Rector Insurance, LLC
1224 West Main Street, Lewistown, MT 59457
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1224 West Main Street, Lewistown, MT 59457
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lewistown residents.
Lewistown PA drivers need 15/30/5 coverage plus PIP. Learn about full vs. limited tort options, winter driving liability, and how to get the right coverage.
Yes, flood insurance is worth considering even outside high-risk zones. Over 20% of flood claims come from moderate-to-low risk areas, and Lewistown's location along the Juniata River means flooding can affect properties throughout the borough. Since standard homeowners policies don't cover any flood damage, having this coverage protects you from potentially catastrophic out-of-pocket costs if the river overflows or flash flooding occurs.
Pennsylvania homeowners pay between $1,278 and $2,195 annually on average, well below the national average. In Mifflin County specifically, you might pay even less due to the median home value of $169,000, which is significantly below the state median. Your actual cost depends on your home's value, age, condition, coverage limits, and deductible choice.
Winter weather is the biggest concern, with heavy snow, ice, and freezing temperatures causing roof damage, ice dams, and burst pipes. Severe thunderstorms bring wind and hail damage throughout the year. Flooding from the Juniata River and flash flooding from heavy rainfall are significant risks that require separate flood insurance since standard policies exclude flood damage.
Buy flood insurance as soon as possible, ideally when you purchase your home or before severe weather season. There's typically a 30-day waiting period before coverage takes effect, so you can't wait until a storm is forecast. If you have a mortgage on a property in a high-risk flood zone, your lender will require flood insurance before closing.
It depends on the source of the water. If a pipe bursts or your water heater leaks, that's typically covered. But if the Juniata River overflows or groundwater seeps in during heavy rain, that's considered flood damage and isn't covered by standard homeowners policies. You need separate flood insurance to protect against river flooding or groundwater intrusion.
Shop around and compare quotes from multiple insurers, as rates vary significantly. Increase your deductible if you can afford a higher out-of-pocket payment. Bundle your home and auto insurance with the same company for a multi-policy discount. Install safety features like monitored security systems, smoke detectors, and storm shutters, which many insurers reward with discounts.
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