Home Insurance in Pennsylvania & Maryland
Protecting Your Biggest Investment
Most homeowners don't realize their coverage is inadequate until they file a claim. At Kelly Glass Insurance, we don't work for one big carrier—we work for you. We compare rates from top providers like Nationwide and Progressive to find the right protection for your Pennsylvania or Maryland home. Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.
Coverage That Goes Beyond the Basics
Don't let complicated industry terms overwhelm you. Our team is here to guide you through the details and ensure you never feel left in the dark.
- Dwelling Coverage: Protects the physical structure of your home from fire, wind, and lightning.
- Personal Property: Covers your furniture, clothes, and electronics (we recommend Replacement Cost over Actual Cash Value).
- Liability Protection: Essential if someone is injured on your property or if your dog bites a neighbor.
- Sewer Backup & Flood: Common gaps in standard policies that we help you bridge.
Is flood insurance included in my standard PA homeowners policy?
No. Standard policies in Pennsylvania typically exclude damage from rising surface water. We can help you secure a separate flood policy to ensure you're fully protected.
How can I lower my home insurance premium?
The most effective way to save is by bundling your home and auto policies with Kelly Glass Insurance. You may also qualify for discounts if you have a security system or a newer roof.
Does my insurance cover "Replacement Cost" for my belongings?
Many policies default to "Actual Cash Value," which accounts for depreciation. We recommend "Replacement Cost" coverage so you can actually afford to buy new items after a loss.
Serving Our Neighbors Since 2010
We aren't just a voice on the phone; we’re your neighbors on East Cumberland Street.
- Personalized Focusing on You Reviews: You’re a person, not a policy number. We sit down with you to review your policy periodically.
- Claims Advocacy: If the unexpected happens, we’ve got your back. Access our 24/7 Carriers Directory. For additional, general claims process questions, call us at (717) 272-2242 to talk to an associate.