The 4th of July has come and gone. But, it may not have left you in a great position if your home or roof sustained damage due to fireworks. At the Richard Zeises Agency, serving the greater Jenkintown, PA area, we are often asked whether you can file a home insurance claim if fireworks damage your home.

In general, standard home insurance policies typically provide coverage for fire damage. However, coverage for fireworks-related incidents may vary. Some policies explicitly exclude damage caused by fireworks, while others may cover such damage under certain conditions. Reviewing your insurance policy to understand the terms and conditions regarding fireworks is crucial. If the policy includes coverage for fire damage and does not explicitly exclude fireworks, you may be able to file a claim for the damages caused by fireworks.

When filing a claim, it is essential to provide thorough documentation, including photographs and descriptions of the damage. It is also helpful to have evidence that the fireworks were the cause of the fire, such as eyewitness accounts or fire department reports. Remember that insurance companies may investigate the incident’s circumstances to determine the claim’s cause and validity. Additionally, some policies may have specific restrictions on fireworks-related claims, such as limiting coverage to certain dates or requiring compliance with local ordinances.

If you have any questions about your home insurance policy, including whether firework damage is covered, or you are looking to obtain a new one, the team at Richard Zeises Agency, serving the Jenkintown, PA area, can assist you. Call us now to learn more or to get started.

Homeowners insurance covers your personal belongings as well as your home’s exterior and interior. A typical homeowners policy even covers other structures or dwellings on your property.

At the Richard Zeises Agency, we’re dedicated to helping Jenkintown, PA homeowners understand all the benefits of homeowners insurance. 

What’s Covered

Homeowners insurance will pay for the repair, rebuilding, or replacement of your home, the structures on your property, and your personal belongings. This includes repairs to your shed if it’s damaged by a covered accident or peril.

However, homeowners should note that not all damage to your home, the structures on your property, or your personal belongings are covered under a homeowners’ policy. Although coverage and repair are provided for many different situations by a homeowners policy, not all are.

Our team at Richard Zeises Agency in Jenkintown, PA can go over what’s covered by your policy. 

Other Considerations

Homeowners insurance is designed to cover just about everything on your property. This includes your car, garage, roof, ceiling, electrical, plumbing, furniture, clothes, and much more. Theft, damage, and anything destroyed. However, if you accidentally drive your car through your garage door, or burn down your shed, your policy may not cover or repair, or replace the damage. For example, accidentally damaging your new couch while carrying it up a flight of stairs wouldn’t be covered by your homeowner’s policy.

Unintentional damage caused by accidents and/or negligence isn’t covered under a homeowners’ policy. However, there may be provisions in your policy that may make allowance for some accidents or situations. 

Give Us A Call

If you have questions regarding what’s covered under a standard homeowners policy, give us a call. We can explore your unique situations to determine the best coverage for you.

Investments are important, but protecting those investments is even more important. Your home is probably one of the biggest investments you will make during your life. Not only will you invest a great deal of money into your home, but there is also the emotional connection and emotional value of your home as well. At Richard Zeises Agency, serving Jenkintown, PA, we want to help you make the best choices concerning home insurance. 

Is Home Insurance Required?

In many cases, home insurance will be required by your mortgage company if you have a mortgage on your home. In some regions, home insurance is required regardless. Even if you are not under a legal obligation to have home insurance in place, home insurance is the best way to protect the investment you have made into your home. 

How Much Insurance Coverage Do I Need?

The answer to this question will vary from family to family. The value of each property will be different, and the assets which are housed at the property will be different for each individual’s situation. The best way to determine how much home insurance coverage you will need is to talk one on one with an insurance agent. They will be able to help you evaluate the value of the home and your personal assets housed at the home so that you get the right amount of insurance coverage. 

If you would like to learn more about our insurance services and products, please contact us at Richard Zeises Agency, serving Jenkintown, PA. We will be very happy to sit down with you to answer all of our insurance questions. 

Purchasing home insurance is essential for homeowners in Jenkintown, PA. If you own a home, you can look into purchasing a home insurance policy from Richard Zeises Agency. 

The following are three reasons why you need home insurance in Pennsylvania.

You need home insurance because your mortgage lender requires it.

Probably the biggest reason why home insurance is a necessity is that mortgage lenders generally require it. If you borrowed money to buy your home, your lender probably requires you to carry home insurance.

You can discuss home insurance requirements with your mortgage lender. Your mortgage lender will be notified if your home insurance policy lapses, so you need to make sure that you keep your home insured throughout the life of your mortgage. 

You need home insurance because you may face a liability lawsuit.

Liability lawsuits are probably more common than you think. If another individual becomes injured in or around your home, you could be held liable for the resulting medical expenses. These expenses can be significant.

Home insurance policies typically include liability coverage. This coverage can protect you financially as a homeowner.

You need home insurance because your home could experience damage. 

Your home is a very valuable asset. However, its value can decline rapidly if it becomes damaged due to a natural disaster or accident.

Home insurance policies offer coverage for certain types of home damage. This protects a home’s value over time and protects the homeowner’s investment in the home in question. 

Do you have questions about home insurance options in Jenkintown, PA? Get in touch with us for answers. We can help you meet your insurance needs in Pennsylvania at Richard Zeises Agency. 

One of the best long-term financial decisions that someone can make is when they choose to purchase a home. If you are looking to buy a home in the Jenkintown, PA area, many important decisions need to be made. One decision to make comes when you are choosing a home insurance policy. Home insurance can provide a variety of different coverages that will make it a good insurance option for your situation. 

Coverage for Assets

One type of coverage that you will get with your home insurance policy is coverage for your assets. This primarily will include providing coverage to repair or rebuild your home if it is damaged or destroyed. However, home insurance will also give you coverage for your personal belongings if they are stolen or damaged. If you have expensive jewelry or collectibles, you can also get additional coverage riders to ensure they are fully covered. 

Liability Protection

Those that purchase a home need to consider their liability risk. When you have home insurance, you will also get a liability insurance policy that will give coverage if you are sued for liability. This will provide you with peace of mind and coverage in the event a guest is injured while on your property, and you are deemed liable. 

Choosing a home insurance policy is a big decision. Since some complexity comes with getting insurance for your property, you should speak with someone that you can trust. For those that are near the Jenkintown, PA area, an excellent source for your home insurance needs is the Richard Zeises Agency. When you contact the Richard Zeises Agency for your insurance needs, you can be assured that you will receive the guidance necessary to pick the best policy possible.