Hibsman Insurance Group
410 W Main St, Lansdale, PA 19446
View this agency's profile to learn more about their services.
Loading...
City directory
Lansdale 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.
410 W Main St, Lansdale, PA 19446
View this agency's profile to learn more about their services.
100 W Main St, #412, Lansdale, PA 19446
View this agency's profile to learn more about their services.
301 W Main St B, Lansdale, PA 19446
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lansdale residents.
Complete insurance guide for Lansdale residents. Understand PA's tort choice, home coverage for Montgomery County, flood risk, and get the protection you need.
Car InsuranceLansdale drivers can choose limited tort (15% cheaper) or full tort coverage. Learn Pennsylvania's 15/30/5 requirements and how Route 309 affects your rates.
For most drivers, full tort is worth the extra $200-300 annually. Limited tort restricts your ability to sue for pain and suffering unless you suffer serious injury like permanent disfigurement or death. Full tort preserves your right to sue for all damages after any accident, giving you more legal options if someone else causes a crash that injures you.
Montgomery County homeowners pay an average of $93 per month for home insurance, which is below Pennsylvania's state average of $159 monthly. Your actual cost depends on your home's age, value, construction type, and coverage limits. Older historic homes typically cost more to insure than newer construction due to replacement cost considerations.
Most of Lansdale sits outside high-risk flood zones, but properties near Wissahickon Creek and tributary streams have elevated risk. Even in moderate-risk areas, about 25% of flood claims occur outside high-risk zones. Check Montgomery County's Flood Risk Explorer to assess your property, and consider a preferred risk policy through NFIP for around $450 annually if you're near any waterways.
Pennsylvania requires $15,000 per person and $30,000 per accident for bodily injury liability, $5,000 for property damage liability, and $5,000 in medical benefits. However, these minimums are inadequate for most accidents—insurance professionals typically recommend at least $100,000/$300,000 in bodily injury coverage and $50,000-100,000 in property damage coverage.
Absolutely. For $15-25 monthly, renters insurance covers your belongings, liability if someone is injured in your rental, and additional living expenses if your apartment becomes uninhabitable. Your landlord's insurance only covers the building structure, not your possessions or your liability exposure—renters insurance fills that critical gap.
No, standard homeowners policies exclude sewer and drain backup. This is important in Lansdale because many neighborhoods have older infrastructure that can overflow during heavy rains. You need to add a specific sewer backup endorsement, which typically costs $50-100 annually and covers damage when sewage or water backs up through drains into your home.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network