Dreher Insurance Agency
551 Main St, Stroudsburg, PA 18360
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Stroudsburg households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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551 Main St, Stroudsburg, PA 18360
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1286 N Ninth Street, Stroudsburg, PA 18360
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900 Scott St, Stroudsburg, PA 18360
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16 S 7th St, Stroudsburg, PA 18360
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11 N 8th St, #2, Stroudsburg, PA 18360
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11 North 8th Street, 2nd, Floor, Stroudsburg, PA 18360
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205 Lifeline Road, Suite 101, Stroudsburg, PA 18360
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Learn about insurance coverage options specific to Stroudsburg residents.
Complete insurance guide for Stroudsburg, PA covering auto requirements, homeowners costs, flood risks, and local agents. Essential 2025 coverage info.
Home InsuranceStroudsburg homeowners face unique risks from Pocono winters and floods. Get the right coverage for your mountain property with this complete 2025 guide.
Car InsuranceStroudsburg's I-80 corridor & Pocono tourism demand smart coverage. Learn PA's choice no-fault system, tort options, PIP requirements & why 15/30/5 isn't enough.
Pennsylvania requires 15/30/5 liability coverage ($15,000 bodily injury per person, $30,000 per accident, $5,000 property damage), plus $5,000 in medical benefits coverage. However, these minimums often won't cover the full costs of a serious accident, so many drivers choose higher limits for better protection.
No, standard homeowners insurance does not cover flood damage from external water sources like creek overflow or heavy rainfall. You need separate flood insurance through the National Flood Insurance Program or a private insurer. This is crucial in Stroudsburg given that flooding is Pennsylvania's most common natural disaster.
Pennsylvania homeowners insurance averages between $1,440 and $2,195 annually in 2025, though your specific cost depends on your home's value, age, construction type, and coverage limits. Rates have increased 44% between 2021 and 2024 due to more frequent severe weather events affecting the state.
You should strongly consider it. About 20% of National Flood Insurance Program claims come from properties outside Special Flood Hazard Areas. Over 515,000 Pennsylvania properties outside FEMA flood zones still face moderate to high flood risk. Check your specific property using Pennsylvania's Flood Risk Assessment Tool.
Standard homeowners policies typically cover winter weather damage including frozen pipes, ice dams, and roof collapse from snow loads. With Stroudsburg averaging over 54 inches of snow annually, ensure your dwelling coverage is adequate and verify that your policy includes water damage from burst pipes, which is a common winter claim.
Yes, insurance experts recommend increasing liability limits to at least 100/300/100 if you regularly commute on Interstate 80 or other major highways. Higher traffic volume and accident rates on commuter routes mean you face greater exposure to serious multi-vehicle accidents, making higher limits a smart investment.
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