Mehler Home Insurance Services near Mercer PA

A homeowner’s insurance policy covers your house, the garage and other structures, as well as your personal possessions such as furniture, appliances and clothing, against a wide variety of perils including fire, windstorm, bursting of pipes and theft. The extent of the perils covered depends on the type of policy, with an “all-risk” policy offering the broadest coverage. Reimbursement is usually on a replacement cost basis, though a depreciated value settlement is also available. The policy also covers Additional Living Expenses to reimburse you for extra costs if you would have to live elsewhere while your house is being repaired.