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
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.
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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.