What Kind of Insurance Do You Need in Cambria County, PA?
Insurance is one of those things you hope you never need — but when life happens, you’re grateful it’s there.
If you live in Cambria County, Pennsylvania, it’s easy to feel overwhelmed by all the policy options out there. What’s required? What’s just smart to have? What’s a waste of money?
This guide breaks down the types of personal and business insurance coverage every Cambria County resident should consider — from legal must-haves to smart protection that saves you stress (and money) later.
Understanding Pennsylvania Insurance Basics
Required Coverage vs. Smart Protection
In Pennsylvania, only some forms of insurance are legally required — but that doesn’t mean you should go without others. Here’s the difference:
Required: Auto liability, workers’ comp (if you run a business), lender-required homeowners coverage
Recommended: Renters, liability protection, life insurance, and more
Local Laws and What They Really Mean
For example, Pennsylvania requires minimum auto liability, but many drivers in Cambria County choose higher limits to avoid paying out-of-pocket in a serious accident.
4 Types of Insurance Every Cambria County Resident Should Consider
1. Auto Insurance
If you drive in Pennsylvania, you need at least:
$15,000 per person/$30,000 per accident for bodily injury
$5,000 property damage liability
But local agents often recommend higher limits and add-ons like comprehensive, collision, and uninsured motorist coverage — especially during winter driving season in Northern Cambria or Ebensburg.
2. Homeowners or Renters Insurance
If you own a home, your lender likely requires homeowners insurance. But renters? Many skip coverage — and regret it.
A renters policy protects:
Personal belongings
Temporary housing (if damage displaces you)
Liability for injuries in your rental
Ask for a quick policy review.
3. Personal Liability Protection
An umbrella policy or personal liability coverage can protect your assets in case of:
Lawsuits
Injuries on your property
Serious accidents where you’re found at fault
This is a smart move for families, pet owners, and anyone with significant assets to protect.
4. Life or Income Replacement Coverage
It’s not just about death benefits. Life insurance can:
Replace lost income
Cover funeral costs
Support your family’s financial future
You don’t need to be “old” to need life insurance — and the younger you are, the lower your premiums usually are.
What About Business Insurance in Cambria County?
Whether you run a home-based business in Carrolltown or a storefront in Ebensburg, protecting your operations matters.
Coverage for Owners, Freelancers, and Contractors
Even small businesses may need:
A Business Owners Policy (BOP)
Property and equipment coverage
Loss of income protection after events like fire or storms
Professional Liability and Operations Protection
If you offer advice, services, or operate vehicles for work, you may also need:
Errors & Omissions Insurance
Commercial auto
Workers’ compensation if you have employees
Locally trusted. Community focused. Serving Cambria County and beyond.
Get the Coverage You Need — and Skip What You Don’t
We get it — no one wants to pay for insurance they don’t need. But getting the right mix of personal and business coverage can save you thousands in the long run.
At Ebensburg Insurance, our local agents work with you one-on-one to figure out exactly what kind of insurance you need in Cambria County — and nothing more.
Request a free quote
Or ask for a quick policy review (no pressure, just clarity)
Serving Ebensburg, Bellwood, Carrolltown, Northern Cambria, and beyond.
