Alice Stelter Insurance Agency
832 N Market St, Selinsgrove, PA 17870
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832 N Market St, Selinsgrove, PA 17870
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2 South Market Street, Suite 100, Selinsgrove, PA 17870
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977 Route 522, Selinsgrove, PA 17870
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977 US-522, Selinsgrove, PA 17870
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880 US Route 522, Selinsgrove, PA 17870
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Learn about insurance coverage options specific to Selinsgrove residents.
Your complete guide to auto, home, and flood insurance in Selinsgrove, Pennsylvania. Learn about Susquehanna River flood risks and local coverage options.
Home InsuranceEssential guide to home insurance in Selinsgrove, PA. Learn about flood coverage along the Susquehanna River, costs, and tips to protect your investment.
Car InsuranceNavigate Pennsylvania's choice no-fault system in Selinsgrove. Compare limited vs full tort coverage, understand 15/30/5 minimums, and get rates for US-11/15 drivers.
While you may not be required to carry flood insurance outside designated high-risk areas, it's worth considering given the Susquehanna River's history—56 floods since 1891. FEMA updated flood maps after Tropical Storm Lee in 2011, and flood insurance rates are much lower in moderate and low-risk zones. One major flood event can cause tens of thousands in damage that your standard home policy won't cover.
Pennsylvania requires minimum coverage of $15,000 per person and $30,000 per accident for bodily injury liability, $5,000 for property damage, and $5,000 in personal injury protection (PIP). However, these minimums are often inadequate for serious accidents. Most Selinsgrove residents choose higher limits like 100/300/100 to protect their assets in case they cause a major accident.
Pennsylvania homeowners pay an average of $1,911 per year for home insurance, though your actual cost depends on factors like your home's age, construction, value, and location. Properties closer to the Susquehanna River or in older neighborhoods may cost more to insure. A local Selinsgrove agent can provide accurate quotes based on your specific property.
Absolutely. Your landlord's insurance doesn't cover your belongings if they're stolen or damaged, and it won't protect you if someone gets injured in your apartment and sues you. Renters insurance typically costs $15-30 per month and provides personal property coverage plus liability protection—it's one of the best financial decisions a student or young renter can make.
Both have advantages, but local agents offer personalized service and understand Snyder County's unique risks like flood zones near the Susquehanna River. Independent agents can shop multiple carriers for you, potentially finding better rates and coverage than you'd find on your own. Get quotes from at least three sources—a local agent, a captive agent, and an online comparison site—to ensure you're getting the best deal.
No. Standard homeowners insurance policies specifically exclude flood damage, regardless of the source. If the Susquehanna River overflows or heavy rain causes flooding, you need separate flood insurance through the National Flood Insurance Program (NFIP) or a private carrier. This is one of the most common—and expensive—coverage gaps homeowners discover too late.
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