Moving across the Mason-Dixon line involves more than just a new zip code. Pennsylvania’s insurance landscape operates differently than Maryland’s, particularly regarding your “Right to Sue” in auto accidents and unique regional property risks like sinkholes. Use this checklist to ensure your coverage crosses the border safely.
1. The Auto Insurance “Tort” Choice (The Biggest Change)
In Maryland, you have an unrestricted right to seek compensation after an accident. In Pennsylvania, you must choose a “Tort Option.”
- Select Full Tort vs. Limited Tort:
- Full Tort: Maintains your unrestricted right to sue for pain and suffering.
- Limited Tort: Lowers your premium but restricts your legal rights unless the injury is “serious” as defined by law.
- Update Your Medical Benefits (PIP): PA requires a minimum of $5,000 in Medical Benefits. This is a mandatory coverage.
- PA Vehicle Inspection & Registration: You have 20 days after titling your vehicle in PA to get it inspected. Your insurance must be active and PA-specific before you can register the vehicle.
2. Homeowners Insurance: The “Ground” Factor
Maryland’s coastal and suburban risks differ from Pennsylvania’s limestone-heavy geography.
- Add Sinkhole Coverage: If you are moving to Lancaster, York, or the Cumberland Valley, you are in a high-risk area for sinkholes. Standard homeowners policies exclude earth movement. Ask for a specific Sinkhole Endorsement.
- Check for Mine Subsidence: Moving toward Western PA or specific parts of Schuylkill County? You may need Mine Subsidence Insurance (MSI).
- Water Backup/Sump Pump Overflow: With PA’s older infrastructure and basement-heavy homes in Lancaster and Reading, ensure you have a water backup coverage.
Common Questions About Moving Insurance from MD to PA:
- Do I need a new insurance agent when moving from MD to PA? Maybe. Your agent must be licensed in the state where the risk (your home or car) is located. Homesale Insurance is licensed in both PA and MD, making us the ideal “border-crossing” partner.
- Is insurance cheaper in PA or MD? It varies by zip code. While MD often has higher liability costs in metro areas like Baltimore, PA’s “Tort” system and specific regional risks like sinkholes can impact your premium.
Contact one of our Homesale Insurance Advisors today. We are ready to help you with your move from Maryland to Pennsylvania. 800-425-5130. You can also click on the QR code below to get started.
