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Home Insurance

We compare prices with top insurers

We compare prices with top insurers

We’re an insurance agency located in the Lehigh Valley and also serve all of Pennsylvania and New Jersey. Here at ARK Independent Insurance Brokers we can help save you money on your home by comparing insurance quotes from the top insurers.

Get the coverage you need. We can help protect a large variety of homes including:

  • Mobile Homes
  • Condos
  • Historical Homes
  • Commercial Buildings

Why trust ARK?

 

Human support

Our team of licensed experts with 50+ years of experience is here to answer questions, handle paperwork, and help you make important decisions.

Local business

We know all the local laws and regulations so you don’t have to.  We are committed to finding the best product at the right price for homeowners, vehicle operators, entrepreneurs, and boat owners throughout Pennsylvania.

100% Independent

We work for you, not the insurance companies. Our team will be there every step of the way helping you get the best coverage possible at the right price.

What is Home Insurance?

Home insurance, also commonly called hazard insurance, fire insurance, or homeowner’s insurance. This is a type of property insurance that covers a private residence.

It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of use, or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at home or the hands of the homeowner within the policy territory.

Common Coverages Included in Home Insurance

Property Coverages

Coverage A – Dwelling  Covers the value of the dwelling itself (not including the land). HO-4 (renter’s insurance) typically has no Coverage A (dwelling coverage), although it has additional coverages for improvements.

Coverage B – Other Structures Covers other structures around the property that are not used for business, except as a private garage, typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.

Coverage C – Personal Property Covers your personal property. It reimburses you if your personal belongings are burglarized or damaged by a covered peril. That means everything from clothes to electronics to portable appliances are insured against covered damages or theft.

Coverage D – Loss of Use/Additional Living Expenses Loss of use coverage covers any additional living expenses, meaning any necessary cost that exceeds what you usually spend. For example, you usually spend $300 per month on groceries. However, while your home is being repaired, you spend $400 a month since you have to dine out instead of cook at home. Your policy will cover the $100 difference. Examples of additional living expenses may include but are not limited to; hotel or rental home charges, food and utility costs, and extra car mileage.

Additional Coverages Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for specifically named perils (excluding the most common causes of damage, wind, and ice), fire department changes, removal of property, credit card/identity theft charges, collapse, landlord’s furnishing, and some building additions. These vary depending upon the form.

Exclusions In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage from a flood, power failure, neglect, war, nuclear hazard, septic tank backup expenses, and intentional loss. For example, a 2013 survey of Americans found that 41% believed mold was covered. However, it is typically not covered if the water damage occurs over a while, such as through a leaky pipe.

Floods Flood damage is excluded under standard homeowners’ and renters’ insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers.

Liability Coverages

Coverage E – Personal Liability Covers damages which the insured is legally liable for and provides legal defense. About a third of the losses for this coverage are from dog bites.

You own it, we'll insure it.

Our experts will help you get the best coverage at the right price.

Auto Insurance

We’re driven to keeping you covered on the road. No matter where you’re heading, we’ll provide peace of mind for the journey ahead. We’ll look for discounts along the way so you can maximize coverage and value all at once.

Home Insurance

Whether you need a home, condo, renters, or even short-term vacation home insurance, we can find the right way to keep your property and possessions safe – both inside & out. 

Business Insurance

We will help you find the best coverage for your business to protect you from liabilities. Our experts can shop for your E&O Policies, general liability, Business Owner Policies (BOP), auto, property coverage, and workers compensation.

Everything Else

Need additional coverage? We also carry coverage for pets, mobile homes, recreational toys, campers, collector cars, commercial, and life.

You are our first priority!

We are an independent insurance agency dedicated to protecting your most ambitious goals and cherished possessions.  We offer a wide variety of insurance options from multiple carriers so we can keep your best interest top of mind. As a multi-line independent insurance brokerage, we shop for the best coverage and rates among multiple major carriers, so you don’t have to.

At ARK, our first priority is YOU!

We are an independent insurance agency dedicated to protecting your most ambitious goals and cherished possessions.  We offer a wide variety of insurance options from multiple carriers so we can keep your best interest top of mind.

As a multi-line independent insurance brokerage, we shop for the best coverage and rates among multiple major carriers, so you don’t have to.

We are committed to finding the best product at the right price for homeowners, vehicle operators, entrepreneurs, and boat owners throughout Pennsylvania.

Join 100's of
happy shoppers

We pride ourselves on treating every client with the utmost care. Here's what our customers are saying.

Courtney Solt
Courtney Solt
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I recently switched insurance companies. And saved almost $100 a month by going through ARK!!!! If you need insurance with awesome customer service and save you a bunch of money give these guys a call. Thank you for saving me money
Steven Longenbach
Steven Longenbach
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Helped me more than others were willing to even try. Very professional, great service and does whats best for you personally. Really goes the extra mile to make sure your needs are taking care of and wont let you get taken advantage of by insurance companies
Brian Neff
Brian Neff
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5/5 best insurance company to go through. Easy, fast, responsive! Cheapest insurance and its local!
Nate T
Nate T
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I just moved back from Colorado so I needed new car insurance and add a few extras. They shopped around with identical coverage and saved me about $2100 a year on car insurance. Big win for me! Plus! I was able to get engagement ring coverage, liability insurance for my businesses, and event insurance to cover my wedding. Seems like they have everything under one roof, which made my life easier and saved me a lot of money than just going through one carrier.
Stacy Rudolph
Stacy Rudolph
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I have been working with Ryan at Ark for several years now. He has helped us with our complex insurance needs from car to homeowners to umbrella and I couldn't be happier with his service. He is very professional, and attentive. He is always there to help when needed. He has also helped us save a great deal of money always shopping for the best prices for me. Very happy with this company.
Y Arden
Y Arden
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I switched to this company two years ago. They saved me a considerable amount of money from what I was paying. They are kind, professional and responsive. I cant say enough good things about this company. I highly recommend.
Lisa Eidem
Lisa Eidem
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They shop around for you to get you the best price and make sure your coverage is what you need.. Very professional and someone is always getting back to you in a timely manner...recommend for all your insurance needs
Tom H.
Tom H.
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I have to tell you – Safeco claim services were awesome! The people were extremely nice and did their jobs well. And they paid us (minus our deductible) over $11000 for the Impala. And the checks came quickly!! 10 out of 10!
Jill K.
Jill K.
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Safeco and your Agency have been a pleasure to deal with!
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Talk With Us!

Let us help you prepare for the unpredictable with a FREE consultation!

Talk With Us!

Let us help you prepare for the unpredictable with a FREE consultation!

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Frequently asked questions.

We work for you, not the insurance providers. Ark is an independent insurance broker, which means we are not owned by any insurance company. This allows us to shop around amongst the top insurers to find you the right coverage at the best price.

Yes! All insurance brokers are required by law to be licensed in each state they do business.

Each insurer calculate risks differently, and they strive to offer the most competitive prices. Because we shop across the top insurers, Ark will allow you to compare quotes from multiple companies for the best price.



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