Marcy is licensed in Pennsylvania and works with Pennsylvania clients by phone, text, and email. Our only office is in Colorado Springs, CO, so there is no Pennsylvania branch to visit, and most people find that a phone call handles everything anyway.
Pennsylvania is one of the few states that asks drivers to choose between limited tort and full tort. Limited tort usually costs less, but it restricts your ability to recover for pain and suffering after an accident unless your injuries meet a legal threshold. Full tort preserves that right. This is a decision with real consequences, and many drivers do not remember which one they selected. It is worth confirming what is on your policy.
Much of Pennsylvania's housing stock predates modern building standards. Knob and tube wiring, older electrical panels, aging roofs, and outdated plumbing all affect which carriers will write a home and on what terms. Some older homes are written on a replacement cost basis and others on actual cash value or functional replacement cost, which pays to repair with modern equivalents rather than matching original materials. Row homes bring the additional question of shared walls and attached structures.
In parts of Pennsylvania with a history of underground coal mining, ground can settle and damage foundations and structures. Standard homeowners policies exclude mine subsidence. Pennsylvania operates a state mine subsidence insurance program, and coverage is purchased separately from your homeowners policy. If your property sits over historic mine workings, this is a real and specific gap worth closing.
Regions of Pennsylvania sit on karst limestone, where sinkholes can open with little warning. Standard homeowners policies typically exclude earth movement, including sinkhole collapse. Coverage may be available by endorsement or through a specialty market depending on location and carrier appetite.
Pennsylvania has a large agricultural base, and farms need coverage that a homeowners or standard commercial policy cannot provide. Farm policies combine the dwelling, barns and outbuildings, machinery and equipment, livestock, and farm liability. Operations that sell direct to the public, host visitors, or run agritourism add liability exposure that needs to be written deliberately.
Moving between these states, or splitting your year across them? Because Marcy is licensed in all three, she can handle both ends of the move rather than handing you off.
Marcy compares 88 carriers to find the fit for your situation. Send a few details or just call. There is no obligation.
