What Homeowners Insurance Covers in Pennsylvania (And What It Doesn’t)
In Pennsylvania, a standard HO‑3 policy offers robust protection for your home and other structures under open perils, while personal belongings are only covered if the cause is explicitly named—a crucial difference that can leave homeowners underinsured. With average annual premiums ranging between $1,500 and $1,900—well below the national average of around $2,400—understanding the coverage gaps, such as flood damage, mine subsidence, and earth movement, is essential for safeguarding your investment.
