Do you know what your homeowner's insurance policy covers? Check your coverages against our homeowner's policy.
| Dwelling Contract Type |
"All Risk" |
"All Risk" |
"All Risk" |
| Dwelling - Extended Replacement Cost |
Not Included |
Not Included |
Included |
| Replacement Cost Cash Out Option |
N / A |
N / A |
Available |
| In-home Appraisal Service |
N / A |
N / A |
Available |
| Contents Contract Type |
Named Perils |
All Risk |
All Risk |
| Contents Replacement Cost |
Not Included |
Not Included |
Included |
| Replacement Cost Cash Out Option |
N / A |
N / A |
Available |
| Percentage of House Coverage |
10% |
10% |
20% |
| Extended Replacement Cost |
Not Included |
Not Included |
Included |
| Replacement Cost Cash Out Option |
N / A |
N / A |
Available |
| Percentage of Dwelling Coverage |
Varies |
Varies |
Unlimited |
| Rebuilding to Code |
10% |
10% |
Unlimited |
| Debris Removal |
Reasonable Expense |
Reasonable Expense |
Unlimited |
| Tree Removal |
$1,000 ($500 any one tree) |
$1,000 ($500 any one tree) |
$1,000 (no damage to covered property required) |
| Loss Assessment |
$1,000 |
$1,000 |
$50,000 |
| Fire Department Charges |
$500 |
$500 |
$1,000 |
| Business Property Coverage |
$2,500 on premises ($500 off premises) |
$2,500 on premises ($500 off premises) |
$25,000 on/off premises |
| Food Spoilage Coverage |
No Coverage |
No Coverage |
Included ($250 deductible) |
| Lock Replacement |
No Coverage |
No Coverage |
$500 |
| Water Backup of Sewers & Drains |
Not Included |
Not Included |
Included |
| Electronic Data Restoration |
$1,500 |
$1,500 |
$5,000 worldwide coverage |
| Money |
$200 (including coins and medals) |
$200 (including coins and medals) |
$1,000 |
| Securities |
$1,500 (including stamps) |
$1,500 (including stamps) |
$5,000 |
| Trailers |
$1,500 |
$1,500 |
$3,000 |
| Watercraft |
$1,500 |
$1,500 |
$2,000 |
| Jewelry |
$1,500 stolen |
$1,500 lost, misplaced, or stolen |
$5,000 lost, misplaced, or stolen |
| Furs |
Included in jewelry limit |
Included in jewelry limit |
$5,000 lost, misplaced, or stolen |
| Silverware |
$2,500 stolen |
$2,500 lost, misplaced, or stolen |
$10,000 lost, misplaced, or stolen |
| Collectible stamps, coins, medals |
Included in above limits |
Included in above limits |
$5,000 |
| Guns |
$2,500 stolen |
$2,500 lost, misplaced, or stolen |
$5,000 lost, misplaced, or stolen |
| Personal Injury (libel & slander) |
Not Included |
Not Included |
Included |
| Medical Payments |
Reasonable Expense |
Reasonable Expense |
$10,000 |
| Credit / Bank Card Coverage |
$500 |
$500 |
$10,000 (includes theft of credit card number on internet) |
| Identity Fraud |
No Coverage |
No Coverage |
$25,000 per occurrence ($500 deductible) |
| Incidental Business at Home |
Not Included |
Not Included |
Included |
| Incidental Farming |
Not Included |
Not Included |
Included |
| Kidnap Expense |
No Coverage |
No Coverage |
$100,000 |
10 Reasons to Get a Quote
from
Evans Insurance Services, Inc.
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You haven’t quoted your insurance in 3 years.
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You’re not sure what coverage you have.
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Your agent only represents one company and can’t offer you choices.
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You’re lacking the service you deserve.
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The last time you heard from your Insurance agent was when your bill was due.
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We are always smiling whether helping you on the phone or in person.
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One location can fulfill all of your insurance needs.
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We have a 24hr Emergency Client Claims Service.
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We do business in all of Pennsylvania, making it convenient for you.
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We make it easy and convenient for you to obtain insurance quotes, either by calling our office or getting them right here from our website.
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Get FREE Home Insurance Reports
Extra Beneftis*
- Guaranteed Replacement Cost on Dwelling and Personal Property
- Newly built home discount
- Home lockout coverage
- Deductible rewards (Diminishing deductible)
* - Extra Benefits vary by company and may require extra purchase and eligibility.
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Discounts we offer:
- Paperless discount
- Pay in Full discount
- Alarm system discount
- Multi Policy discount
- Life Insurance Policy discount
- Payment direct from bank account discount
Are you getting all these discounts?
We serve all of Pennsylvania including:
- Frazer, Malvern, Paoli, Berwyn, Wayne, Devon, West Chester
- Exton, Coatesville, Phoenixville, King of Prussia
- Philadelphia, Springfield
- Chester County, Bucks County, Montgomery County, Delaware County
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PA Home Insurance with Choices
Pennsylvania Home Insurance with a Personal Touch