Securitas Global Risk Solutions | Trade Credit & Political Risk Insurance
900 West Valley Road, Suite 701, Wayne, PA 19087
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900 West Valley Road, Suite 701, Wayne, PA 19087
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987 Old Eagle School Rd, Suite 707, Wayne, PA 19087
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150 E Swedesford Road, Suite 204, Wayne, PA 19087
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Learn about insurance coverage options specific to Wayne residents.
Wayne home insurance costs $1,400-$2,200/year. Get coverage for Main Line estates, historic properties, and high-value homes. Compare quotes and save.
Car InsuranceWayne auto insurance costs $1,300-$1,800/year. Learn about PA's full vs limited tort options, required coverage, and how to save on Main Line rates.
Car InsuranceWayne drivers pay $2,100-$2,400/year for car insurance—62% less than Philadelphia. Learn how bundling, umbrella policies, and location save Main Line residents money.
General Insurance EducationComplete insurance guide for Wayne, PA residents. Learn about PA's tort options, high-value home coverage, and why umbrella insurance is essential.
Wayne homeowners typically pay between $1,400 and $2,200 annually for home insurance, higher than Pennsylvania's state average of $1,400-$1,575. The higher costs reflect Wayne's elevated property values (median over $1.2 million), premium construction quality, and the specialized coverage needed for Main Line estates. Homes valued above $2 million or historic properties often pay significantly more due to increased replacement costs and unique coverage requirements.
Yes, historic homes in Wayne often require specialized coverage beyond standard homeowners policies. Many qualify for HO-8 policies designed for older properties with unique architectural features, original materials, or systems that don't meet modern standards. These policies account for the higher cost of repairs using period-appropriate materials and specialized craftsmen. Expect to pay more for historic home insurance, but you'll get coverage that understands your property's unique value and restoration requirements.
No, standard homeowners insurance policies do not cover flood damage, regardless of your home's value or location. You need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or private insurers. In Pennsylvania, flood insurance averages $1,030 annually, and coverage takes 30 days to become effective. Given Pennsylvania's increasing severe weather events and flooding risks, flood insurance is essential protection that many Wayne homeowners overlook.
HO-3 policies are standard homeowners coverage that lists what's covered, while HO-5 policies offer broader protection by covering everything except specifically excluded perils. For Wayne's high-value homes, HO-5 policies provide replacement cost coverage for custom features, high-end finishes, and unique architectural details without the limitations of standard policies. HO-5 coverage costs more but provides significantly better protection for luxury properties with custom construction and premium materials.
Standard homeowners policies limit coverage for valuables to $1,500-$2,500 per category, which is insufficient for many Wayne estates. You need scheduled personal property endorsements that list specific items with their appraised values and provide dedicated coverage limits. This protects art collections, jewelry, antiques, wine cellars, and other high-value items at their full value. You'll need current appraisals or purchase documentation, but the endorsements typically cost just a small percentage of the items' value annually.
Absolutely. If you own a high-value home in Wayne, umbrella insurance is essential protection beyond your standard liability limits. Standard policies typically offer $100,000-$300,000 in liability coverage, but a serious injury on your property could easily exceed that. Umbrella policies provide an additional $1-5 million in liability protection for surprisingly affordable premiums of $200-$500 annually, protecting your assets if you're sued for injuries or damages that exceed your primary policy limits.
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