PFS Insurance Group
4848 Thompson Pkwy, Ste 200, Johnstown, CO 80534
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4848 Thompson Pkwy, Ste 200, Johnstown, CO 80534
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Johnstown residents.
Complete insurance guide for Johnstown, PA residents. Learn about affordable auto, home, and flood insurance options in Cambria County with local rates and tips.
Even if you're not in a FEMA-designated high-risk flood zone, flood insurance is worth considering in Johnstown given the city's history and location in the Conemaugh River valley. More than 20% of flood claims come from outside high-risk zones, and severe rainfall can cause flooding anywhere. Private flood insurance for lower-risk properties is often affordable and provides valuable protection.
Johnstown's low home values mean lower insurance premiums than most Pennsylvania cities. While costs vary by property condition, coverage amount, and insurer, many Johnstown homeowners pay significantly less than the state average because they're insuring homes valued at $68,000-$98,000 rather than Pennsylvania's higher median values. Get quotes from multiple insurers to find the best rate for your specific property.
Older homes with outdated electrical, plumbing, or roofing systems typically have higher insurance premiums due to increased risk. However, if you update these major systems, many insurers offer discounts that can significantly reduce your rates. When buying an older home, factor renovation costs into your budget—not just for safety and comfort, but also for better insurance rates.
The National Flood Insurance Program (NFIP) is the federal flood insurance program averaging $1,724 annually in Pennsylvania with coverage up to $250,000 for the building and $100,000 for contents. Private flood insurance, averaging around $936 annually, often offers more flexible coverage options, higher limits, and potentially better rates depending on your property's risk factors. Compare both options before purchasing.
Start the flood insurance process as soon as you have a ratified purchase agreement—ideally before closing. There's a mandatory 30-day waiting period before coverage takes effect, so you cannot wait until storms are forecast. If your lender requires flood insurance, you'll need it in place at closing, which means starting the application process immediately.
No. Standard home insurance policies specifically exclude flood damage, which includes water from rivers, streams, and surface water overflow. You need separate flood insurance to cover damage from the Conemaugh River or other flooding events. Your home insurance will cover sudden water damage from burst pipes or appliance leaks, but not flooding from external water sources.
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