Homeowners Insurance for Pennsylvania & Ohio – Protect Your Home
Your home is more than just a building—it’s where life happens. Whether you own a family home in Mercer County, a bungalow in Lawrence County, or a house just over the Ohio line near Youngstown, homeowners insurance in Pennsylvania and Ohio helps you recover from the unexpected.
At Rodgers & Co Insurance, we make sure you’re covered for more than the basics, with a policy that reflects your home’s value, location, and unique needs.
Coverage Designed to Protect More Than Your Four Walls
A standard homeowners insurance policy can help with:
Dwelling Coverage
Repairs or rebuilds your home if it’s damaged by fire, wind, hail, or other covered events.
Personal Property
Covers your belongings, whether they’re inside your home or temporarily away (like luggage during a trip).
Liability Protection
Helps with legal and medical expenses if someone is injured on your property.
Additional Living Expenses
Pays for housing and meals if you can’t live in your home during covered repairs.
You can also add optional protections like:
Jewelry, art, or collectibles coverage
Service line coverage for underground pipes and wiring
Water backup coverage
Ordinance or law coverage for rebuilding to current codes
Keep in mind—standard home insurance does not cover flood damage. For that, we offer Flood Insurance.
Home Insurance That Fits the Way You Live
No two homes are alike. Whether you own a newly built house in a growing neighborhood, a historic home with original woodwork, or a rural property with a private well, your insurance should reflect those differences.
Our team understands the local factors that impact your coverage needs, like:
Winter freeze risks and older plumbing systems
Distance from fire departments in rural areas
Mine subsidence insurance requirements in parts of Pennsylvania
Seasonal storm patterns that affect roof and siding claims
Why Choose Rodgers & Co for Your Home Insurance
We’re an independent home insurance agency, which means we can compare coverage and rates from multiple top-rated companies—Progressive, Auto-Owners, Safeco, Westfield, and more—to find the best fit for your budget and your home.
You’ll get:
Local advice from a team that knows Western PA & Eastern OH
Clear explanations of what’s covered and what’s not
Help filing claims and making changes to your policy
A single, friendly point of contact for all your insurance needs
Bundle & Save on Your Policies
Bundling your home and auto coverage is one of the easiest ways to lower your premiums. Most carriers offer a multi-policy discount, and you’ll have fewer renewal dates to track.
Ask us how much you can save when you pair your home insurance with our Auto Insurance › coverage.
Want more tips? Visit our How to Save on Car Insurance ›
Other Property Coverage Options
Not every home fits the same policy. We also offer:
Condo Insurance:
Coverage for your unit’s interior, belongings, and personal liability.
Renters Insurance:
Affordable coverage for your possessions and liability in a rented space.
Umbrella Insurance:
Additional liability protection beyond your home policy’s limits.
FAQs About Homeowners Insurance in PA & OH
Is homeowners insurance required?
Not by state law, but most lenders require it until your mortgage is paid off. Even without a loan, it’s a smart way to protect your investment.
How much coverage should I carry?
We recommend enough dwelling coverage to rebuild your home at today’s construction costs—not just what you paid for it.
Does home insurance cover everything inside my home?
It covers most personal property, but high-value items like jewelry or collectibles may need additional coverage.
Can I save money on my policy?
Yes—by bundling with auto insurance, maintaining a claims-free record, and installing protective devices like smoke alarms or security systems.
Get Your Home Insurance Quote Today
Your home deserves more than a basic policy. Let’s build coverage that matches your home, your lifestyle, and your budget.