Homeowners Insurance

Your home is one of your most important assets. R. A. Fraser can help you find the policy that suits your unique needs at the best possible rate. We can customize the right package to your family’s needs.

  • Home Replacement Guarantee increases the dwelling coverage to help rebuild your home.
  • Personal Property Replacement Policy will pay to replace items destroyed or stolen up to policy limits.
  • Valuable Items— Have antiques, valuable jewelry or fine art? We can explain how to best protect these items usually not covered under typical home policies.
  • Water Backup/Sump Pump Coverage – excluded from a standard homeowners policy, this can be added by endorsement to cover items in your basement including personal property and building coverage.  This is not flood insurance!  Floodwater is defined as surface water coming in through a door, opening, or wall.  We also offer flood insurance.

  • 24-hour, toll-free claims reporting

  • Flexible payment options

  • Great service

  • Agreed value

Discounts Available

Alarm Systems

Deadbolts

Smoke Alarms

New Home / Renovation Credits

Higher Deductibles

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FAQ

Do I need renters insurance?  If you rent, your landlord has a policy that covers the building only.  You need low-cost coverage for your personal property and also liability coverage in case a guest gets hurt.  Many renters think they don’t have anything worth insuring, but imagine for a minute coming home to find a fire has destroyed everything- how will you replace your clothing and furniture?  For as little as $8 a month buy coverage for the unthinkable.

Get a Free Quote! (Homeowners/Renters Insurance)

Your privacy is very important to us. Click here to read our policy.

  • Your Personal Data

  • MUST be Pennsylvania!
  • (optional)
  • Accepted file types: pdf, jpg, gif, bmp.
    Save time and simply upload a copy of your declarations pages. These are the first 1-3 pages of your policy that list all your coverages, deductibles and rating information.

  • Dwelling Information

    (new home constr.)
    (Some companies products are based on your credit and payment history.)
  • These are the coverages listed on your insurance declarations pages.
  • ($250, $500, $1,000, etc.)
  • (describe any scheduled jewelry, in-home business, or other special coverages needed here)

  • Thank you for filling out this form COMPLETELY!

    We value your input as PRIVATE information. Every step has been taken to insure your privacy, security, and our intent is to release quote information only to you. We will not give your data to ANY other person or group for sales, marketing, or ANY other purposes. By checking the box below you agree to allow our agency to release this information via the method you have chosen, and to release us from any liability should this information be accidentally viewed by others. Our intention is to maintain your complete privacy.