AAI Insurance Agency
3759 Business Route 220, Ste 105, Bedford, PA 15522
View this agency's profile to learn more about their services.
Loading...
City directory
Bedford households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
3759 Business Route 220, Ste 105, Bedford, PA 15522
View this agency's profile to learn more about their services.
702 West Pitt Street, Bedford, PA 15522
View this agency's profile to learn more about their services.
600 East Penn Street, Bedford, PA 15522
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Bedford residents.
Bedford home insurance averages $1,472/year. Learn about tornado risk, hail coverage, wind deductibles, and how to protect your Mid-Cities home.
Home InsuranceComplete Bedford, Indiana home insurance guide. Learn about limestone home coverage, weather risks, flood protection, and how to get affordable rates in Lawrence County.
General Insurance EducationComplete insurance guide for Bedford, Pennsylvania. Learn about historic home coverage, flood insurance needs, auto requirements, and winter storm protection.
Car InsuranceBedford PA auto insurance guide: PA's 15/30/5 minimums, full vs limited tort options, mountain weather considerations, and smart coverage for Turnpike drivers.
Car InsuranceBedford, IN auto insurance guide: Indiana's 25/50/25 minimums, at-fault rules, SR-37 coverage needs, and how to get the best rates in Lawrence County.
Car InsuranceBedford TX auto insurance guide: 30/60/25 minimums, at-fault rules, SH-121/SH-183 traffic impact. Get the coverage you need for Mid-Cities driving.
Bedford homeowners pay around $1,472 annually on average, significantly lower than the Texas state average of $4,101. However, your actual rate depends on your home's age, roof condition, coverage limits, deductibles, and claims history. Homes with older roofs or outdated systems typically face higher premiums.
Yes, standard home insurance policies cover wind and hail damage, which includes tornado damage. However, many Texas insurers use separate wind/hail deductibles (often 1-2% of your dwelling coverage) that are higher than your general deductible. Make sure you understand what your wind/hail deductible is before storm season.
Bedford isn't in a major flood zone, but standard home insurance doesn't cover any flood damage. If you live near a creek or in a low-lying area, consider flood insurance through the National Flood Insurance Program. There's typically a 30-day waiting period, so don't wait until severe weather is forecasted to purchase coverage.
Many Bedford homes were built in the 1980s, and insurers pay close attention to roof age, electrical systems, and plumbing. Some won't insure homes with roofs older than 15-20 years or with outdated materials like polybutylene pipes or aluminum wiring. Updating these systems can improve your insurability and lower your rates.
Shop multiple insurers, bundle your home and auto policies for 15-25% discounts, raise your general deductible if you have emergency savings, install a monitored security system, and ask about claims-free discounts. Replacing your roof with impact-resistant shingles or upgrading outdated systems can also earn discounts.
If your dwelling coverage is too low and your home is destroyed, you'll only receive up to your policy limit—even if rebuilding costs more. With construction costs rising dramatically, homes insured years ago at older values may be significantly underinsured. Review your dwelling coverage annually and adjust it to reflect current replacement costs, not your home's purchase price.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network