Home Insurance
Home Insurance Tailored to Your Needs
Back in our early days, homes in Sharon were humble – lit by candles and oil lamps, with cast iron stoves in the kitchen and only the wealthiest homes having a bathroom. The insurance we offered then was mostly protection against home and barn fires.
From the simple homes of yesteryear to today’s more luxurious accommodations, Gilbert’s Risk Solutions has been here helping our neighbors protect what for most people is their single most valuable investment: their home. We work with more than 100 premier insurance companies, so we know the best coverage and options for your unique situation.
In Pennsylvania, home insurance covers your home and its contents against losses from fires, vandalism, theft, and storms, along with personal liability if someone is injured on your property. It does not cover floods or earthquakes — flood coverage is available separately through FEMA’s National Flood Insurance Program, while earthquake coverage requires its own separate policy.
While we’re proud to call Pennsylvania our home, we’ve helped individuals all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
Protect Your Home with Gilbert's Risk Solutions
If you have another home living arrangement, you may need a different type of policy:
- Condominium
- Landlord
- Mobile home
- Renters
Our Home Insurance Coverage Enhancements
Standard coverage is just the starting point – these enhancements help close the gaps:
- Flood, Wind, Earthquake
- Home Business
- Identity Fraud
- Other Structures
- Replacement Value
- Umbrella
- Valuables (jewelry, antiques, furs, collections)
Our RISK SHIELD® Process
Insurance alone isn’t enough. Our RISK SHIELD® methodology helps us Consult, Design, Build, and Maintain a complete risk strategy for your fleet – not just a policy.
CONSULT
DESIGN
BUILDING
MAINTAIN
Our Personal Risk Consultant Approach
We have the knowledge and experience to help you weigh the available options to protect your assets and your family. Our personal risk consulting team provides superlative service, advice, and insight. This year, 96% of our personal insurance customers showed their confidence in us with renewals.
Our Approach
Gilbert's Risk Solutions takes a risk management and consultative approach to your needs. We take the time to get to know you, your life situation, and your financial goals, so we can offer the best home insurance solutions for you.
Residential Solutions
Not all home insurance policies and companies are created equal, that's why it can be risky to purchase coverage through an online form alone. Your personal risk consultant can advise you on available discounts, the right deductible level, and options to ensure you're adequately covered.
Personal Consultation
Your personal risk consulting team will help you assess the right options for you and your family from a myriad of choices. Your financial security deserves more than a cookie-cutter approach – just ask any of your 3,000+ neighbors who put their trust in Gilbert's Risk Solutions.
Home Insurance FAQs
Factors include your home's age, construction, location, claims history, and the coverage limits and deductibles you choose.
Standard policies cover your home and belongings against fires, theft, vandalism, and storms, plus personal liability if someone is injured on your property.
Pennsylvania doesn't legally require home insurance, but most mortgage lenders require it as a condition of financing.
It depends on your home's replacement value and the assets you want to protect. Our advisors help assess your specific situation to recommend the right coverage level.
Yes, bundling home and auto coverage with the same carrier often reduces your overall premium.
