Homeowners Insurance

Coverage That Starts at Home

Reliable homeowners insurance for families across Pennsylvania and New Jersey.

Your home is more than just a roof—it’s where life happens. Whether you’re buying your first place in Easton, upgrading in Norristown, or settling down anywhere in Pennsylvania or New Jersey, we’re here to help you protect it. At Sidney Sacks Insurance, we offer flexible homeowners insurance policies that fit your lifestyle, your home, and your peace of mind. No guesswork. No confusing fine print. Just local service and coverage that works.

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What’s Included in Homeowners Insurance

Coverage for what matters most—your home and beyond.

Dwelling Protection

Covers the physical structure of your home against damage from fire, storms, vandalism, and more.

Personal Property Coverage

Protects belongings inside your home—furniture, clothing, electronics, and other valuables—from covered events like theft or fire.

Liability Protection

If someone is injured on your property or sues over damages, liability coverage helps cover legal fees and settlements.

Additional Living Expenses

Pays for hotel stays or temporary housing if your home is unlivable after a covered loss.

Other Structures Coverage

Includes sheds, fences, garages, and other detached structures on your property.

Why Locals Choose Sidney Sacks

We protect homes like they’re our own.

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We Know Local Risks

From snowstorms in Scranton to coastal concerns near New Jersey, we know what your policy should really include.

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We Shop Smart

We work with top carriers to compare options and get you the right price—without sacrificing protection.

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We Make It Personal

We explain your policy in plain English and answer when you call. It’s that simple.

Homeowners Insurance FAQs

  • How much homeowners insurance do I need?

    It depends on the cost to rebuild your home—not its current market value. We’ll calculate the proper dwelling limit to make sure your home insurance in Pennsylvania fully protects you in case of major damage. We also help you determine personal property and liability coverage based on your needs.

  • Is homeowners insurance required in Pennsylvania?

    While homeowners insurance isn’t required by state law, your mortgage lender will almost always require it. Even if you own your home outright, it’s one of the smartest investments you can make to protect your finances and your future.

  • What’s the difference between replacement cost and actual cash value?

    Replacement cost reimburses you for what it takes to replace damaged items today, while actual cash value factors in depreciation. Most clients choose replacement cost for better peace of mind—we’ll help you decide what’s best based on your budget and priorities.

  • Does homeowners insurance cover floods or earthquakes?

    Standard home insurance policies do not cover floods or earthquakes. We can help you add those protections if your location puts you at higher risk. Ask us about flood insurance options in Easton, Norristown, or anywhere in NJ or PA.

  • Can I bundle homeowners with auto insurance?

    Yes—and it’s one of the best ways to save. Bundling your home and auto insurance not only reduces your premium but also simplifies your billing and service. Let us quote both and show you the savings.