordable mobile home coverage? We can help! Mobile homes and manufactured homes may require specialized coverage. Whether your home is a single-wide, double-wide, triple-wide, or two-story modular, we’ll sit down with you, take the time to understand your needs, and find a policy that will provide protection and peace of mind.

What other specialty coverages might I need for my home and property?

Home Business – According to the Small Business Administration, more than half of the businesses in the United States are based out of the owner’s home. These busy entrepreneurs may assume their homeowners’ insurance covers their business needs, but the reality is that most policies do not. For example, homeowners’ insurance may provide a limited amount of coverage for business equipment, but most standard policies exclude coverage for businesses operating in the home. In addition, most policies don’t cover lost data, lost income, or liability. The Helwig Agency can help you determine if you need extra protection; and if so, how to best tailor that coverage to fit the needs of your home-based business.

Rental Properties – As a landlord, you know that purchasing and maintaining rental properties is a significant investment. That means your rental properties need protection that is tailored to the specific concerns of landlords. Your tenants know they can call you if they have questions or need help – and the Helwig Agency is here for you in the same way.

Farm – Pennsylvania has a long and proud history of farming – a cultural legacy that continues today. Do you run a small or large farm? Do you own or rent your premises and land, or raise crops or livestock? If so, you know it’s important to look for solid protection for your animals, machinery, property, and structures. We’ll guide you through the process of expanding and customizing your coverage to fit the needs of your farm or ranch.

Flood – According to the Federal Emergency Management Association (FEMA), flooding is the number one natural disaster in America. Just a few inches of flood water can cause serious (and expensive!) damage to your home and possessions. Flood policy options include protection against property damage incurred by flooding caused by excessive rainfall, storm surges, and even blocked storm drainage systems. Most homeowners’ policies do not include flood insurance, so if you live in an area that’s designated as a flood zone, let us help you add flood protection now.

Umbrella – Umbrella insurance is extra liability insurance. Designed to help protect your assets and future, it covers you in the event of major claims and lawsuits. Umbrella coverage provides additional liability coverage above the limits of your homeowners’, auto, and boat insurance policies. The extra protection takes over when the liability on these other policies has been exhausted. Umbrella insurance may take the form of bodily injury liability and/or property damage liability. Examples are things like a serious car accident in which you’re at fault and someone is badly hurt; your dog biting someone or destroying another person’s property; your child causing accidental damage at his or her school; or a visitor to your home falling and being hurt (just to name a few). Umbrella coverage can also provide coverage for claims that may be excluded by other liability policies, including false arrest, libel, slander, shock/mental anguish, and liability coverage on rental units you own.

Regardless of the type(s) of personal insurance you need, we’re here to help you get the right protection at the right price. Schedule your visit with Helwig Insurance today so we can help you select and customize the personal insurance that meets your needs.

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- Tracey L. Missien, Indiana, PA

“Getting the right kind of insurance and finding the right agency can be time-consuming. For me, choosing the Helwig Agency has been the right decision. Helwig can serve all my insurance needs and does the necessary research to find the right insurance products for me. More importantly, the level of customer service is excellent. I feel confident that my auto and homeowners’ policies are up-to-date and that the staff at Helwig will contact me if policy changes are needed. I know that when I call, I will receive prompt and professional service every time. I recommend that anyone seeking to compare insurance products and agencies give the Helwig Agency a call.”

- S. Graham, Indiana, PA

“My family was moving to Indiana from out of state. We needed home, auto, and health insurance. My aunt, who lives in Indiana, told me I should call the Helwig Agency. She said she had called all the other insurance agencies in town, and Helwig had given her the best insurance for her needs at the best price.Being skeptical, I called most of the agencies in Indiana, only to find that my aunt was right. With one call to the Helwig Agency, they were able to find the best home, auto, and health insurance for my family, and the best quotes.The Helwig Agency helped to make our move much less stressful. The staff were so friendly and professional. They addressed all of our concerns and answered all of our questions thoroughly. They represent so many reputable insurance companies that it’s easy to find one that will meet your needs. The really nice thing about Helwig is that they are there for you even after you purchase your policy. If you have any problems with an insurance company, they will address it for you. It’s like having a whole team behind you! You are never alone.I can’t say enough good things about the Helwig Agency, and I would recommend them to anyone without reservation!”

- S. Graham, Indiana, PA

“My family was moving to Indiana from out of state. We needed home, auto, and health insurance. My aunt, who lives in Indiana, told me I should call the Helwig Agency. She said she had called all the other insurance agencies in town, and Helwig had given her the best insurance for her needs at the best price.Being skeptical, I called most of the agencies in Indiana, only to find that my aunt was right. With one call to the Helwig Agency, they were able to find the best home, auto, and health insurance for my family, and the best quotes.The Helwig Agency helped to make our move much less stressful. The staff were so friendly and professional. They addressed all of our concerns and answered all of our questions thoroughly. They represent so many reputable insurance companies that it’s easy to find one that will meet your needs. The really nice thing about Helwig is that they are there for you even after you purchase your policy. If you have any problems with an insurance company, they will address it for you. It’s like having a whole team behind you! You are never alone.I can’t say enough good things about the Helwig Agency, and I would recommend them to anyone without reservation!”