Jeffrey L Fisher Ins Agency
4502 Philadelphia Avenue, Chambersburg, PA 17201
View this agency's profile to learn more about their services.
Loading...
City directory
Chambersburg 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.
4502 Philadelphia Avenue, Chambersburg, PA 17201
View this agency's profile to learn more about their services.
417 Phoenix Dr, Ste C, Chambersburg, PA 17201
View this agency's profile to learn more about their services.
2380 Philadelphia Ave, Chambersburg, PA 17201
View this agency's profile to learn more about their services.
1200 E. McKinley St., Chambersburg, PA 17202
View this agency's profile to learn more about their services.
797 Fifth Avenue, Chambersburg, PA 17201
View this agency's profile to learn more about their services.
797 5th Ave, Chambersburg, PA 17201
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Chambersburg residents.
No, standard home insurance policies don't cover flood damage. Given Chambersburg's location near the Conococheague Creek and valley runoff patterns, you need separate flood insurance through the National Flood Insurance Program or private insurers. This matters even if you're not in an official flood zone, as 25% of flood claims come from moderate-to-low-risk areas.
Winter weather poses the biggest risk, with frozen pipes averaging $11,650 per claim and ice dams causing roof damage in older homes. Summer brings severe thunderstorms with wind and hail damage averaging $11,695 per claim. Your policy should cover these perils, but prevention measures like updated plumbing and proper roof maintenance can lower your premiums.
Yes, historic homes often require specialized coverage due to higher replacement costs for period-appropriate materials and restoration work. Look for policies with guaranteed replacement cost coverage that don't cap at your dwelling limit. Insurers may also require specific upgrades to electrical, plumbing, or roofing systems before providing coverage on older properties.
While standard policies offer $300,000 in liability coverage, many Pennsylvania homeowners increase this to $500,000 or $1 million for better protection against medical bills and lawsuits from visitor injuries. Winter ice hazards and other property risks make higher liability limits worth considering, especially since the cost increase is typically modest compared to the additional protection.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network