Home Insurance Services

Homeowners Insurance Services

Your house is more than an investment. It's where you live and make memories that last a lifetime.

Home damage can be a major source of worry. Anything from a leaking roof to a broken window can easily lead to more damage if not fixed promptly. No one can predict when damage to your home will happen, but you can be prepared. The Puffenbarger Agency offers multiple coverage options that protect your home and personal property.

Whether the damage caused to your home is as a result of weather, faulty appliances, vandals or other accidents, rest assured that we'll look out for you, your house and your belongings.

Protection Against...

• Fire and Lightning
• Windstorm and Hail
• Explosion
• Riot and Civil Commotion
• Aircraft
• Vehicles
• Smoke Damage
• Vandalism and Malicious Mischief
• Theft On or Off Premises
• Falling Objects
• Weight of Ice or Snow
• Accidental Overflow of Water from Plumbing
• Accidental Electrical Damage to Appliances
• Damage by Freezing

Unfortunately, accidents on your property can result in injury of family members and others, or damage to other people's property. The Puffenbarger Agency will cover you against the high costs of these problems. Stay stress-free with the knowledge that you're covered including coverage for...

• Personal Liability Coverage that protects you and your spouse, any relatives living with you, and anyone under age 21 in your care
• Protection against claims you're legally obligated to pay including bodily injury, sickness, disease and death of others.
• Paying the cost of defending a claim against you
• Damage to property of others
• Medical expenses of others
• Accidental death benefits

Personal Property Insurance Services

Protect the property you value with broad and flexible coverage from the Puffenbarger Agency. Even though these objects of your affection are irreplaceable, that doesn't mean you shouldn't protect them.

Knowing whether or not you are protected is important. Most homeowner, condominium unit-owner, mobile homeowner or renter policies will not cover personal property that's of high monetary or sentimental value. Many coverage limits for property such as jewelry stop at $1,500.

• Dollar limitations usually apply in the event of theft, and sometimes any type of loss
• Coverage is typically limited to certain types of damage such as fire, wind or theft
• Coverage away from premises may also be limited

The Puffenbarger Agency has the protection you need for your important items. We can help you pick the complete coverage you need to make sure you're well-protected. Keep your possessions insured including...

• Jewelry, Watches, Furs
• Cameras (film, digital, video)
• Electronics - Stereos, Computers, TVs
• Golf Equipment
• Silverware, Goldware, Pewterware
• Fine Arts
• Guns
• Tools
• Musical Instruments
• Money and Rare Coins
• Stamp Collections

Personal Liability Insurance Services

Being sued can bring about a world of problems. If you are held personally accountable or legally liable for certain injuries or property damage, you need to be prepared. The Puffenbarger Agency can help you prepare. Personal umbrella liability (PUL) insurance will give you the extra coverage you need.

The risks involved in being sued are increasing. Courts are awarding ever-growing amounts in personal liability cases. How could you be sued? Here are a few possibilities:

• Auto Ownership: Car accidents with uninsured motorists coverage if you or family members are not liable
• Home Ownership: Accidental falls on your property, swimming pool accidents, home playground mishaps
• Recreational Activities: Accidents involving watercraft or golf course injuries
• Personal Activities: Libel and slander, and invasion of privacy

The PUL policy was designed with you in mind and offers unique advantages. First, it's affordable so you don't have to break the bank to stay protected. Second, the PUL policy provides payment for attorney and legal expenses (up to your policy limit) - when it's not provided in the liability coverage of your auto and homeowners protection. Finally, the PUL policy even provides optional coverage for you and your family if the other party is uninsured or underinsured.