Property & Home Insurance

Homeowners and Renters

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Your home is your castle.  Protect your investment from fire, theft, flooding, liability and more.

  • Call us to explore your needs & your options, and to get a quote for the best coverage at the lowest price.
  • Call us if you need policy help or if you ever need to file a claim.

We will walk you step-by-step, hand-in-hand through the process of protecting your property!

Home & Property Protection

Fire, Flood, Theft, and Specialty Coverage

Protect Your Home from Disaster.  Be Able to Recover if it Happens!

No one wants to experience a robbery, a home fire, a flood, or some other loss.  But if you do, it’s essential that you’re protected at replacement cost so you can get back on your feet.

We offer a full array of coverage for both homeowners and renters.  If you have an investment property, it’s important to ensure your building is covered.  If you’re a tenant, be sure your possessions are covered.  Whether it’s your primary residence or a second, vacation home, cover your property to minimize the impact of any disaster that may befall you.  We’re here to help with all of it!

Types of Insurance Coverage
for Your Dwelling

Here are some of the coverages you may need, and what they mean.

Fire Protection

Typically included in your homeowner’s, fire insurance covers the costs of damages to your building as well as your personal belongings and any expenses for meals/lodging if you are displaced from your home.

Flood Insurance

Flood insurance protects clothing, furniture, electronics, curtains, appliances, etc. from water damage from floods, burst pipes, clogged drains, etc.  Homeowner’s policies don’t typically include coverage for floods.

Storm Damage Coverage

Your homeowner’s policy may or may not provide storm coverage that protects you in case of wind and hail damage, lightning strikes, and structural failures.  Be sure to check if you need specific coverage for water damage.

Liability Protection

Property liability coverage protects you from lawsuits of visitors to your home, whether it’s your lawncare provider, babysitter, meter reader, guest, etc.  Their fault or not, protect yourself from getting sued if someone gets hurt.

Theft and Vandalism

Protect yourself against home robbery or malicious mischief.  Coverage can be included with your homeowner’s property, but you may need an additional personal property rider for specialty items like jewelry, guns, collections, etc.

Renters and Landlords

Whether you are renting the property to live in as a tenant, or if you’re the landlord protecting your investment, there are specific coverages and provisions that you will need to protect your personal belongings and the building itself.

Frequently Asked Questions

If you have tangible assets, you need the protection of a homeowners insurance policy.  These policies cover you in a home or an apartment, whether you are an owner or a renter.  A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster.  The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors.  The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis.  A named-perils policy covers only those losses specifically cited in the contract.  The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided.  The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.

Yes, if you are a renter.  If you live in a rented house or an apartment, renters insurance provides important coverage for both you and your possessions.

In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

A renters insurance policy from Bratton Insurance Inc. can provide you with coverage for your personal items and personal liability to protect you from the unexpected.

Mobile (Manufactured) Home Insurance

Yes.  Mobile home or manufactured home insurance not only covers your mobile home; it can also cover:

  • Detached structures on your property, such as a carport or garage
  • Your personal belongings
  • Living expenses if your home is seriously damaged by a covered loss
  • Injuries that might occur on your property (up to the limits you choose on your mobile home insurance policy).

Mobile homes, manufactured homes, and modular homes are all eligible for coverage under a mobile home insurance policy.

Flood Insurance

Maybe.  Did you know that your homeowners insurance does not cover flood damage?  Insurance against flood must be obtained separately.  A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

The Federal Emergency Management Agency’s (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage.  If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

Personal Umbrella Insurance

You don’t have to be a millionaire to be sued like one.  Million-dollar judgments against individuals for negligence are still relatively rare.  However, receiving a lawsuit with a million-dollar demand is more common.  If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.

Umbrella policies offer inexpensive “peace of mind” for most types of negligence claims.  Automobile accidents are probably the most common source of serious claims.  This policy supplements your basic automobile liability with extra million-dollar layers of protection.  It also covers other types of catastrophic claims such as a neighbor’s child drowning in your pool or the delivery man being seriously injured by falling over your child’s toys.

Testimonials

Here’s what our happy clients had to say about our services:

Another happy customer!

Kate Lewis

Always a pleasure to work with, and they take great care of you.

Harold Green

Best insurance company around!

Kelly Johnson

Bratton Insurance has always been there to meet my family’s needs.  I know I’m in great hands with my home & auto policies, as well as RV and business insurance.  They’ve always been there for me,...

Tom Elliott

Lots of great things to say about Brattons!

Grant Harvey

Get Your Free Quote Today!

Give us a call and learn how we can save you money!

  • 717-589-3278 (Millerstown, PA)

  • 717-436-8500 (Mifflintown, PA)

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