Homeowners Insurance

Homeowners Insurance in Pennsylvania​

What is a Home Insurance? Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: coverage for the structure of your home; coverage for your personal belongings; liability protection; coverage for additional living expenses 

 

We understand that everyone's situation is different. Unlike auto insurance homeowners insurance is does not have your traditional “cookie-cutter” model. Every home has its own unique policy tailored to the situation. We use the same guidelines to writing a 2 story home as we would a condo, or someone just wanting renters insurance.

Homeowners, Condo, and Renters Policy Types

THE DIFFERENCE

A homeowners policy is for people who own their own home. This may be either a house or a condominium: Essentially, if you are making payments on the home with ownership as the end goal you will need homeowners insurance. This type of policy will cover both the outside of the home and all the contents of your home. It will cover the majority of natural disasters (certain disasters like earthquakes may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property. If your home is broken into by a thief and items are stolen your insurance will help replace stolen items and pay for any damage in terms of vandalism that the thief did.

With a Renters policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowners policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential.


You may be very surprised to see the range of prices you'll get in home insurance quotes. You can sometimes save hundreds of dollars, or even more, simply by choosing one company over another. However, it is important that you get quotes only from reliable top carriers. Your local Independent Agent is the best resource for this since they can accumulate multiple quotes from the top carriers for you online. Your independent agency will give you the power to compare all the best policy options conveniently at home! 

 

The advantage of placing your homeowners insurance policy with Engarde Financial Group is that you will be able to have a competitive rate every year. We understand that insurance company's rates rise therefore we have contracts with over 40 different insurance companies. What this means for you is that we will do all the heavy lifting and shop your insurance coverage around if we see any dramatic rate increases with your policy.

 

Engarde Financial Group offers the most affordable homeowners insurance in Pittsburgh PA, some say we are the Cheapest Homeowners Insurance in Pittsburgh, PA. 

 

Why is it possible we can offer such low rates, its because we are Insurance Broker in Pittsburgh, PA.

 

You're probably wandering how we can offer such low homeowners rates in Pennsylvania. Again being an Insurance Broker in Pittsburgh, PA this gives you an advantage, allowing us to shop for your lowest rate and best coverage.

  • Why choose us?

    Well if you put our rates up against it's a great question, we stand against our competitors: State Farm or Nationwide, you will find our rates are a lot less more coverage and better service. 

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Need Renters Insurance?

The advantage of placing your renters insurance policy with EFG is that you will have a competitive rate every year. 

Locations we serve in the State of Pennsylvania

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ABOUT US

Engarde Financial Group (EFG) has extended its helping hand to educate Americans out of debt and towards financial independence.

We will help you uncover any imperfections in your current financial situation and provide you with a game plan leading toward your financial goals.

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