Category: Insurance Guides

The moment a paying guest sleeps in your house, your homeowners policy is covering a situation it was never written for — and may decline to cover at all.

Pennsylvania does not let an insurer surcharge you for every claim. There is a dollar threshold, it moves most years, and it went up again this summer.

The queue is long, the agent is asking, and nobody reads a rental agreement standing up. Here is what you already have before you decide what to buy.

Lending the car to a friend is usually fine. Lending it to the adult son who lives with you and is not on the policy is a different question entirely.

The letter says your policy will not be renewed. Pennsylvania gives you a right to have that decision reviewed — and a window of ten days to use it.

Liability limits look generous until a claim exceeds them. An umbrella policy is the cheapest coverage most households never consider buying.

Your homeowners policy probably covers your home business — to about $2,500. For anyone with a laptop, a camera and a client visiting, that is not coverage.

A personal auto policy covers personal use. The moment the car starts earning money, the coverage you are paying for may quietly stop applying.

No homeowners or renters policy in Pennsylvania covers flood. And the 30-day waiting period means the moment you decide you need it is usually too late.

Search for SR-22 in Pennsylvania and you will find companies selling one. PennDOT does not use them — and the real obligation sits with you, not your insurer.