Abraham Hobson Insurance Services
529 Scott St, Wilkes-Barre, PA 18702
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529 Scott St, Wilkes-Barre, PA 18702
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529 Scott St, Wilkes Barre, PA 18702
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352 E Northampton St, Wilkes-Barre, PA 18702
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45 Westminster St, Wilkes Barre, PA 18702
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55 Countrywood Drive, Wilkes-Barre, PA 18706
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Learn about insurance coverage options specific to Wilkes Barre residents.
Wilkes-Barre home insurance guide covering flood risk, historic property coverage, and rates. Learn what Pennsylvania homeowners pay and how to protect your home.
General Insurance EducationComplete insurance guide for Wilkes-Barre, PA. Learn about auto rates ($116/month avg), flood risks in Wyoming Valley, homeowners coverage, and PA requirements.
Car InsuranceWilkes-Barre auto insurance guide: PA's choice no-fault system, 15/30/5 minimums, limited vs full tort, I-81 risks, and how to get proper coverage.
Yes, especially if you're near the Susquehanna River or in a designated flood zone. Standard homeowners insurance doesn't cover flood damage at all, and flooding is Pennsylvania's most common natural disaster. If you have a mortgage and live in a Special Flood Hazard Area, your lender will require it. Even if you're not in a high-risk zone, consider buying it—flood insurance typically costs $700-$1,200 annually, far less than replacing a flooded basement.
Pennsylvania homeowners pay an average of $1,440 to $1,911 annually for home insurance, or roughly $120 to $159 per month. Wilkes-Barre rates typically fall in the middle range for the state, influenced by flood risk and older housing stock. Your actual rate depends on your home's age, condition, coverage limits, deductible, and claims history. Shopping around among multiple insurers can save you several hundred dollars annually.
Yes, damage from frozen pipes is typically covered under standard homeowners insurance policies. However, your insurer expects you to take reasonable precautions like maintaining heat in your home during winter. If you leave your house unheated during freezing weather and pipes burst, your claim might be denied for neglect. Keep your heat at least at 55°F when you're away, and consider draining pipes if you'll be gone for an extended period.
Historic homes can cost more to insure because they're more expensive to repair or rebuild with period-appropriate materials and craftsmanship. However, rates vary significantly among insurers—some specialize in historic properties and price them competitively. Make sure you have adequate dwelling coverage to cover specialized reconstruction costs for features like ornamental plasterwork, slate roofs, or custom woodwork. Consider guaranteed or extended replacement cost coverage that goes 125-150% beyond your base dwelling limit.
Replacement cost coverage pays to rebuild or replace damaged property at today's prices without deducting for depreciation. Actual cash value pays the depreciated value of items, meaning you get less money because the insurer subtracts for age and wear. For your dwelling and contents, always choose replacement cost coverage—it costs slightly more but provides far better protection. Otherwise, you'll get paid much less than what it actually costs to replace your roof, siding, or belongings after a claim.
Yes, most insurers offer multiple discounts. Common ones include bundling your home and auto policies with the same insurer (typically 15-25% savings), installing a security system or monitored fire alarm, having a newer roof, being claims-free for several years, and being a non-smoker. Ask your agent about all available discounts—they can add up to significant savings. Also, consider raising your deductible from $500 to $1,000 or $2,500 to lower your premium, but only if you can afford the higher out-of-pocket cost if you need to file a claim.
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