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Stalwart Insurance

2550 Boyce Plaza Road
Pittsburgh, PA 15241

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Steps to Getting Homeowners Insurance

Your home is undoubtedly the most expensive asset, and you can’t risk losing it to something as unpredictable as an earthquake or a fire. That’s why you need homeowners insurance. If you plan to get homeowners insurance from Stalwart Insurance in Pittsburgh, PA, here are the steps you need to take:

1. Determine how much coverage you need. The coverage you need depends on the value of your home and your personal belongings. To get an idea of how much coverage you need, take an inventory of your possessions and estimate their value.

2. Choose the right policy for you. There are different types of homeowners insurance policies available. Understand how each can protect your home and belongings so that you can choose the right policy for your needs.

3. Read the fine print. Once you have selected a policy, be sure to read through the terms and conditions carefully. This way, you will know exactly what is covered and what is not.

4. Make sure you are getting the best deal possible. Homeowners’ insurance rates can vary significantly from one insurer to the next. Be sure to shop around and compare rates before making a final decision. Also, check if there are discounts you can qualify for.

4. Get quotes from Stalwart Insurance. Once you’ve chosen the right policy, you can get quotes from Stalwart Insurance by speaking to one of our insurance agents. We will provide you with a competitive quote based on your needs.

Stalwart Insurance in Pittsburgh, PA will ensure you and your family are protected in the event of an emergency. Contact us today to learn more about our homeowners’ insurance policies and to get a quote.

How Does Home Insurance Work?

If you own your own home, it’s vital that you keep it protected with home insurance. This insurance typically comes with several types of coverage that protect you in different ways. If you need home insurance, don’t wait. Call us at Stalwart Insurance in Pittsburgh, PA.

House Protection

Part of the protection that you get from your home insurance is protection for the house. This coverage protects against a wide range of risks such as certain disasters. It is important to have this protection because of how expensive it can be to make major repairs to your home. It can cost tens of thousands of dollars, or even more, to get your home repaired after a major incident occurs. 

Item Protection

The items inside your home are worth a lot, and you need coverage for them. Your home insurance policy will also have protection for your belongings. This can save you from having to pay for everything to be replaced by yourself. It helps you to get back to where you were before the incident happened that ruined your items. Without this protection, you might have to start over again with no belongings. 

Liability Protection

Another part of a home insurance policy is for your liability. If someone were to come to your property and have an accident while there, you are likely to be liable for the medical bills. With home insurance, that can be paid by the policy instead of it coming from your pocket. Many people don’t think much about this coverage, but when you need it, it’s much better to have it in place.

Protect Your Home

If you don’t have home insurance in place, it’s time to get a policy. Give us a call today at Stalwart Insurance in Pittsburgh, PA to find out more. 

Things To Consider Before Making A Home Addition

Building a home addition is a great way to add space without having to move. Stalwart Insurance wants to make sure Pittsburgh, PA residents are prepared for the task. Here we go over some common things to consider before making a home addition.

Do I need a permit or inspection?

The city does require certain permits before building, though the type and cost of the permit can vary depending on the exact addition being made. It’s important to research what permissions and inspections are needed ahead of time. Otherwise, you could face hefty fines and run into problems with your insurance. 

Should I design the addition myself?

If you’re building a whole new addition to the home, you want it to look good with the existing architecture. Likewise, you’ll want to make sure that it will not disturb foundations end load-bearing elements. Unless you are greatly experienced with construction and design, it’s recommended to use a properly insured and licensed contractor. 

Will an addition affect my homeowner’s insurance?

Significant additions, renovations, or alterations to your home can change the amount of insurance you need to make sure you’re covered. This doesn’t just mean coverage for additional square footage, but new personal belongings such as appliances and valuables as well. In fact, some policies require you inform your insurer of these changes to the home. Some insurers can offer special coverage options during construction for items like materials.

Home additions are an exciting but hectic time for a homeowner. Let Stalwart Insurance help you tackle your Pittsburgh, PA area renovation. Call, stop by, or message us directly from our website today!

The Right Home Insurance Can Protect You and Your Family

The right type of home insurance is important when it comes to protecting you and your family. But how do you know what insurance to get and whether it will keep you safe? Working with a quality agent who can discuss your options is the place to start. If you’re in the Pittsburgh, PA area, Stalwart insurance can help you find the best policy for your specific needs. The type and age of the house you have, what kinds of furnishings are in it, and whether your home contains anything out of the ordinary can all matter when deciding on the right policy.

For example, most homeowners insurance covers the dwelling and the contents. Still, if you have high-quality jewelry, a grand piano, or an extensive collection of something valuable, you might find that your policy isn’t set up for those things. There are riders and other options, though, that can protect everything you own and what’s contained in your home. That’s why having the right agent on your side matters because they know what questions to ask and can focus on a policy that truly fits your family instead of just a typical one that seems common for everybody.

Having peace of mind is easier when you get your home insurance from Stalwart Insurance. If you’re in or around the Pittsburgh, PA area, you can reach out to us today and ask our agents about the home policy that will work for you. When you do that, you’ll be taking the first step toward a policy that can help you sleep better at night. Knowing you and your loved ones are protected means you can all get back to living and enjoying life in the house you love and call home.

