Homeowners Insurance in PA, NJ & Beyond
Your Home Deserves More Than a Cookie-Cutter Policy
Whether it’s your forever home in Willow Grove, a vacation condo down the Shore, or a rental property you manage from afar, Robbins Insurance helps you protect what you’ve worked hard to build. We don’t sell pre-packaged policies—we help you find the right fit with expert advice and real choice.
Who We Help
Primary Homeowners
Urban, suburban, or rural
Coastal Property Owners
Beach houses, condos, and seasonal homes
Landlords & Rental Property Investors
One unit or multiple
New Homebuyers
First-time buyers and recent movers
Second Homeowners
Especially across PA, NJ, DE, and MD
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Coastal Properties Require Extra Care—We’ve Got It
Insuring a home within 2 miles of the coast? Robbins works with specialty carriers that understand the risk and don’t back out at renewal. We’ll help you navigate windstorm coverage, hurricane deductibles, and elevation certificates without the runaround.
FAQs We Get All the Time
Can I insure a second home I only use seasonally?
Do I need flood insurance if my mortgage doesn’t require it?
Can I cover a short-term rental on Airbnb or VRBO?
Homeowners Insurance FAQs
Q: What’s not covered under standard home insurance?
A: Standard policies usually exclude floods, earthquakes, and wear-and-tear. We’ll help you identify gaps and add the right riders to fully protect your home.
Q: Do I need extra insurance for a shore house or vacation rental?
A: Yes. Shore properties often require specialized coverage due to flood risk or seasonal rentals. We work with coastal carriers that understand these unique needs.
Q: How much dwelling coverage do I need?
A: We calculate based on replacement cost—not market value—so you’re covered for a full rebuild in today’s construction economy.
Q: Is homeowners insurance required for mortgage approval?
A: Yes. Nearly every lender requires proof of homeowners insurance before closing. We can issue same-day binders to streamline the process.
