Next Steps Insurance
280 S Oak St, Manheim, PA 17545
View this agency's profile to learn more about their services.
Loading...
City directory
Manheim 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.
280 S Oak St, Manheim, PA 17545
View this agency's profile to learn more about their services.
2990 Mount Joy Road, Manheim, PA 17545
View this agency's profile to learn more about their services.
2990 Mt. Joy Rd, Manheim, PA 17545
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Manheim residents.
Manheim, PA homeowners pay ~$1,600/year for insurance. Learn about flood risks from Chiques Creek, historic property coverage, and how to save.
Car InsuranceManheim drivers pay just $64/month for auto insurance. Learn why full tort beats limited tort and how Pennsylvania's choice no-fault system works.
Given Manheim's history of flooding from Chiques Creek, flood insurance is strongly recommended even if you're not in a high-risk flood zone. Standard home insurance doesn't cover flood damage at all. Recent severe storms have caused water to rise 2.5 feet in under an hour, flooding homes and vehicles. Flood insurance in moderate-risk areas is often just a few hundred dollars annually—a small price for significant protection.
Manheim homeowners typically pay around $1,600 per year for home insurance, which is below the Pennsylvania state average and significantly less than the national average. Your specific rate depends on your home's age, construction, location, claims history, and coverage limits. Shopping around can help you find rates as low as $1,263 annually with carriers like Allstate or USAA.
Standard homeowners policies include some coverage for detached structures, but there are limits—often 10-20% of your dwelling coverage. If you have barns, workshops, or agricultural buildings common in Lancaster County, verify these limits with your insurer. If you're actively farming, you may need a separate farm insurance policy to properly protect agricultural structures and equipment.
Ordinance or law coverage pays for the extra costs of bringing an older building up to current building codes when making repairs after a covered loss. If you own a historic home in Pennsylvania Dutch Country, this coverage is essential. Without it, you could face huge out-of-pocket expenses to upgrade electrical, plumbing, or structural systems to meet modern code requirements during repairs.
Flooding is the primary concern, especially near Chiques Creek where severe thunderstorms can produce six inches of rain overnight. Beyond flooding, severe thunderstorms bring damaging winds, hail, and occasional tornadoes that can damage roofs and structures. Winter ice storms and heavy snow also pose risks, particularly ice damming that can cause water damage. Standard home insurance covers wind, hail, and ice dam damage, but you need separate flood insurance for flooding.
Replacement cost coverage is almost always the better choice. It pays to rebuild or replace at today's prices without subtracting depreciation. Actual cash value coverage costs less but leaves you significantly underinsured—a 15-year-old roof might only net you a fraction of the $15,000 it actually costs to replace. The extra premium for replacement cost coverage is worth the far superior protection when you file a claim.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network