KAI Yurconic Insurance Agency, LLC Dba Sheeley Insurance
146 Chestnut Street, Dunmore, PA 18512
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146 Chestnut Street, Dunmore, PA 18512
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1424 Jefferson Ave, Dunmore, PA 18509
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1439 Monroe Ave, Ste 6, Dunmore, PA 18509
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111 S Blakely Street, Dunmore, PA 18512
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Learn about insurance coverage options specific to Dunmore residents.
Complete guide to home insurance in Dunmore, Pennsylvania. Learn about winter weather coverage, coal region risks, and how to protect older homes affordably.
Car InsuranceDunmore auto insurance guide: PA's 15/30/5 minimums, full vs. limited tort choice, I-81/I-84 risks, and average costs. Get proper coverage today.
If your home was built before 1966 or is located in an area with historical coal mining activity, mine subsidence insurance is worth considering. While Dunmore's active mining era ended decades ago, ground settling can still occur. This coverage is available through Pennsylvania's Mine Subsidence Insurance Fund and is separate from your standard homeowners policy. An insurance agent familiar with Lackawanna County properties can help assess your specific risk.
Yes, damage from ice dams is typically covered under standard homeowners policies as a covered peril. However, insurers expect reasonable home maintenance—if poor attic insulation or an aging roof contributed to the problem, they may reduce the payout. Prevention through proper insulation and roof maintenance is both cheaper and less disruptive than filing a claim.
Most Dunmore homeowners pay between $1,400 and $2,200 annually for home insurance, though your specific premium depends on your home's age, condition, square footage, and coverage limits. Older homes with outdated systems typically cost more to insure, while well-maintained properties with modern updates and protective devices qualify for lower rates and various discounts.
Yes, sewer backup coverage is highly recommended for Dunmore properties. The borough's aging municipal infrastructure and mature tree canopy create conditions where sewer backups can occur, especially during heavy rainfall or spring snowmelt. This coverage typically costs $50-$150 per year and can save you thousands in cleanup and repair costs if roots infiltrate lines or systems become overwhelmed.
Common discounts include bundling home and auto insurance (15-25% off), installing monitored security systems (5-15% off), adding smart home devices like water leak detectors, updating your roof or electrical system, and staying claim-free for multiple years. Ask your agent about all available discounts, as many homeowners miss savings by not reporting home improvements or protective devices.
While Dunmore isn't coastal, localized flooding from heavy rainfall and snowmelt can occur, particularly near Roaring Brook and in low-lying areas. Standard homeowners policies exclude all flood damage, so separate flood insurance through FEMA's National Flood Insurance Program is necessary if you're at risk. More than 25% of flood claims come from outside designated high-risk zones, so even moderate-risk properties should consider this coverage.
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