Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Bethlehem

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Bethlehem Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

51Reviewed

34Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

17 South Robinson Avenue, Pen Argyl, PA 18072

Expertise.com Rating

Why choose this provider?

Sabatino Insurance Agency is a family-owned company near Bethlehem whose agents have provided insurance policies that meets the needs of homeowners and businesses since 1949. It has a variety of home insurance options that include coverage for property losses, living expenses, and personal injury claims. The company offers business insurance plans to cover worker's compensation, automobiles, and property damages. Sabatino Insurance also has life insurance services and products that provide death benefits for surviving family members.

  • Renter's Insurance
  • Personal Property Insurance
  • Fire

24 East Broad Street, Bethlehem, PA 18018

Expertise.com Rating

Review Sources

Google
3.6 (20)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Horwath Insurance Agency is an independent insurance agency based out of Bethlehem. It has provided homeowners insurance services to the state of Pennsylvania by partnering with five different insurance carriers. As an independent agency, Horwath Insurance Agency is committed to finding each client an insurance plan that fits their needs, whether through a national or regional provider. In addition to personal home and auto plans, Horwath Insurance Agency offers business and commercial property insurance.

  • Fire
  • Multiple Policy Types

1540 West Broad Street, Quakertown, PA 18951

Expertise.com Rating

Why choose this provider?

Matt Balke - State Farm Insurance Agent offers a wide range of insurance options to residents of the Bethlehem metro area, with no charge for the initial, no-obligation quote. In addition to homeowners insurance, he also provides auto, property, business, life, health, and pet coverage as well as financial services. With over 35 years of experience, he helps homeowners safeguard their property, prized possessions, and other personal assets against disasters and unfortunate events.

  • Multiple Policy Types

3482 Linden Street, Bethlehem, PA 18017
WebsiteLicense: 390067

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Review Sources

Google
4.0 (6)
Facebook
5.0 (2)

Why choose this provider?

Patrick McNealis Insurance and Financial Group is an independent agency that serves residents in Bethlehem and the surrounding areas. It offers homeowners' insurance solutions with coverages for dwelling, loss of use, personal liability, and medical payments, in case of accidents or injury. The company also offers auto insurance policies covering motorcycles, boats, RVs, and classic cars. Umbrella policies are also available for clients looking to get additional coverage on top of what traditional insurance policies provide.

  • Life Insurance

754 Nazareth Pike, Nazareth, PA 18064

Expertise.com Rating

Review Sources

Google
4.8 (43)
Facebook
5.0 (1)

Why choose this provider?

The Wolf Insurance Agency offers homeowners insurance near Bethlehem. Its services cover a variety of assets such as personal belongings and specific items like heirlooms and valuables. Identity theft coverage is also offered. The company also provides coverage for damage done by natural disasters. The company offers auto and boat insurance, life insurance, and business insurance services. The Wolf Insurance Agency has been an independent insurance agency for over 30 years.

  • Multiple Carriers
  • Multiple Policy Types

1162 Howertown Road, Catasauqua, PA 18032

Expertise.com Rating

Review Sources

Google
4.3 (12)

Why choose this provider?

Bollinger Insurance Agency was founded in 1960 and is an independent insurance agency serving clients in and around Bethlehem. The agency focuses on providing homeowners' insurance policies through a personalized approach. Clients can choose what their policies cover, including options like fire, jewelry and fine arts, excess liability, water back-up, off promises theft, and flood coverage. Bollinger Insurance Agency also offers other insurance products such as sinkhole, earthquake, and umbrella insurance policies, which provide more coverage overall.

  • Multiple Policy Types

1685 Stoke Park Road, Bethlehem, PA 18017

Expertise.com Rating

Review Sources

Google
4.7 (15)

Why choose this provider?

