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Home Insurance

Pittsburgh’s Best Home Insurance Policies

Purchasing homeowners insurance is not only critical for protecting your home and personal property against any potential liability; if you have a mortgage, your lender will require it.

Pinnacle Group will walk you through every step of the process to make sure you have the coverage you need. And, unlike online only insurance providers, we know and live in this area so Pinnacle truly understands the home insurance needs of Pittsburgh and the surrounding area.

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Home Insurance

Home Insurance

What’s Covered by Homeowners Insurance?

A homeowners insurance policy is a package of coverages, including:


  • Dwelling

    • Covers damages to your house and any attached structures, including fixtures such as plumbing, electrical and HVAC systems.

  • Other Structures

    • Pays for damage to unattached structures, including a detached garage, tool shed, fence, etc.

  • Personal Property

    • Covers personal possessions such as appliances, furniture, electronics, clothes, etc.

  • Loss of Use

    • Reimburses for additional living expenses while you are unable to live in your home.

  • Personal Liability

    • Pays claims if you are found liable for injuries or damages to another party.

  • Medical Payments

    • Pays the medical bills incurred by people who are hurt on your property or by your pets.

Home Insurance

What isn’t covered by my homeowners insurance?

Remember, the coverages listed above pertain only to losses caused by a peril covered by your policy. For instance, if your policy doesn’t cover earthquake damage, then losses will not be reimbursed.

Home Insurance

What factors impact my homeowners insurance premiums?

There are several factors that can impact your premium, including age and condition of the home and roof, location, fire safeguards, home security systems, amount of coverage, deductible amount, claims, your credit score and more. Pinnacle Group can help you find the right homeowners insurance to fit your budget.

Home Insurance

Renters Insurance

Renters sometimes overlook the need for insurance because they believe they may not have a significant amount of personal possessions, or because the property is already insured by the owner.

While it is true that a rental property is insured by the owner, the destruction or loss of your personal belongings is not. Pinnacle Group can find the right Renters Insurance, which should cover:


  • Your possessions against losses arising from fire, smoke, lightning, theft, vandalism, explosion, wind storm, and water damage (excluding floods).

  • Damages and costs in the event that visitors are injured in your apartment or elsewhere by you, your pet, or a family member living with you. This includes any legal defense expenses if you are taken to court.

  • Additional living expenses should you be unable to live in your apartment due to a covered peril, such as fire, though the policy may set limits on how much you will be reimbursed.

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