How Much Homeowners Insurance Should I Get? (Johnstown, PA)

Just about every homeowner wants to know the ideal amount of coverage on a home insurance policy, and while the simple answer is to say that your policy should cover the market value of your home, this actually might not include everything. So, do not forget that a homeowner’s insurance policy doesn’t just cover your walls and your roof, right? It should also cover your belongings like jewelry or furniture, for example. Now, a good homeowners insurance policy will extend to any smaller buildings that are attached to your home, like a garage, or a guest house, or a tool shed for example. Now when you add all of those things together, it’s pretty funny how everything just adds up super quickly. Much more than the sale value of your home. Now, the best way to make sure that your coverage is adequate is to get an appraisal from an insurance agent that you absolutely trust, and then you can identify the proper coverage without being over insured.

We’d be happy to review your insurance coverage options with you! Give us a call at (814) 255-7145 or visit


Some of
our carriers

Maluchnik Insurance & Financial Services is licensed to conduct business in the state of Pennsylvania, Maryland , and Virginia. The information on this site is a solicitation to conduct business only in the aforementioned states of authority.

© All content on this site is Copyright 2019 by Maluchnik Insurance & Financial Services, unless otherwise noted.

FINRA is a registered trademark of the Financial Industry Regulatory Authority, Inc. Securities and Investment Advisory Services offered through Nationwide Securities, LLC, member FINRA, SIPC, and a Registered investment Advisor. DBA Nationwide Advisory Services, LLC, in AR, CA, FL, IL, TX and WY. representative of Nationwide Life Insurance Company, affiliated companies and other companies.

Products are underwritten by the issuing life insurance company. Insurance products are subject to underwriting guidelines, review and approval. Your connection to is encrypted using a modern cipher suite.