Homeowners Insurance

PROTECT YOUR HOME AND EVERYTHING IN IT.  

At Dorsey & Associates LLC,  we know how hard you’ve worked to turn your house into a home. Since your home is one of your most important financial investments, you’ll need proper coverage  to keep your investment protected.

Dorsey & Associates LLC is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

Our Home Insurance coverage options include:  

• Property Insurance
• Homeowners Liability
• Renters Insurance
• Condo Insurance
• Scheduled Property Insurance
• Landlords Insurance

WHY HOME INSURANCE?

Accidents can happen at any time. Having the right insurance can help protect your home and belongings..

While standard Home Insurance can cover fire and weather damage, as well as injuries of others and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at Dorsey & Associates LLC about specific coverage options to meet your individual needs.

Dorsey & Associates LLC provides Home Insurance for residents near Philadelphia, King of Prussia, Chester, Willow Grove, Levittown, and Pottstown.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

What does home insurance cover? 
As mentioned earlier, homeowners liability is just part of a comprehensive homeowners insurance plan. Other important areas of coverage include: 

• Structure protection: Insures your house, garage and often detached buildings on the property. Often provides coverage in case of damage from fires, weather, theft or other hazards.

• Possessions insurance: Pays for damaged belongings. Protection might cover everything from food in the pantry to computer systems.

• Liability coverage:Additional expense protection: Do you need to move out temporarily after an accident? Let this coverage reimburse you for expenses such as dining or hotel bills.

Your homeowners insurance policy may not cover flood or earthquake damage. Talk with your insurance agent about these types of coverage. 

Are all kinds of home insurance alike? 
Your home is unique, from its shape and size, to the materials used to build it. In addition, your possessions have wide-ranging values. Any loss is costly, so you’ll want to maximize your benefits.  

• Ensure you have enough structure protection to rebuild the home. Keep in mind, the construction value differs from the cost to buy a new home.

• Ask your insurance agent to adjust your possessions coverage to match the full value of your belongings as closely as possible. That way, you’ll have fewer limitations when making a claim. Keep in mind, some policies will limit how much they pay per item.

• Your policy likely includes a deductible on damage. It’s a good idea to take as high a deductible as you can manage—this may lower your premium cost.

Homeowners coverage is critical to your overall financial well-being. Having a policy means you don’t have to pay for covered home damage in-full, out of pocket.  

Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.