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Home > Products > Home Insurance | Scranton, PA

Homeowners Insurance


Homeowners Insurance Information

A homeowners insurance policy can help alleviate the stress of paying hefty out-of-pocket costs for unforeseen accidents or damage to your home by providing you with financial assistance if an accident occurs. 

Bartal Insurance can help you find insurance solutions that will help protect you and your home. Our experienced agents are determined to find you coverage that meets your needs. Give us a call today to learn more.  

Common Homeowners Insurance Questions  

How much does homeowners insurance cost?  

Multiple factors could influence the cost of your home insurance, including:  

 

  • The value of the home

  • The home’s location

  • Your credit score

  • Security features in the home

  • Your chosen policy and coverage limits


Our agents can walk you through the “why” behind your premium cost. Call us to learn more.  

How much homeowners insurance do I need?  

Most mortgage lenders require homebuyers to purchase homeowners insurance before they approve loan applications. Generally, they will require you to obtain at least enough dwelling coverage for your home’s replacement cost value. However, depending on your situation, you may need to carry additional levels of homeowners insurance for adequate protection. The agents at Bartal Insurance can help you determine what your insurance needs may be.  

What does homeowners insurance cover?  

Homeowners insurance policies can offer a diversity of coverage to offer targeted protection for unexpected, unavoidable issues. These include:  

 

  • Property protection:

  • Structure protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.

  • Detached structures coverage: Other buildings on your property—such as fences, carports, gazebos and detached garages—can often be covered under this coverage.

  • Possessions insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.

  • Additional living expense protection: Do you need to move out temporarily after covered household damage? Thiscoverage can help reimburse you for expenses like dining or hotel bills.

  • Liability coverage: If you accidentally harm someone else or damage their property, this coverage can help repay them. Coverage will often pay for incidents both on and off your property.

  

How do homeowners insurance claims work? 

If an unforeseen incident occurs in your home, such as a fire, break-in, storm, or other damage, you will file an insurance claim on behalf of your home. Most likely, upon filing a claim, a claims adjuster will come to your home to inspect the damage and ask for some type of evidence or proof of the damage. After the inspection, your insurance carrier will determine whether they will pay for the claim, and if so, provide you financial assistance in covering damage costs. You may be responsible for paying your deductible before coverage kicks in.  

How to Get Started 

Bartal will help you find coverage that fits your unique needs. Call us at 570-344-0211 or visit our website for a quote on a policy.  
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433 Green Ridge Street | Scranton, PA 18509
P: 570-344-0211 | F: 570-344-9583
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