Great Facts About The Keystone State
Pennsylvania is a low-key state with a great history.
Many people think of Pennsylvania and their mind wanders to the Amish community or The Liberty Bell.
But there is so much more that this wonderful state has to offer.
Not only is it in a great location, close to New York City and yet full of vast countryside, this state sometimes contradicts itself.
From farm life that dates back ages, to modern conveniences.
From a strong Philadelphia tourist environment, to a subtle and sweet ranching community.
In the greatness of the Appalachian Mountains to the Rivers that flow north, Pennsylvania is just different.
But different is good when you take a closer look.
With two exceptional professional football teams, to an amazing history lesson, Pennsylvania can teach you so much about living.
Even though living here in times can seem far and away, the city life can renew you.
Letting Pennsylvania take you away from the rest of the world is one of the best feelings one can experience.
Some come here to attend college. Others move out of the way and commute to work in The Big Apple.
Either way, there is something that keeps people coming to PA and you will soon find out why.
There is nothing more important to a family than livability.
Livability means many things.
It means that you can first and foremost afford to live in the place.
It means that you enjoy your time in that place.
And it can mean that there is a natural flow for your family and yourself fit into that place.
You can live near a stream in the woods, or on a high-rise in the big city.
But in Pennsylvania, you will be exactly where you should be.
There is something for everyone, and that is livability.
Maybe you are looking to purchase your first home and want cheap homeowners insurance in Pennsylvania.
Maybe you need to get out of the city and live simpler than the life you have been.
This states welcomes all. Built off of steel and industry, there is much history to learn.
But probably the best thing about Pennsylvania is the wilderness that still exists here.
For being a small state geographically, it holds many wonders.
Let’s take a look at what exactly makes Pennsylvania livable.
The housing market here is still quite friendly.
Of course there are some places where you will end up paying more for less.
This is true with any state.
But for the most part, living here and purchasing a home is simple and cheap.
Getting the best cheap homeowners insurance Pennsylvania residents need is simple as well and goes hand in hand with homeownership.
The best parts about this state are what some call “too simplistic”.
But many people love living this way.
I mean, after all Pennsylvania is the Amish capitol of the world.
They have decided to keep it simple and live off of the land. Which, in PA, you can actually do!
Let’s see how far your money can take you in the Keystone State.
Here are the most affordable places to purchase a home in Pennsylvania:
- Lebanon, Pennsylvania has a staggering low housing market. A smaller town with antique stores and a rural feel, you can purchase a home for less than 100 thousand dollars. Yes, thats right! You can be a homeowners for the price of a boat, or a luxury sedan. What can you get for this amount. The average home price for this town is around 150 thousand dollars. Now you aren’t going to be making hundreds of thousands of dollars a year living here either. But for those looking to settle down or who work for themselves, you can really find Lebanon quite livable.
- Allentown, PA is the third largest town. Therefore you get a little bit of everything here. You can have the city life as well as a laid back atmosphere. Not only is Allentown a thriving community today, it has kept it’s low cost of housing. You can purchase a home here for as little as 138 thousand dollars. The average cost of a home is about 250 thousand dollars. For this price you can have a sense of community, good schools and that openness you look for when moving to Pennsylvania.
Here are the overall best places to live in Pennsylvania:
When you want a great nightlife, art, music, industry and affordability, there are towns in PA for you.
Maybe you are looking for a place where you can easily ride your motorcycle around long stretches of road.
Perhaps, you want to be able to live in a city without a car.
Where can these places be found?
Well, right here in Pennsylvania.
Let’s take a close look at Philadelphia and why people choose to live here.
Philadelphia, PA is a place of history and glory.
Philadelphia is the largest city in the state of Pennsylvania and the sixth largest in the United States.
The cities surrounding Philly which make up the statistical area make up around 6 million people.
This means that this great city is the host to a very large population.
You will most likely love Philadelphia if you love history, culture, music and a vibrant city life.
You will need cheap car insurance in Philadelphia, and will want to make sure that a parking spot is secured for you.
The public transportation in this city isn’t as good as some.
But the upside is that Philly is very walkable.
The “City OF Brotherly Love” is just that, a loving city that welcomes all.
You will get a diverse culture and community here.
Along with moderate levels of crime and homeless, which is true for any large city.
You can find a home or apartment for as little as 200 thousand here in the big city.
But most likely you will pay around 300 thousand for something you like.
Just like with any large city, there are good parts and not so great parts of the city.
As far as safety goes, the safest part of Philly is called Chestnut Hill.
This area has significantly lower crime than the rest of the city.
You may end up paying higher rates to live here, but it will be well worth it for your family.
Pittsburgh Is Thriving
You may not want to live in a large city, but honestly, Pittsburgh is one of a kind.
The community of like minded people who simply love living here, makes it a strong link for livability.
A quieter city with only around 300 thousand residents, Pittsburgh gives new meaning to city life.
This city is where the Allegheny, Ohio and Monongahela Rivers meet.
There is a beautiful landscape where water flows and life is abundant.
A city of bridges, waterways and beautiful things, Pittsburgh is surely underrated.
I would say that a busy family or hard working single person will love Pittsburgh.
Why? Because this city has so much to do!
