Pennsylvania Tornado Insurance
Find the right tornado insurance policy for you.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
On May 28, 2013, a tornado touched down in Erie County, PA. It damaged buildings, destroyed a home, ruptured gas lines, and tore trees from the ground. While Pennsylvania isn’t located in the center of Tornado Alley, it has known its share of twisters and the devastation they cause. If your home or business is struck by a tornado, rebuilding will take time and money. Most homeowners insurance policies cover wind damage, including the effects of a tornado, but it is important to make sure you have enough Pennsylvania tornado insurance to protect your finances before a tornado hits.
A local independent agent in the Trusted Choice® network can look over your insurance policies to find out how much tornado coverage you have and how much you may need. These agents work for you, and not one insurance company. A member agent can look up several policies from different carriers to help you find the one that fits your needs. Contact a local agent today and compare Pennsylvania tornado insurance quotes tailored to your risks and budget.
Save on Tornado Insurance
Our independent agents shop around to find you the best coverage.
Pennsylvania Tornado Facts
- On May 31, 1985, a category F4 tornado blew through Western and Northern PA. It uprooted 90,000 trees, took lives, and destroyed homes.
- The average cost of the damage from a single tornado is $800,000.
If a tornado touches down, you could suffer damage to your car, possessions, and house. You could also lose your home completely and need to rebuild. If your coverage is insufficient, these costs must be paid out of pocket, or in the form of government aid loans or expensive bank loans.
To protect your financial future from a potential disaster, it is a good idea to make sure your coverage levels are as high as necessary. An independent agent can help you calculate the cost of replacing what you own, and can show you Pennsylvania tornado insurance coverage that is broad enough to keep you covered.
Tornado Coverage for Pennsylvania Renters
If you rent your home, the house itself is covered by the landlord’s insurance. Likewise, if you own a condominium, the structure of your home is covered by the condo association’s master policy. However, the contents of your home are your responsibility. If they are damaged in a tornado, you will need renters insurance or condominium insurance to pay the price of repairs and replacements.
If your belongings are insured for actual cash value, you may not have sufficient funds from your coverage to purchase replacements. A member agent can help you look up policies that provide replacement value coverage so that you have the funds you need to buy back the electronics, furniture, tools, clothing, and other valuables lost to a weather catastrophe.
Cars, Trucks, and Trailers
The liability coverage required by law is not enough to protect you from the expense of repairing or replacing a vehicle that has been damaged by a tornado. For loss caused by storms, strong wind, flying debris, and fallen trees, you need a comprehensive policy with coverage limits high enough to pay for the value or replacement cost of your vehicle.
A member agent can review your auto insurance or trailer insurance, and can show you quotes from several auto insurance companies to find the comprehensive coverage you need at a reasonable rate.
Protect Your Pennsylvania Business From Tornadoes
Your business policy probably insures your buildings, vehicles, trailers, and other items against storm and wind damage. However, it is important to review your inventory regularly and keep a current account of the value of your property. An independent agent can look over your list of insured property and structures, to make sure your business coverage limits are high enough to reimburse you for losses from a tornado.
Save on Tornado Insurance
Our independent agents shop around to find you the best coverage.
Get Pennsylvania Tornado Insurance Quotes with Ease
A tornado does not have to be financially devastating. If you have the right homeowners insurance, car insurance, and other applicable policies in place, you can rebuild without too much damage to your bank account. If you aren’t sure how much coverage you have or need, a local agent in the Trusted Choice network would be a good source of information.
These independent agents work with multiple insurers to find you great coverage at a price that fits your budget. Contact a member agent today and get the Pennsylvania tornado insurance quotes you need to keep your finances secure.