Homeowners InsuranceProtection for your peace of mind

Your home is more than an investment. It’s your safe haven, where family and friends gather. Where memories are made. And where you keep virtually everything you own.

POM Homeowners Insurance policies are designed to protect your home and preserve your peace of mind…with robust coverage offerings to meet your needs, streamlined processes so you can confidently find a policy quickly and easily, and innovations like POM HomeAssist to enhance your feeling of security.

What can you expect from POM?

Safety Comes First

Our number one goal is your safety, always. That begins with protection and prevention. We partner with high-tech innovators to promote Smart Home technology that can help prevent costly claims…and help you save as much as 15%.

Learn more about POM HomeAssist powered by vipHomeLink

 – a free app and service for safeguarding your most valuable asset.

Open Peril, Explained

There’s nothing perilous about Open Peril. Where some carriers only tell you what they will cover, we’re committing to cover all losses unless they’re specifically excluded.

Out with the Old, In with the New

In accordance with your policy, when your property is damaged, we cover the cost to replace your old property with new property, without depreciation.

Peace of mind, and discounts too

With a POM homeowners insurance policy, you could be eligible for money-saving discounts for a wide range of things including:

Protective and smart home devices

Protective and smart home devices

Home safety purchases are always worth discounts.

Customer loyalty

We like to reward our customers early and often.

Customer loyalty
Military and first responders

Military and first responders

We salute you! Available to veterans, active and non-active military members, law enforcement personnel, firefighters and EMTs.

Mature homeowners (age 55+)

Age is just a number—and a way to save.

Mature homeowners (age 55+)
Higher deductibles

Higher deductibles

Another reason to protect your home with POM.


Customized for What You Need

POM offers a wide range of homeowners insurance coverage enhancements that give you the power to pick and choose the protections you need, based on your unique situation.

Available enhancements include:

Valuable possessions

Your policy can cover items such as jewelry, silverware, fine art, money, electronics, credit cards and more.

Identity Theft protection

If your ID is stolen, this provides theft resolution service, credit protection and document recovery.

Home business

The protection you need for your home business, under the same policy that insures your home.

Resident companion

This broadens your homewoners policy to include coverage for your significant other if they are permanently living with you.

Equipment breakdown

This endorsement provides coverage for property and home systems damaged by mechanical or electrical breakdowns.

Water Backup from Sewers / Drain and Sump Pump

When your property is damaged from sewage that is backed up through a sewer or septic system and/or damaged by sub-surface water that overflows from the sump pump well when the sump pump fails, you can be covered.

Extended Coverage for Personal Property.

If it is not specifically excluded in the policy, then it is covered. It’s that simple.

POM, a member of the Franklin Mutual Insurance Group, offers homeowners insurance policies in Pennsylvania.

How Can We Help?