Kness & Associates Insurance & Investments
407 S Main St, DuBois, PA 15801
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Dubois households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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407 S Main St, DuBois, PA 15801
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28 Hoover Ave, DuBois, PA 15801
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908 Beaver Drive, DuBois, PA 15801
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908 Beaver Drive, DuBois, PA 15801
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Dubois residents.
Get the complete insurance guide for DuBois, Pennsylvania. Learn about auto and home coverage, local rates, flood risks, and I-80 safety—tailored for Clearfield County residents.
Home InsuranceDuBois home insurance averages $1,440-$1,900/year. Learn what winter weather coverage you need, how consolidation affects rates, and where to save money.
Car InsuranceDuBois drivers face unique risks on I-80. Understand PA's 15/30/5 minimums, choice tort system, and why minimum coverage may not protect you in winter crashes.
If your home is near any waterway or in a low-lying area, yes. Pennsylvania is one of the most flood-prone states, and standard homeowners insurance excludes flood damage. Clearfield County is experiencing heavier rainfall and more frequent flash floods, so even if you're not in a designated flood zone, it's worth considering a policy through the National Flood Insurance Program or a private insurer.
Pennsylvania requires 15/30/5 liability coverage: $15,000 per person for bodily injury, $30,000 per accident, and $5,000 for property damage. However, these minimums often aren't enough if you cause a serious accident, especially on highways like I-80. Most local agents recommend increasing liability to 100/300/100 for better protection.
Pennsylvania homeowners pay an average of $1,214 to $1,440 per year for typical coverage, which is 37% below the national average. However, rates in the state jumped 44% between 2021 and 2024, so if you haven't shopped around recently, you may be paying more than necessary. Your actual cost depends on your home's age, value, and location.
Absolutely. Pennsylvania requires insurers to offer it, though you can reject it in writing—but you shouldn't. If an uninsured driver hits you and you're left with medical bills or vehicle damage, this coverage protects you from paying out of pocket. It's especially important given the amount of traffic on I-80 and other major routes through the area.
The January 2026 consolidation created a larger city footprint with about 18,000 residents. Properties that were previously classified as rural under Sandy Township may now be considered urban under the consolidated DuBois, which can affect your insurance rates. It's a good time to review your policies with a local agent to make sure your coverage and pricing are still appropriate for your property's new classification.
Insurance companies use different formulas to calculate risk, which means quotes can vary significantly even for identical coverage. In Pennsylvania, insurers can't use gender as a factor, but they do consider your driving record, age, location, vehicle type, and credit score. That's why it's crucial to get quotes from multiple carriers—one might charge $100 per month while another quotes $70 for the exact same policy.
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