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Homeowners Insurance

For most of us, our home is the largest asset we have, so it makes good sense to make sure it is properly protected. 

In most cases, we will be able to insure your home for 100% of the replacement value, which means that in the event of a catastrophe, your home will be repaired, even if the damage exceeds your policy limit.

 

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A standard Homeowner policy protects you against:

  • Liability
  • Fire
  • Lightning
  • Windstorms/Hail
  • Smoke Damage
  • Falling Objects
  • Freezing
  • Weight of Ice and Snow
  • Vandalism
  • Theft of personal property
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Frequently Asked Questions

What can affect my homeowners insurance rates?
Several factors can influence the cost of your homeowners insurance, including your home’s age, size, location, construction materials, claims history, deductible, and even recent updates to the property. If you’re shopping for homeowners insurance in Glenside, PA, Moore Insurance Group can help you compare coverage options and identify available discounts.
Does homeowners insurance cover damage from falling tree branches?

Homeowners insurance may help cover damage caused by falling tree branches if the damage results from a covered event, such as high winds, lightning, or a severe storm. Coverage depends on the cause of the damage, your policy, and your deductible.

Can I make changes to my homeowners insurance policy?

Yes. You can update your homeowners insurance whenever your needs change. Whether you’ve completed renovations, purchased valuable belongings, or want to adjust your coverage limits, reviewing your policy regularly helps ensure your protection keeps pace with your home.

Does homeowners insurance cover personal items in my garage?

In many cases, personal belongings stored in your garage are covered under the personal property portion of your homeowners insurance if they’re damaged by a covered loss. Coverage limits and exclusions vary, so it’s important to understand what your policy includes.

Why should I compare homeowners insurance policies?
Every homeowners insurance policy is different. Comparing coverage, deductibles, endorsements, and available discounts—not just price—can help you find protection that’s the right fit for your home and budget. Moore Insurance Group is happy to help homeowners throughout Glenside and Southeastern Pennsylvania review their options.
Does homeowners insurance cover damage from the weight of ice or snow?

Many homeowners insurance policies cover damage caused by the weight of ice, snow, or sleet if it’s the result of a covered peril. This may include damage to your roof, gutters, or other parts of your home, depending on your policy.

What should I do after making home upgrades?

Major home improvements—such as replacing your roof, finishing a basement, remodeling your kitchen, or adding living space—can affect your home’s replacement cost. Updating your homeowners insurance after renovations helps ensure your coverage remains adequate.

Does homeowners insurance cover my deck or patio?
Attached decks, porches, and patios are generally covered as part of your dwelling coverage if they’re damaged by a covered event. Homeowners throughout Pennsylvania should review their policy to understand their specific coverage limits and exclusions.
Can my homeowners insurance policy be customized?

Yes. Many insurance companies offer optional endorsements that allow you to tailor your homeowners insurance to your needs. Additional protection for jewelry, collectibles, water backup, identity theft, or increased liability limits may all be available depending on your insurer.

When is the best time to review my homeowners insurance?
It’s a good idea to review your homeowners insurance whenever you buy a home, complete renovations, make major purchases, or experience other life changes. If you live in Glenside or the surrounding Philadelphia area, Moore Insurance Group can review your current coverage and recommend updates if needed.
Should I add water backup coverage to my homeowners insurance?
Water damage caused by a backed-up sump pump or sewer line typically isn’t covered by a standard homeowners insurance policy. Because heavy rain can affect homes throughout Southeastern Pennsylvania, Moore Insurance Group can help you determine whether adding water backup coverage is the right choice for your home.