Coverage built around your home, not a template
Every York County home is different. We'll help you understand exactly what you're covered for — and make sure there are no surprises when you need us most.
What does home insurance actually cover?
Home insurance is more than just protection against fire or theft. A solid policy covers the structure of your home, your belongings, your liability to others, and even temporary living expenses if something forces you out of your home.
We walk every York County homeowner through their options in plain English — no jargon, no pressure. Here's a breakdown of the core coverage types we offer.
Dwelling Coverage
Protects the structure of your home
Dwelling coverage pays to repair or rebuild your home if it's damaged by a covered event — fire, windstorm, hail, lightning, vandalism, and more. This includes the walls, roof, floors, built-in appliances, and attached structures like a garage.
- Covers fire, storm, and wind damage
- Includes attached garages and decks
- Replacement cost vs. actual cash value options
- Extended replacement cost available
Personal Property
Protects your belongings inside and outside the home
Your furniture, electronics, clothing, jewelry, and appliances are all covered under personal property protection. If your belongings are stolen, damaged by a covered event, or even lost while traveling, we help you replace them.
- Covers furniture, electronics, and clothing
- Protection extends away from home (e.g., theft from car)
- Scheduled personal property for high-value items
- Replacement cost coverage available
Liability Protection
Protects you if someone is injured on your property
If a guest slips on your icy walkway or your dog bites a neighbor, liability coverage pays for their medical bills and legal fees if you're sued. It also covers accidental damage you or your family members cause to others' property.
- Covers injuries to guests on your property
- Legal defense costs included
- Covers accidental damage to others' property
- Coverage limits from $100K to $500K+
Additional Living Expenses
Covers temporary housing if your home is uninhabitable
If a covered loss makes your home temporarily uninhabitable, additional living expenses (ALE) coverage pays for hotel stays, restaurant meals, and other costs above your normal living expenses while your home is being repaired.
- Hotel and rental housing costs
- Meals and increased transportation costs
- Typically 20–30% of dwelling coverage limit
- Applies for the duration of repairs
Optional add-ons and endorsements
Customize your policy with additional coverage for the things that matter most to you.
Flood Insurance
Standard policies don't cover flooding. If you're near a creek, river, or low-lying area in York County, a separate flood policy is worth considering.
Sewer & Water Backup
Covers damage from backed-up drains or sump pump failure — a common and costly issue in older York-area homes.
Jewelry & Valuables
Scheduled coverage for engagement rings, watches, art, collectibles, and other high-value items that exceed standard policy limits.
Home Business Coverage
If you run a business from home, standard policies may not cover your equipment or liability. We can add the right protection.
Identity Theft Protection
Covers the costs of restoring your identity if your personal information is stolen — legal fees, lost wages, and more.
Equipment Breakdown
Covers the cost to repair or replace major home systems and appliances — HVAC, water heater, refrigerator — when they break down mechanically.
Not sure what coverage you need?
That's exactly what we're here for. Our local York County agents will walk you through your options, answer every question, and build a policy that fits your home and your budget.