610-323-1666
customersupport@spechtinsurance.com
Request a Quote

Homeowners Insurance

We will help make ensure that you and your family are protected from the hazards that most homeowners face.

Your Home Is Important, Make Sure It’s Protected

Home insurance covers physical damage to the insured premises as well as protection for liability exposures you may be legally responsible for.

What a Homeowners Policy Covers

Home insurance covers physical damage to the insured premises as well as protection for liability exposures you may be legally responsible for.

For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:

  • Storm damage, fire, windstorm, lightning, and hail
  • Dog bite liability 
  • Manufactured home coverage
  • Trampoline or swimming pool liability insurance
  • Wind damage
  • Sinkholes
  • Flood damage
  • Sewer or septic backups
  • Replacement cost for personal property
  • Umbrella liability insurance

When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.

What a homeowners policy covers:


Dwelling

Provides coverage for damage to the physical dwelling as well as other structures that are attached to the home.


Personal Property

Covers damage to or loss of personal belongings that are kept within your premises; limited coverage applies for certain items such as jewelry, watches, furs, etc.


Other Structures

Coverage for damage to other structures on the property that are detached from the dwelling (ex: pool, shed, fence, etc.).


Additional Living Expenses

Covers necessary living expenses incurred when the dwelling cannot be occupied due to a covered loss.


Personal Liability

Protects you against claims arising from accidents to others on a property you own or rent.


Medical Expense

Coverage for medical expenses, limited to a specific amount per person and per accident, for injuries that occur on your premises to someone other than the insured.

Why we're different:

Not all insurance products are similar in price and function, that’s why it’s important to customize a portfolio to fit your specific needs.