Pennsylvania Homeowner’s Insurance
The homeowner’s insurance program provides coverage for your home and related private structures on replacement cost basis; provides coverage for your personal property; provides coverage for additional living costs that you might incur as a result of a covered loss; and includes liability coverage to protect you for personal liability claims and defense costs that you may incur. We offer Basic, Broad, and Special coverage forms to meet your specific insurance needs. Discounts are available for smoke detectors, fire extinguishers, home security system, non-smokers, and more.
Some optional coverages that can be added to your policy includes Replacement cost coverage for your personal property; Water damage – sewers, drains & sumps; Home-Based business; Scheduled personal property; Earthquake; Identity fraud expense; Incidental farming; Watercraft coverage; and others.
We also offer our Home Systems Protection (equipment breakdown) with Service Line coverage that can be added to enhance your policy. For more details see Home System Protection and Service Line coverages.
Home Systems Protection
BEDFORD GRANGE MUTUAL’S Home Systems Protection, fills in coverage gaps found in traditional homeowners forms for mechanical and electrical breakdown of your home systems, appliances and electronics homeowners value and rely on for everything from heating and cooling, water and power equipment, to communications, security and entertainment. It addresses breakdown risks all homeowners like you have, providing you broader coverage including an incentive opportunity to upgrade your existing equipment or appliance with a more efficient one when damaged by a covered cause of loss and if it requires replacement. Even Loss of Use and Spoilage (sub-limited) is provided for you under Home Systems Protection.
COVERAGE INCLUDES:
- Systems: Electrical generation and distribution, heating and cooling, air and water filtration, central vacuum, home security systems, swimming pool and sauna equipment and more.
- Appliances: Refrigerators and freezers, cooktops, ovens, dishwashers, clothes washers and dryers and more.
- Electronics: Computers, medical devices, televisions, sound systems, tablets, phones, game consoles and more.
Service Line Protection
Available to our Homeowners, Farmowners, Mobile homeowners (with tie-downs) and Dwelling Fire policyholders.
Bedford Grange Mutual’s Service Line coverage pays to repair or replace your homeowner-owned, exterior underground water and sewer piping, electrical service lines and data lines that fail and are damaged.
The program fills a critical coverage gap for you; the homeowner, who often don’t realize they are responsible for the repair or replacement of the outdoor underground service lines from the main connection usually at the street to their house, and behind their house to a well, septic tank, or an out-building when damaged due to a service line failure.
You may also have to pay for your damaged outdoor property such as trees, shrubs and driveways when damaged as a result. Know that service line failures are not covered by the typical homeowner insurance coverage forms.
You would be covered for a service line failure defined as physical damage that results in a leak, break, tear, rupture or collapse of a pipe or line. Physical damage can be caused by external events such as root invasion, deterioration, freezing and electrical arcing.