Carey Insurance
1130 York Rd, Warminster, PA 18974
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1130 York Rd, Warminster, PA 18974
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1078 York Rd, Warminster, PA 18974
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250 Street Rd, Warminster, PA 18974
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250 W Street Rd, Warminster, PA 18974
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65 W Street Rd Ste A-101, Warminster, PA 18974
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1100 York Road, Warminster, PA 18974
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622 Mary St, # 300, Warminster, PA 18974
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Learn about insurance coverage options specific to Warminster residents.
Warminster home insurance averages $1,440/year. Learn about winter weather coverage, flood zones, and smart strategies to protect your Bucks County home.
Car InsuranceLearn about Warminster auto insurance requirements, Pennsylvania's choice no-fault system, full vs limited tort, and how your Bucks County location affects rates.
Pennsylvania homeowners pay an average of $1,440 annually for home insurance, or about $120 per month. Your actual cost in Warminster will vary based on your home's age, construction type, coverage limits, and deductible. Homes valued at $507,000 (Warminster's average) typically need higher coverage limits, which increases premiums, but Pennsylvania rates are still 37% below the national average.
It depends on your location and mortgage requirements. Flood damage isn't covered by standard homeowners policies. If your home is in a FEMA high-risk flood zone, your lender will likely require flood insurance. Even if you're not in a high-risk zone, consider the risk—Bucks County has areas prone to flooding, and policies through the National Flood Insurance Program or private insurers can protect you from catastrophic loss.
Winter weather is your primary concern, with snow, sleet, and freezing rain leading to ice dams, frozen pipes, and roof damage. Severe thunderstorms with hail and high winds occur from spring through fall, causing roof and siding damage. Standard policies cover wind and hail but may deny claims for preventable issues like frozen pipes if you didn't maintain adequate heat.
Your dwelling coverage should reflect the cost to rebuild your home from scratch, not its market value. With Warminster home values at $507,000 and construction costs rising, get a replacement cost estimate from your insurer or a contractor. Review this annually—if your home's value increased 5.5% like the local average, your coverage should increase too.
It can, especially if you file multiple claims within a few years. Insurers view frequent claims as increased risk, which can lead to higher premiums or non-renewal. This is why prevention matters—maintain your home to avoid preventable damage, and consider paying out-of-pocket for small repairs that cost less than your deductible plus the potential premium increase.
Most insurers offer discounts for bundling home and auto policies (15-25% savings), installing security systems, having smoke detectors and fire extinguishers, choosing higher deductibles, and making home improvements like roof or electrical system updates. Some carriers discount for claim-free histories, being a long-term customer, or having automatic payment set up. Ask your insurer about all available discounts.
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