Homeowners in Pennsylvania are fortunate that the annual premiums for their insurance is an average of $913 per year in comparison to the $1,173 that is the national average, according to the National Association of Insurance Commissioners.
However, due to the Quaker State’s increasingly severe weather and climate change, those rates are likely to be going up. How much you pay depends on the size of your home, the amounts of the coverages, the address, and your assets.
The following summaries may help you decide what the best insurance is for you.
Although Erie Insurance is the state’s second-largest provider, it is at the top of this list because its standard policy includes coverages for which other insurers charge extra. Some insurers pay only part of what it costs to rebuild a house, but Erie offers a 100 percent guaranteed replacement cost coverage and includes coverage for valuables.
Erie has an A+ rating from A.M. Best, which means that it is financially stable to pay its claims, received a rare four out of five points from J.D. Power on its claims process and overall consumer experience, and Consumer Reports gave it a rating of “Excellent” for both timely claims and its claims process.
The state’s largest provider, it has the highest financial stability rating, A++, from A.M. Best, a four out of five for overall consumer experience and a three out of five for its claims process from J.D. Power, and Consumer Reports gave it a “Very Good” for both timely payments and its claims process. You have to pay extra for valuables coverage, and it has fewer discounts than Erie.
A.M. Best gave Allstate an A+ financial stability rating, J.D. Power gave three out of five points in claims process and overall experience, and Consumer Reports rated its payment speed and claims process as “Very Good.” Allstate has a basic policy, and additional coverage for valuables, protection from sewer and water damage, identity theft, and for electronic data recovery. There are discounts for maintaining a smoke-free home and auto paying your premiums.
Their A rating reflects a solid level of financial stability. It earned three out of five points from J.D. Power for its claim process and overall experience, and ratings of “Very Good” on payment speed and claims process from Consumer Reports. The basic policy includes dwelling and personal property coverage, and coverage for valuables is additional. There are discounts for insuring the home to 100 percent of its value, getting multi-line policies, having fire and burglar alarms, sprinklers, making renovations, and others.
Interior design is something that is constantly changing. New trends emerge every year. A modern interior design can really make a lasting impression on guests, and make you feel proud to live in your home daily. Not to mention, the resale value of your home will be higher if everything is up-to-date.
Here are some interior design trends for 2018 that will give your home the boost it needs.
Black is one of those timeless colors that goes with everything. While shiny black surfaces were in a few years ago, this year is all about matte. It is soft spoken, letting its understated nature come through while not taking away from other elements.
Why not kill two birds with one stone when it comes to the material in your kitchen. Your cutting board can now be killing unsafe germs after you cut up meat for dinner. Or your countertops can have microtextures that actually break up microbial cells to prevent food-borne illnesses from spreading.
More Chopping and Baking Stations
Who doesn’t love to bake or chop up their favorite herbs and veggies for a big meal with the family? More and more homes are coming with chopping stations and baking stations, those being two of the most common activities in the kitchen. Why not get some installed of your own to spruce up your interior design?
There is something so modern, sturdy, elegant and beautiful about stone and concrete. It matches anything and allows you to achieve a modern yet rustic look, which is why it is such a popular trend in 2018. Try some concrete accents in your kitchen or living room for the best effect.
Don’t hold yourself back on colors this year. From bright orange, to green, to everything in-between, you can safely go all out with bold colors this year and be in style. But be sure to space the colors out enough to give them room to shine, and balance with neutrals.
Matching up your interior design to your style and social vibe of the moment can be really fun. However, you want to make sure that you have the right trends in mind and not just fads. I hope the trends above help you decide on home decorations. Show everyone your personality and how in-touch you are with modern style.
About Jason Cohen Pittsburgh
Jason Cohen is a real estate investor in Pittsburgh, Pennsylvania. He created Jason Cohen Pittsburgh, a group of real estate enthusiasts committed to helping others invest in real estate, and he has thrived in the area since 2002.
As Jason’s career has grown and flourished, so has Pittsburgh itself — transforming from an industrial “rust belt” city into a major cultural center abundant with high-end multi-family rental properties. Jason has seamlessly handled the dynamic nature of Pittsburgh and of the real estate industry in general. A research-driven professional, he consistently enables smart and profitable investments in the area, helping to transform modest properties into high-end rentals in Pittsburgh’s hottest neighborhoods.
Jason Cohen first entered the world of real estate shortly after his graduation from college. He started out by investing in distressed properties in Pennsylvania. After some experience working full-time for a real estate company, he decided to pave his own path in the industry. He has worked as an independent real estate agent and developed the Jason Cohen Pittsburgh team ever since. The team consists of highly qualified investors, property managers, leasing agents, and contractors.
Over the course of his career Jason has become highly proficient in acquisitions, joint ventures and partnerships, multifamily real estate investments, asset repositioning, real estate management, real estate brokerage, and new construction. He has excelled in high-level investment strategies, but is also no stranger to “ground work” when it comes to the industry. He is well-versed in each step of Jason Cohen Pittsburgh’s unique system: researching local areas and investing in properties, performing renovations to transform these properties from dilapidated eyesores into high-end units, and ultimately repositioning the properties for maximum profit in renting and selling.
Jason Cohen Pittsburgh is the group of choice for anyone who needs advice, analysis and due diligence, and general expertise in matters of investing, whether they are short-term or long-term. Jason Cohen Pittsburgh has dealt with properties in a variety of neighborhoods throughout parts of Pittsburgh, including the South Side, Oakland, Shadyside, Squirrel Hill, Mt. Lebanon, and Regent Square. Each and every one of these locations, paired with Jason’s overall knowledge of real estate investing, has allowed him to play a part in restoring Pittsburgh’s place as one of the most popular cities in the United States.
This blog will share news, updates, and insights regarding Pittsburgh and its real estate market from the perspective of Jason Cohen Pittsburgh. Stay tuned!