Contact 
Email an Agent
Click to Call
Get DirectionsIf you’re buying a home, then it’s not unusual to wonder if you’re required to have home insurance. Knowing the answer to this question can help you through the home buying process.
The professionals at Saucon Insurance Agency, servicing Bethlehem, PA, are here to help you find an insurance policy that’s right for your needs. We work with many insurance carriers to make shopping around easier and to help you find an insurance for a good price. Here’s what you need to know.
What Is Home Insurance?
Home insurance covers your home and property if it is damaged in events such as fire, vandalism, and theft. Different policies cover different types of events. As you shop around for home insurance, talk to your insurance agent to find out what types of events are covered under each policy.
Is Home Insurance Required?
For most people, home insurance is only required if you are buying a house with a mortgage. Your mortgage lender may require you to carry insurance as long as you are paying off your mortgage.
Some people may be required to carry insurance by their homeowners association as well. If the home you’re buying is in an area with a homeowners association, ask the HOA if they require proof of home insurance.
Why Should You Consider Home Insurance Even If It Isn’t Required?
Home insurance can provide peace of mind while also making it easier to recover from a disaster. If your home is damaged in a covered event, your home insurance company will pay to repair or replace damaged parts of your house, minus the cost of the deductible. Most people don’t have enough money to replace their home if it is fully damaged in a disaster. This is when home insurance is most valuable.
To learn more about home insurance, contact us here at Saucon Insurance Agency. We serve the Bethlehem, PA area.