Grove Financial & Associates, Inc

350 S Sporting Hill Rd
Mechanicsburg, PA 17050

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Things home insurance won’t cover that may surprise you

Owning a home comes with many challenges and surprises. One of them could be the things your home insurance doesn’t cover. Nothing is worse than having an issue and finding out your policy will not cover it. At Grove Financial & Associates Inc. in Mechanicsburg, PA, we try to ensure our customers don’t get any unpleasant surprises from their home insurance. 


Flooding is one of the most destructive natural disasters, and it is not covered by home insurance. Even one inch of water in a home can cause thousands of dollars of damage. The good news is that if you live in an area where flooding is possible, you can get dedicated flood insurance through the NFIP.  

Wear and tear

Things wear out, and that is to be expected. But, your home insurance does not cover natural aging out of products. If your roof is 20 years old, home insurance won’t pay for a new one unless it gets damaged by a storm or high wind. 

Sewer backup

Sewer backup is disgusting, and if that isn’t bad enough, your home insurance won’t pay for the clean out of the pipes and the cleanup. You can, however, add a rider to your policy. 


Pests include quite a few different pests. They can be termites, carpenter ants, mice, or bats. No matter what type of pests you have, it is up to you to treat your home so that you don’t end up with an infestation. So, if you live in an area prone to termites, getting treatment is on you before you have issues. 

When you are ready to discuss home insurance, call our Grove Financial & Associates Inc. team in Mechanicsburg, PA, to discuss your needs. 

The Importance of Maintaining Your Concrete Driveways and Sidewalks

Being a homeowner is not always easy. You are responsible for caring for and maintaining your property. One of the surfaces that is important to maintain but is often overlooked is your concrete surfaces, including concrete driveways, patios, and sidewalks.

Here at Grove Financial & Associates Inc, providing home insurance to residents in the greater Mechanicsburg, PA area,  we want to help homeowners learn why maintaining their homes is so important.

The Importance of Maintaining Your Concrete Driveways and Sidewalks

Maintaining your concrete driveways, sidewalks, and patios is important for two different reasons. Properly caring for your concrete surfaces helps to extend their lifespan, helping them to look their best and last as long as they are designed to last.

Secondly, maintaining your concrete surfaces can help to keep them safe. Concrete surfaces that are not maintained can start to crack, lift, or can develop algae or moss growth on them. All of these are trip and fall or slip and fall hazards. 

How to Maintain Your Concrete Surfaces

One of the best ways to maintain your concrete surfaces is to have them powerwashed every six months. This helps to remove residue and build-up that can make your surfaces slippery. Inspecting your concrete surfaces, especially after the cold winter months, is also important. If you notice cracks or your concrete surface is becoming unlevel, have the damage fixed as soon as possible. 

Reach Out To Us

Maintaining the concrete surfaces around your home helps those surfaces to last and helps to prevent injury to you, your family, or others visiting your property. If an accident does happen, having the right homeowners insurance is important to protect you from legal liability. Here at Grove Financial & Associates Inc, serving the greater Mechanicsburg, PA region, we can help you find the right home insurance policy for your needs. Reach out to us today to start the process. 

Important Home Insurance Facts To Consider

Grove Financial & Associates Inc. is happy to assist the Mechanicsburg, PA community. We strive to help our clients find the coverage they need to protect their assets. We offer different types of coverage to ensure that our clients are protected regardless of what life brings their way. We work with multiple carriers throughout the region.

Important Home Insurance Facts To Consider  

Your Mechanicsburg, PA residence is one of your most prized possessions. You’ve likely invested a lot of time and energy into owning a home. Home insurance allows you to protect your foundation. The policy covers the interior and exterior structure of your home. In most cases, detached structures on your property, such as your garage or shed, are also covered in the event of damage. This gives you peace of mind if severe weather damages your roof or an accidental fire damages your carpet or flooring. If you plan to invite guests over, liability coverage protects you if someone gets injured on your property. You are also covered if you accidentally damage your neighbor’s property. Liability coverage protects you if your pet accidentally causes damage as well. All of your possessions inside your home are covered if stolen or damaged. Consider taking an inventory at least once a year.

If you plan to remodel your home at some point, look over your policy. The project may not be covered under your current terms. You can alter your policy to cover the new accessories and amenities if something happens to them. If your home is totaled, alternative living coverage is a good option. This type of coverage helps you find another place to stay temporarily until your home is repaired.

Grove Financial & Associates Inc Will Help You Protect Your Assets

Contact our office to learn more information about home insurance.

Is home insurance in Mechanicsburg a necessity?

If you are a resident of the Mechanicsburg, PA area, you will likely find that this part of the state is a great area to own a home. Anyone that would like to buy a home here could benefit greatly in the long run. However, to ensure that your proper investment goes well, you will need to have proper insurance for it. There are a few reasons why having a full home insurance plan is necessary for property owners here.

Insurance Gives Important Forms of Coverage

The primary reason people here need to get a full home insurance plan is to give them valuable coverage. If you are going to buy a property, it will be a major purchase that will need to be protected. When you get a home insurance plan, it will provide the coverage needed to repair or even replace your home if it is badly damaged due to a fire, vandalism, or other situation that causes a loss. 

Insurance is a Requirement

You should also obtain a home insurance plan here because it could be a necessity for you. Anyone who would like to take out a mortgage in this area of the state needs to ensure that they abide by their lender’s requirements regarding home insurance. Usually, the lender will ask to verify and approve your insurance plan and even escrow your payment each month. 

If you decide to buy a home and you are in the Mechanicsburg, PA area, it will be beneficial for you to call the team with Grove Financial & Associates Inc. Those that are in this area will find Grove Financial & Associates Inc can help them choose a quality insurance plan. This will ensure you are properly covered and protected at all times. 

How do home insurance claims work In Pennsylvania?

If you live in Mechanicsburg, PA, you probably know the importance of having a home insurance policy. Home insurance can help cover your home from natural disasters, theft, and accidental damages. While no one wishes ever to make a home insurance claim, it happens at times, and after a catastrophe, all you want is to get back on your feet as fast as possible. Grove Financial & Associates, Inc. wants that too. 

What factors determine your home insurance rate and claim?

  • The age of the house
  • The location
  • Type of construction
  • Replacement cost
  • Coverage
  • Home-based business
  • Swimming pool

What to do 

In the event of an accident, whether it is fire or burglary, the first thing to do is to notify your insurance provider. If you were not at home, don’t enter until you have been permitted to by your insurer. If there is something you can do to save the situation, do so, and keep a record. You will also need to note down the damaged items as you wait for the insurance company agents to arrive.

Your insurance provider should send an agent to inspect the house immediately and record the damages. If your home is not too damaged, he or she may recommend replacements and repairs. You can choose whether to do it yourself or have the insurance company handle it. It is worth sourcing your receipts for valuable items, especially if they were damaged by fire. Receipts act as proof that you owned specific items.

Knowing what to do in the event of destruction is the first step into a fast and successful home insurance claim. At Grove Financial & Associates, Inc., we understand that your home is the most critical asset. Therefore, we can help you protect it at all costs. Feel free to visit us in Mechanicsburg, PA today!

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