With the right home insurance strategy from Rueter Insurance in place, you can accomplish three primary goals. First, you’ll give your home the comprehensive insurance protection it needs to save you from paying significant fees out of pocket. Second, you’ll be getting this protection at a price that works with your budget, including the monthly premiums and a deductible that suits your needs. Finally, you’ll minimize the risk factors in your home that lead to common home insurance claims, like water damage or fires.


One of Joe Rueter’s clients referred me to him,” says Andrew Horn of Narberth, PA. “Believe me, it was a different experience. He asked lots of questions, surveyed our home and vehicles, and analyzed our existing policies. His proposal was impressive. He spotted gaps in our coverage and places where we were underinsured. To top it off, he found discounts we didn’t know existed. We were so pleased to get better coverage with a lower premium.

Andrew Horn

Bensalem, PA

Essential Coverages

Your home insurance policy should cover some basic components, while also giving you the option to add on additional coverage that might benefit you.

These are five types of home insurance coverage your policy should give you. We’ll work with you to determine appropriate coverage limits for your situation, as well as additional coverage you might qualify for.

  • Dwelling Coverage
  • Other Structures Coverage
  • Personal Property Insurance
  • Personal Liability Coverage
  • Additional Living Expenses


Critical Issues

Home insurance policies are built to protect homeowners from a variety of costly claims associated with owning and living in a home. Just a few of the critical issues your coverage can protect you from include:

  • Structural damage from fire, smoke, storms, winds, and more
  • Medical and legal bills if someone is injured on your property or by someone who lives in your home
  • Coverage for other structures on your property like standalone garages, sheds, and gazebos
  • Financial protection to help cover the costs of stolen or damaged personal property, including jewelry, antiques, and furniture
  • Loss of use coverage and additional living expenses to assist you if you’re temporarily displaced from your home


Questions Other Agents May Fail to Ask

When clients come to us from other companies, we often learn that other agents have failed to ask some important questions. If these questions aren’t asked, you risk not having the right kind of policy, coverage, or limits for your situation.

  • What is the rebuild cost of your home?
  • Are you eligible for discounts for things like having an alarm system installed or any storm-proofing measures you’ve taken?
  • Do you have additional items that might need the protection offered by scheduled property insurance?
  • How many other structures are on your property?
  • How can you minimize insurance risks in your home to lower your premiums and help avoid common home insurance claims?