Thomas E. Michael Agency offers property damage coverage to homeowners in Bethlehem. Beyond securing repair or replacement costs for a dwelling, the company's policy options cover liability protection against claims of injuries that occurred in a client's home. It also counsels clients on the quality of their insurer and the scope of their coverage, such as whether their policy is on a named-perils or an all-risk basis. A family-owned company founded in 1957, Thomas E. Michael Agency also offers renters' and condominium insurance.

  • Multiple Policy Types

1135 Stefko Blvd ste b, Bethlehem, PA 18017

Expertise.com Rating

Review Sources

Google
4.9 (36)
Facebook
5.0 (9)
Yelp
1.0 (1)

Why choose this provider?

Larry Chapel - State Farm Insurance Agent provides years of experience in dealing with homeowners insurance matters in Bethlehem and the surrounding areas. The firm has a Spanish-speaking team assisting with various insurance products ranging from auto, property, home, health, pet, and life. Larry Chapel is a member of Lehigh Valley's National Association of Insurance & Financial Advisors, a non-profit group that is home for agents and advisors. Other products offered include mutual funds and annuities.

  • Multiple Policy Types

2709 Easton Avenue, Bethlehem, PA 18017

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
5.0 (7)
Yelp
5.0 (3)

Why choose this provider?

Snyder Insurance Agency is a family-owned company that has more than 30 years of experience providing reliable insurance policies for property owners in Bethlehem. It has home insurance plans that cover losses to a client's home and the contents inside, as well as lawsuits from any injuries that occurred on the property. Renters can purchase the agency's renter's insurance to protect their belongings from fire, theft, and storms. Plus, Snyder Insurance offers life, auto, watercraft, and worker's compensation insurance.

  • Multiple Policy Types

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • How can you protect your finances with homeowners' insurance in Bethlehem?

    Homeowners' insurance shields your most significant investment in several key ways. In the unfortunate event of accidents or damage to your home, the policy may cover repair and rebuilding costs, preventing financial strain. Moreover, your valuable belongings are also protected, ensuring that repair or replacement expenses for items like furniture, electronics, and more are covered. Furthermore, if your home becomes uninhabitable due to damage, the policy covers temporary living expenses, sparing you from unexpected financial burdens in Bethlehem.

  • What additional riders can be added to your homeowners' insurance in Bethlehem, apart from the usual policies?

    Homeowners' insurance in Bethlehem can provide extra protection through riders, expanding coverage beyond the usual policies. These possible riders may include jewelry, which ensures that valuable pieces like engagement rings are adequately protected. Another, called electronics rider, covers high-end devices and necessitates updating records. For home businesses, a specific rider is crucial since assumptions about coverage could lead to gaps in protection. Lastly, a sewer backup rider is advisable, given that standard policies don't cover this distressing issue.

  • What is the difference between a replacement cost and a market value in Bethlehem?

    When comparing replacement cost and market value in Bethlehem, it's important to remember that homeowners insurance is intended to rebuild your home, not purchase it. While the purchase price of a home is often the initial focus, the real concern is the cost of rebuilding it if it is damaged. Replacement costs can exceed market value, ensuring you have enough coverage to rebuild your home. This type of coverage guarantees that you will have enough money to rebuild your home, regardless of the cost.

  • Do you have loss settlement options in your homeowners' insurance in Bethlehem?

    You have several loss settlement options to consider with your Bethlehem homeowners' insurance. Insurance companies provide these options, known in the industry as loss settlement options, to cater to the various needs of homeowners. Available options include Replacement costs, extended replacement costs, actual cash value, and guaranteed replacement costs. Each option functions differently, and different insurance providers offer different variations.

  • What constitute homeowners' insurance in Bethlehem?

    A Bethlehem homeowners' insurance policy is tailored to your residence, chosen coverages, and specific loss protection. It offers flexibility, with options like comprehensive coverage for fire, theft, and more or specific loss-focused policies. Your selections shape the policy's content, and costs depend on chosen ranges, often priced individually. Coverage extent and deductibles influence premiums; you can set higher limits if needed. Ultimately, this policy ensures personalized protection for your Bethlehem home, accommodating your unique needs.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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