Home Insurance Quote

A house means something important to you and your family. Still, many hazards could arise that damage the home or put you in an unstable financial position. A personalized homeowners insurance policy can help you keep your risk of losses low. 

Homes in greater Pittsburgh and Allegheny County often cost at least six figures, and any property of value is an investment that you must protect. Here at Ronallo Insurance Group, we’re experts in all shapes and sizes of homeowners policies. We can help you insure your home with optimized coverage. A policy from one of our trusted carriers will always cover your important possessions affordably. 

To learn more or to get your no-obligation quote, call us at (412) 384-7191 or apply online now. 

Common Homeowners Insurance Questions  

What is homeowners insurance?  

After you buy a home, homeowners insurance helps you pay the recovery costs of a variety of hazards that might occur in or impact the property. Your policy will contain tailored coverage that can minimize financial losses from damaging events like severe weather, fires, vandalism, theft, liability lawsuits and more.  

What does homeowners insurance cover?  

Your home insurance can offer various terms. Each will uniquely address losses that might occur on your property:  

Structure Insurance: Coverage will pay for damage to the house itself. Most policies also offer other structures insurance for buildings like detached garages, fences and carports.  

Liability Insurance: If you make a negligent mistake in your business that harms someone else, like a client, then your liability policies might pay the costs of their injuries or property damage. 

Loss of Use Insurance: Should a damaging event force you to move out of your home temporarily, this coverage can assist you with living expenses in the meantime.  

Possessions Coverage: Personal belongings will receive coverage from hazards like fires, theft, vandalism, or severe weather. 

All policies will include deductibles and maximum limits. However, most policies offer additional coverage and endorsements to better protect your unique items and liabilities.   

What factors determine how much homeowners insurance I need?  

To accurately decide how much home insurance you need, keep a few different values in mind.  

Structure coverage usually pays the replacement cost value of damage to the house. This is the approximate value needed to rebuild the home as it was when the damage struck.  

Other structure insurance will pay replacement costs value. However, its maximum limit will be a percentage of total structure coverage.  

To determine the amount of possessions coverage you need, take an appraisal of your most important belongings. Include items like clothing, furniture and electronics in your evaluation. Possessions policies usually pay actual cash value for lost items. This is the value of a used item rather than a new one.  

To insure important items for their full values, you can choose to schedule those belongings on your policy using special endorsements.  

Most policies include deductibles. If the cost of property damage falls below the cost of your deductible, then your policy won’t pay. Always choose a deductible that you can afford to pay out of pocket.  

Keep in mind, certain types of damage might not have coverage at all, notably floods. So, if you live in an area prone to unique weather risks, you might need specialty coverage. 

Is homeowners insurance required in Pennsylvania? 

While the law does not require homeowners insurance, many mortgage lenders do. You will likely have to buy coverage and make your first premium payment before you can close on a home loan.  

What does Pennsylvania homeowners insurance cost? 

Homeowners policies typically cost around $1,000 - $1,200 per year, or approximately $100 per month. However, this is just an estimate. 

The value of your property, your insurance history, how much coverage you buy, your location and other factors will influence your rates. You can also qualify for discounts through bundling or other savings incentives. Don’t hesitate to work with your agent to research the policy that offers you the best affordability.