Four policy forms.
Picked for you.
There are seven home-insurance form codes in the U.S. Most homeowners only need one of these four. We'll explain which fits your situation in plain English — no upsell.
Single-Family Home
The most common form. Open-perils dwelling, named-perils contents. Best for owner-occupied detached homes.
Premium Replacement
Open-perils on dwelling and contents. Highest tier of named-peril coverage — recommended for newer construction over $500K.
Condo / Co-op
Walls-in coverage for unit owners. Coordinates with your master HOA policy so you don't double-pay or under-insure.
Rental / Landlord
Dwelling fire with loss-of-rent. For landlords with 1–4 units. Tenant pays for their own contents on a separate renters policy.
The four storm zones
we underwrite differently.
The Susquehanna and Schuylkill basins flood differently than national rate tables assume. We re-quote those zip codes against four flood-aware carriers — no one else in PA does this.
Floodplain
Within FEMA-designated flood zone. NFIP base + private excess. We layer Lloyd's syndicates above the federal cap.
Hill Country
Wind, hail, falling-tree losses dominate. Replacement-cost roof endorsement strongly recommended above 18-year roof age.
Borough Core
Older row homes and twins. Worker-grade plumbing, knob-and-tube quirks. We write through 6 specialty carriers willing to underwrite older stock.
Suburban
Standard ranch, colonial, and split-level housing stock. Highest market competition — 14 carriers actively bidding.
Recommended limits.
Sample for a $475,000 home in Lancaster County, PA. We tune these line by line during the policy walk-through.
| Coverage | Recommended | What it covers |
|---|---|---|
| A — Dwelling | $475,000 | Replacement cost of the structure itself. |
| B — Other Structures | $47,500 | Detached garage, fence, shed. 10% of A. |
| C — Contents | $237,500 | Furniture, electronics, clothes. 50% of A. |
| D — Loss of Use | $95,000 | Hotel + meals while your home is uninhabitable. |
| E — Personal Liability | $500,000 | If someone is injured at your home. |
| F — Medical Payments | $5,000 | No-fault medical for guests on your property. |
| Water Backup Endorsement | $25,000 | Sewer / sump backup damage. Almost always recommended. |