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Your Home Insurance - Are You Covered?

By Lisa Tori

Tell us a little bit about your company and the services you offer.

J. L. Davis Insurance, Inc. has been in business since April 2000. We are a member of Pennsylvania Insurance Alliance, a network of local independent insurance agencies located throughout Eastern Pennsylvania. With over sixty years of combine experience, we can provide quality service and support all of your insurance needs.

In your opinion, what is the most important thing for a homeowner to know about home insurance coverage?

Through our affiliation with the Pennsylvania Insurance Alliance, J.L. Davis has access to fifteen plus top rated insurance companies. This provides competitive products and services we can offer our clients. We offer one stop service for business and personal insurance as well as life and health insurance. We also offer notary services free to our clients.

How would you define having the right home insurance policy?

One of the most important thing a homeowner should know about home insurance coverage, is to know what is and what isn't covered. A homeowner policy is for catastrophic losses. The policy is intended to get you back to where you were before a loss occurred. There are exclusions. A homeowner's policy does not provide protection for all disasters.

What is the first step people can take to make sure they are adequately covered?

Having the right insurance policy means identifying the client's exposures and provide coverage to protect them. Our job as insurance agents, is to ask questions to uncover the situations that each client has. Expensive items, such as jewelry, should be scheduled on the policy to provide the best protection. The standard policy provides very little coverage. Also, there are discounts that may be applicable, such as an alarm system.

Can you briefly describe what replacement cost coverage is?

How do you know if your home is adequately covered? J.L. Davis will obtain information on the home when asking questions on a quote. We want to know the square footage and features of the home. Before quoting, we will determine the replacement cost of the home by using a formula provided by the companies we represent. This gives us an idea of the replacement cost of the home. Our companies will also do an inspection to confirm the dwelling coverage is correct, right from the beginning. This helps prevent problems when there is a claim. Each year our companies will increase the value of the home to keep up with inflation and the cost of materials. The increase is usually three to four percent.

Are there certain types of coverage that homeowners in Pennsylvania typically under or over insure?

Replacement Cost on the Dwelling pays the client the cost to replace the damaged property without deduction for depreciation. The same applies to Replacement Cost on Contents. These two important coverage's are added to our clients policies. If the policy does not list these endorsements, the loss will include depreciation.

What's the best way for people to contact you and your company?

J.L. Davis Insurance can be reached by phone, fax, email, website or mail. Our address is 1723 Swamp Pike, Gilbertsville, PA 19525. Our phone number is 610-287-8440 and our fax number is 610-287-8876. My email address is Our website is

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About The Author

Lisa is a Producer with JL Davis Insurance, Inc. She has been in the insurance...

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