Terra Insurance Services

We speak the language of insurance

At Terra Insurance Services, we offer diverse insurance services across six languages throughout the Philadelphia, PA area.

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Insurance in Philadelphia, PA and throughout Pennsylvania and New Jersey

Including Bucks County, Montgomery County, Delaware County and Chester County

Terra Insurance Services offers personal insurance, business insurance and life insurance.

Personal Insurance

Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

Business Insurance

We'll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

Life Insurance

We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.
Homepage - Happy Family in the Grass

About Terra Insurance Services

Life is filled with unforeseeable events, such as a fender-bender on the way to work or sudden water damage at home. In these situations, it’s important to know that you can rely on your insurance policy to protect you.

As an independent insurance agency located in Philadelphia, Pennsylvania, Terra Insurance Services helps you find insurance solutions tailored to your individual needs. We draw from a vast pool of personal, property and commercial insurance policies. We provide personal, business and life insurance for all of Pennsylvania and New Jersey including Huntingdon Valley, PA, Bucks County, Montgomery County, Delaware County and Chester County.

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Insurance solutions across six languages!

  • English
  • Spanish
  • Albanian
  • French
  • Italian
  • Portuguese

Our Location

Philadelphia, PA Insurance

1879 Cottman Avenue
Philadelphia, PA 19111

Serving all of Pennsylvania and New Jersey including Huntington Valley, Bucks County, Montgomery County, Delaware County and Chester County.

Colleen and her team are amazing, they provide the best service and have best rates around.

Lois K.Philadelphia, PA

I love the customer services representatives- so sweet!! Great agency!

Julia F.Philadelphia, PA

Extremely professional business, with staff that is friendly and detail oriented. I highly recommend Terra Insurance Services and rate the company a 10++++.

Maureen T.Philadelphia, PA

Colleen’s integrity is one of her best assets, she has always displayed a professional attitude. To sum Colleen up... impeccable.

Greg P.U.S. Office of Personnel Management

The best agent I have worked with in the last 25 years. I assure you that when you do business with Colleen, she will be the only agent you will work with.

Michael H.Hammer Group Inc.

Great service! Reasonable insurance.

Suzanne E.Philadelphia, PA

I’m really happy with this company, they save me a lot of time and money, the service is excellent. Thank you!

Claudia B.Philadelphia, PA

Terra Insurance is the best! The staff are so beautiful and friendly! I love walking through their door - it feels like home.

Alexis R.Philadelphia, PA

Great service and rates. The agency is easy to find.

Milena G.Philadelphia, PA

Professional and responsive. Great rates. I highly recommend Terra Insurance. Staff was engaging and friendly.

David A.Philadelphia, PA

Colleen and her staff are the best. Just couldn’t get any better. They are so helpful.

Kathy C.Pennsylvania

The agents located at this branch have always been very pleasant and informative. Since they have been my agent, my wife and I can’t see us dealing with any other company.

Daryl D.Philadelphia, PA

Terra Insurance is marvelous at what they do. Stela was so helpful and hardworking to find me the best rate to fit my needs. Call Terra and ask for Stela - you will be glad you did. I sure am.

Robert J.Philadelphia, PA

I am absolutely satisfied with the service, professionalism and most importantly, the rates. One of the best local insurance agencies you will find.

Doshi P.Pennsylvania
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Terra Insurance Services + Erie Insurance

We offer Erie Insurance coverage at competitive rates.

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There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness InsuranceLife Insurance
Home

Fire

Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.

Solution

Make sure your homeowners policy contains guaranteed replacement cost coverage. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. Also be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Property / Contents - Property Damage

Risk Factor

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.

Solution

Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Additional Living Expense / Loss of Use

Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.

Solution

Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.

Jewelry, Fine Arts, and Collectables

Risk Factor

If your diamond ring disappears or valuable artwork is stolen, your standard homeowners policy may not compensate you for the loss. Homeowners policies include coverage for your belongings and personal property, but some special items like jewelry, furs, silverware, antiques, collectibles, and other valuables have limited or no coverage and need to be insured separately.

Solution

Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance. For most valuable possession categories, there is no deductible applied at time of loss. Valuable possessions insurance can be added to your homeowners policy or may be written as a separate policy.

Medical Expenses

Risk Factor

If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.

Solution

Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

Personal Liability

Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

Solution

Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Miscellaneous Coverage

Risk Factor

The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.

Solution

You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Personal Injury

Risk Factor

Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.

Solution

Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it may not cover rumors or statements that damage a reputation. You need to add an endorsement to your policy to expand coverage to include liability protection that covers personal injury.

Umbrella / Excess Liability Coverage

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Flood Coverage

Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?

Solution

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Secondary Home

Risk Factor

Owning a secondary home has the potential of increasing your liability exposures.

Solution

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Collector Cars

Risk Factor

Collector vehicles often have significant value and require specialized insurance coverage and claims handling.

Solution

Schedule your collectible vehicle on a separate collector car policy. By doing so, you are protecting the vehicle for either the appraised value or market value.

Wine Collection

Risk Factor

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.

Solution

If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Water Backup

Risk Factor

Most homeowners policies exclude coverage for water back-up damages as a result of a clogged drain, sewer, or sump pump.

Solution

Water backup coverage can be added to most insurance policies. Consider adding it so that you have the coverage you need in the event of damages caused by a clogged drain, sewer, sump pump, and related risks.

Off-Premises Theft

Risk Factor

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.

Solution

Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

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As an independent agency, we offer multiple options at competitive prices.