From professional a baseball stadiums, museums and outdoor adventures, Pittsburgh is a very active city.
Even in the winter, when snow is falling all around, there is always something going on here.
Skyscrapers in the center and beautiful brick buildings all around, the views of this town are quite spectacular.
Art, nightlife and accessibility is what you will get living in this mighty city.
You can purchase a home here for around 250 thousand dollars and upgrade to a spectacular brick mansion for up to 800 thousand.
There are of course million dollar properties, but compared to other parts of the United States, your money travels far here.
What Kind Of Insurance Will I Need To Feel Secure Living In Pennsylvania?
This is a great question for anyone seriously thinking about moving here.
Or if you live here already but want to upgrade your home or change cities, you will need to know the basics about insurance.
Why? Because everyone knows that after they write the check for the mortgage or rent, they write the check for insurance.
The insurance industry in the United States is huge! We as Americans love to insure what is ours.
And this is a great idea because we spend so much of our time and money on our homes and cars.
We should protect them as much as possible.
The best part about being an American is the freedom to live and own where we want to.
If Pennsylvania is that place for you, there are some laws you will need to follow.
Homeowners insurance in Pennsylvania is a must!
This isn’t a state law but rather a lender law.
This means that most lender will require you to carry the amount of home insurance for the cost of replacing the value of your home.
Here is what you may need:
- When you purchase a home, home lenders require you to have a minimum amount of coverage in order to protect what they are financing.
- Homeowners insurance is in place in case a disaster such as a fire occurs and your home is destroyed. You will need it insured to pay off the loan on the home and recover damages.
- You have a few different types of coverage: a cash value coverage, a replacement cost coverage and a guaranteed or exceeded cost coverage.
- Not every type of damage is covered by homeowners insurance. Ask your agent if you have something specific you would like covered.
- You can get damages, theft and liability covered in your homeowners policy.
- Damage to your home, including permanent structures on your property—unless your policy specifically excludes the cause of the damage
- Damage to personal property, meaning the items in your home that are not attached to the dwelling, due to causes outlined in your policy
- Liability coverage for legal matters or accidents that occur on your property
- Loss of use, which allows you to maintain your lifestyle at another residence while your home is being repaired without incurring additional costs
- Limited coverage for items such as stolen jewelry—the amount of coverage varies depending upon state of residence, and you always have the option to increase this coverage.
There is more to moving than you might think!
Purchasing a home is a large investment and you will want it well protected when you live in PA.
Driving A Car In The Keystone State
Car insurance is mandatory in Pennsylvania.
Getting the cheap car insurance Pennsylvania residents need to legally drive here is really easy.
There is a minimum amount of car insurance that every driver needs in this great state.
Here are the requirements you will need:
- Bodily Injury Liability Coverage: $15,000 per person, $30,000 per accident.
- Property Damage Liability Coverage: $5,000.
- Uninsured Motorist Coverage: $15,000 per person, $30,000 per accident*
You can also have more than just the minimum coverage.
If you are leasing a car or have a loan out on your vehicle, you will need full coverage.
- Medical coverage for you and your passengers- Medical coverage can make a huge difference for your security and safety.
- Towing and roadside assistance- You may not only need this for a crash, but if you break down. Roadside assistance can save you time and money.
- Rental reimbursement- You could be covered or reimbursed for a rental car when you are involved in a crash.
- Uninsured Motorist coverage- this will make sure that you are still covered even if someone without insurance hits you.
Riding A Motorcycle Through Steel Cities
A motorcycle ride through the forests in PA, or backroads along the river makes for a wonderful day.
But you can really only ride here weather permitting.
Like much of the nation, snow falls in winter and makes for an unsafe road for motorists.
This is why you will need great insurance.
The State of Pennsylvania requires that all motorcycle operators carry minimum liability coverage.
It is very similar to car insurance and the state wants you to be secure when riding a bike.
The State of Pennsylvania minimum requirements are:
- $15,000 bodily injury, $30,000 each accident
- $5,000 property damage.
There are many other options available as well.
Most of the time, the minimum coverage only covers the other party involved.
You will want to be covered for your own medical expenses as well as your own bikes damages.
Full coverage for best livability:
- Collision coverage can help cover costs to you and your own bike.
- Comprehensive coverage will cover theft and other types of damages to your bike.
- Towing and roadside assistance are always a good idea in case you break down. You could be covered or reimbursed for this.
- Uninsured Motorist coverage is a great idea. If you get into an accident with an uninsured rider or driver, your costs will still be covered.
- Safety Apparel- you could get your helmet and other protective gear covered.
- Custom Parts
- Medical Coverage- this is a must when riding a motorcycle
- Towing- very useful for when you break down and are left stranded on the side of the road.
- Uninsured Motorist- when the other party fails to carry insurance, you will still be covered.
- Roadside Assistance- you can use this for emergencies and even flat tires.
What Pennsylvania gives you is an example of great places to live.
Everything from wild country to skyscrapers.
Following the laws here simply means keeping yourself safe and protected.
Living the simple life in a small, rural town, or making it big in the city are all options in Pennsylvania.
Get the life you want now by being able to purchase a home for a reasonable amount.
It isn’t too late to live your best life.
You might as well do it where there are four seasons and a million reasons.