Your coverage needs as a homeowner don't stop at the structural level, so why should your insurance? Fortunately, your Esurance policy also protects your family's liability, your belongings, and more. So in case your house needs a little help, it's good to know you've got access to an extensive variety of coverages that come standard with your home policy in Pennsylvania.
Living in the Keystone State does come with the cost of cold winters, sticky summers, and of course, seasonal storms — including an average of 16 tornadoes a year. Fortunately, if a covered risk like wind, hailstones, or wildfire damages your house, your homeowners insurance can help you pay to repair or rebuild your place.
Other structures coverage
With other structures coverage, you can get protection for structures separate from your main house. So if your gazebo, carport, or other unattached structure is wrecked by a covered incident (like a tornado or fire), they're protected, too.
Other standard coverages in Pennsylvania include: