Barry Casper Insurance
1635 N 5th St, Suite 1, Perkasie, PA 18944
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Perkasie households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1635 N 5th St, Suite 1, Perkasie, PA 18944
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1000 E Walnut St, Suite 621A, Perkasie, PA 18944
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1635 N 5th St, Ste 1, Perkasie, PA 18944
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1000 E Walnut St, Suite 601, Perkasie, PA 18944
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Learn about insurance coverage options specific to Perkasie residents.
Everything Perkasie residents need to know about auto, home, and renters insurance in 2026. Learn PA requirements, costs, and how to find local agents.
Home InsuranceBucks County homeowners pay $967/year on average. Learn about flood risk near Perkiomen Creek, coverage for historic homes, and how to save on Perkasie home insurance.
Car InsurancePerkasie auto insurance guide: PA's 15/30/5 minimums, full vs. limited tort choice, Route 152 risks, and coverage recommendations for Bucks County drivers.
Pennsylvania requires 15/30/5 liability coverage, which means $15,000 per person for bodily injury, $30,000 per accident, and $5,000 for property damage. You also need $5,000 in first-party benefits coverage. However, these minimums often aren't enough to cover serious accidents, and most experts recommend higher limits to protect your assets.
While specific Perkasie data varies, Pennsylvania homeowners insurance typically costs between $1,200 and $2,200 annually. Bucks County rates fall somewhere between state averages and higher Philadelphia area costs. Your actual premium depends on your home's age, condition, claims history, credit score, and coverage limits.
Local agents offer significant advantages, especially independent agents who work with multiple carriers. They understand Upper Bucks County's specific needs, can shop your coverage across different companies, and provide personalized service when you need to file a claim. They can also identify coverage gaps you might miss when buying online and help you bundle policies for savings of 15-25%.
Yes, renters insurance is essential and costs only $15-30 per month. Your landlord's insurance covers the building but not your belongings or your liability. Renters insurance protects your possessions, covers liability if someone is injured in your rental, and pays additional living expenses if your rental becomes uninhabitable due to fire or other covered losses.
Umbrella insurance provides extra liability coverage beyond your auto and home policies, typically adding $1 million or more in protection. It costs around $200-400 annually and is worth considering if your net worth exceeds $300,000. Given Perkasie's median household income of nearly $100,000 and growing property values, umbrella coverage can protect your assets from major lawsuits.
Shop around annually and get quotes from at least three companies. Bundle your auto and home insurance for 15-25% savings, maintain good credit, stay claims-free, install security systems, and ask about all available discounts including paperless billing, pay-in-full, and defensive driving course discounts. These savings stack up significantly without reducing your coverage.
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