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Home Insurance

Protecting Your Home, Family & Future

Your home is more than just four walls and a roof—it’s your sanctuary, your biggest investment, and the place where life’s most cherished moments happen. Protecting it with the right home insurance policy ensures that you and your family never face financial hardship due to unexpected disasters or damages.

At Good Apple Insurance, we help homeowners in York, PA, and beyond find affordable, high-quality home insurance coverage tailored to their specific needs.

Why Do You Need Home Insurance?

A single event—like a fire, flood, or burglary—can cause tens or even hundreds of thousands of dollars in damages. Home insurance provides financial protection by covering:

✅ Structural damage to your home from fire, storms, vandalism, and more
✅ Personal belongings like furniture, clothing, electronics, and jewelry
✅ Liability protection if someone is injured on your property
✅ Temporary living expenses if your home becomes uninhabitable
✅ Additional coverage for unique risks like floods, earthquakes, or high-value collectibles

Most mortgage lenders require home insurance, but even if you own your home outright, having the right policy ensures peace of mind and financial security.

Who Needs Home Insurance?

If you own a home, townhouse, or condo, you need home insurance—whether required by your mortgage lender or not. It’s essential for:

✔️ Homeowners with mortgages (lenders require it)
✔️ Homeowners without a mortgage (protect your investment)
✔️ Vacation home & rental property owners
✔️ First-time homebuyers looking for affordable protection

Even if your home is paid off, without insurance, you’d have to pay out-of-pocket for repairs or rebuilding costs after a disaster.

What Does Home Insurance Cover?

At Good Apple Insurance, we customize your coverage based on your home’s location, risk level, and personal needs. Here are the main coverage options:

Dwelling Coverage (Protects Your Home’s Structure)

Covers repairs or rebuilding costs if your home is damaged by fire, storms, vandalism, or other covered disasters.
Example: A lightning strike causes a fire, damaging your roof and kitchen. Dwelling coverage helps pay for repairs or reconstruction.

Personal Property Coverage (Protects Your Belongings)

Covers furniture, electronics, clothing, and valuables inside your home.
Example: A pipe bursts and floods your living room, ruining your TV, couch, and rugs. Personal property coverage helps replace your damaged items.

Liability Coverage (Protects You from Lawsuits)

Covers legal fees and medical expenses if someone is injured on your property.
Example: A guest slips on an icy walkway and breaks their ankle. Liability insurance covers their medical bills and potential legal costs.

Additional Living Expenses (Loss of Use Coverage)

Covers temporary housing, meals, and expenses if your home becomes unlivable due to a covered disaster.
Example: A tornado damages your home, forcing you to stay in a hotel for a month. Your policy helps cover hotel and food expenses.

Specialized Coverage Options

Some homes require additional coverage based on their location and risks:

🏡 Flood Insurance – Required for homes in high-risk flood zones
🏡 Earthquake Insurance – Recommended in earthquake-prone areas
🏡 High-Value Item Coverage – Extra protection for jewelry, antiques, collectibles, or fine art

How Much Does Home Insurance Cost?

Home insurance rates vary based on:
✔️ Your home’s value & size
✔️ Location & weather risks (flood zones, wildfire areas, etc.)
✔️ Coverage limits & deductibles
✔️ Security features (alarm systems, smoke detectors, etc.)

💰 Average Home Insurance Costs in Pennsylvania:

  • Basic coverage: $800–$1,500 per year
  • High-value home policies: $2,000+ per year

At Good Apple Insurance, we compare multiple carriers to find you the best policy at the most affordable rate.

Why Choose Good Apple Insurance for Your Home Coverage?

At Good Apple Insurance, we know every home is unique—which is why we provide personalized coverage options to fit your needs and budget.

🏡 Independent Agency Advantage – We shop multiple carriers (Nationwide, Progressive, Travelers, SafeCo, State Auto, Hippo, and more) to get you the best deal.
🏡 Customized Home Insurance Plans – Based on your location, home type, and risks.
🏡 Expert Guidance from Local Agents – Licensed agent Enza Baiarunas ensures you get affordable, reliable coverage.
🏡 Fast & Hassle-Free Quotes – Save money while protecting your home.

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