Home Insurance Variables Pennsylvania Home Owners Should Be Aware Of

Stalwart Insurance serves the Pittsburgh, PA community by offering residents multiple types of insurance coverage. We take pride in guiding our clients through the process of finding the insurance policies they need to protect what matters most.

Home Insurance Variables

Owning a home is one of your biggest achievements. However, you must protect your investment by inquiring about home insurance. Home insurance covers your property if it is damaged or vandalized. Your personalized items inside the home are also covered if they are damaged, or you are the victim of theft. Liability coverage protects you if someone gets injured on your property. Here is a look at some home insurance variables to consider while researching home insurance policies.

If you have a pool or trampoline in the backyard, make sure to include those items in your liability coverage. If someone were to get injured while playing on a trampoline, you would be protected from potentially serious losses. If you have a pet, liability coverage will protect you if your pet injures someone or causes damage to their property.

If you plan to remodel or renovate your home, make sure that you amend your policy to cover your improvements so that you will be protected if your home is damaged due to a fire or accidental flood. You will also have to amend your policy to cover any luxury items if they are stolen. Consider getting your home and luxury items appraised after your renovation project is complete so that you will have a fair estimate of their true value. That also extends to the exterior of your home as well. If you decide to get a new roof, you will be covered if the weather in Pittsburgh, PA causes severe damage.

Stalwart Insurance Will Help You Protect Your Most Important Assets

Visit our website today to learn more information about home insurance.  

How do home renovations affect my home insurance policy?

House improvements are always exciting to make as they change the outlook of your home. When it comes to home insurance, these improvements can either boost your home’s value or trigger lower premiums. Therefore, you must think about home insurance before doing any renovations for your Pittsburgh, PA home. At Stalwart Insurance, we recommend informing your insurance provider about your renovation plans to ensure that your policy is up to date and also revise some perils that you may expect to be covered but are not there.

Renovations raise the value of your home.

A home insurance policy is designed to cover repairs and replacement costs of your home in case of damage from a fire or other accidents. Anything that will impact the repair or replacement costs of your home significantly affects your insurance premiums and the overall cost of insurance. Notify your insurance company before making significant upgrades and keep a record of receipts or videos of the same for future reference.

Some extensive renovations can completely change your entire home insurance policy.

If you intend to make vast home improvements like changing the roof or exterior wall, such changes may alter your home insurance policy to a property under construction. That means that the policy covers your possessions in that home. However, if the roof or the wall being constructed affects the condition or damages the contents of your home, your insurance provider may not reimburse you for these damages or losses.

You are liable for any injuries on your property. 

If you hired several workers to work on your renovations, you are solely responsible for any injuries that may result from the work they will be doing or any damages relating to those injuries. Therefore, enquire about workers’ insurance or have your liability coverage reviewed.

Are you looking to make a few renovations for your home? Stalwart Insurance can help you do this without overcomplicating your home insurance policy. Visit us in Pittsburgh, PA for more information.

Tips to Prevent Residential Break-Ins

Burglaries can be financially as well as emotionally draining. Unfortunately, they can happen anywhere and at any time, no matter what neighborhood in Pittsburgh, PA you may live. Burglaries are an ongoing threat, and it’s difficult for the police to track down the criminals after the break-in has occurred. The good news is there are some things you can do to help prevent break-ins from happening to you and your family. Here are a few tips that Stalwart Insurance recommends to help prevent your family from being the victim of a break-in.

Don’t Advertise an Unoccupied House

Burglaries are most like to happen when your home is unoccupied, especially for long periods. Although many people assume that burglaries occur at night, the truth is they are more likely to occur during the daytime when people are at work and school. It’s essential to create the illusion that someone is always at home. When you leave for work, leave the television or radio on and leave a light on or use a timer for lights. When going on vacation, be sure to have mail and newspaper deliveries held until you return and use a timer on various lights throughout the house that is set with different activation times.

Install Secure Windows, Doors, and Screens

A burglar can enter through either doors or windows, so it’s essential that you ensure all entry points are secure. Screens should be free from damage and fit securely in the window frame, and all windows should have operating locks. Some entry points, such as sliding glass doors, especially older styles, are sometimes easy to breech. To help reduce the risk of a burglar getting in through a sliding door, use a security bar, which is placed at the bottom of the door to prevent it from being slid open should the lock be breached. Make sure all windows and doors, including garage doors, are installed correctly and secure.

Burglar Proof Landscaping

Thieves search for homes that allow them to get in and get out without being noticed. Overgrown shrubs, trees, and bushes are the perfect hiding place for a burglar, so make sure to keep all plants trimmed and well-manicured, especially the ones that are in front of windows. Tree branches should be pruned because they can be used as a support for climbing onto the roof or into second-story windows. Make sure to use lighting on walkways, the driveway, and near entry doors.

Burglaries often survey potential victims before they break-in. They will look for habits, such as the time you leave for and return home from work. They also pay attention to what types of expensive items you are buying by looking through your trash, so instead of placing boxes from valuable items, such as television sets, outside with the trash, break down all boxes and put them inside the trash containers. If you notice any unusual people lurking around the neighborhood, be sure to contact the police right away.

To learn more information about or to purchase homeowners’ insurance, residents of Pittsburgh, PA should contact Stalwart Insurance.

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