It used to be homeowners insurance was only needed for catastrophes such as fire, but now as our world changes, new dangers have emerged. Should we consider tornados, floods, earthquakes, even identity theft and terrorism when it comes to our home insurance? Will you be covered for all types of fires no matter the circumstances? It may seem the most important concern of home insurance is the cost, but in reality it may be what that policy DOESN’T cover.

Lending institutions usually require mortgage customers to purchase homeowners insurance. Don’t rely on the coverage levels mandated by your bank or mortgage company. Those levels are designed to protect the house itself, but not necessarily you or your possessions. That’s why it’s important to check with other insurance companies, to make sure you have adequate home insurance coverage.

Basile Insurance Agency offers policies for Home, Renters, Condominium, and Personal liability umbrellas to Dallastown and surrounding York County areas.