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610-948-4830     info@ronblackagency.com

Home Insurance

Our carriers provide the latest tools
to help us insure your home for it's Replacement
Cost should you need to file a claim.

Updated Office Hours!

As we continue to monitor ongoing developments related to the coronavirus (COVID-19), please know that nothing will compromise our commitment to take care of our employees as well as our clients and the things you trust us to insure.
 

Our Agency has been in business since 1922 and we remain committed to being in business well past our current normal provides us all with a future normal. As an "essential business" under Governor Wolf's ruling, we have strategically staggered the times that we go into the office to check the mail and anything else that is needed. The lobby is currently closed but we are certainly available to communicate by phone, email and/or video chat if you like. Just reach out to either of us and we'll make arrangements that best suit your needs.


Please be assured that you always have the ability to access all of your policy information via the carriers that we have you insured with at any time by simply logging on at the carriers site or their mobile app.  Each app is a free download from your own app store if you don't have it already.  In both you have full access to your policy information including ID cards and billing.  Any bills can be paid in either the sites or their respective apps or by calling us or the carrier directly.  We realize that this may be an inconvenience for some and hope this is a short-lived response to our current healthcare situation as we do enjoy when all clients and partners come into the office.  Thank you for your consideration and please stay healthy! 

Your home is distinct to you - your coverage should be too.

Your home and lifestyle are very important to you and you want to protect them the best way you can. Should you suffer a loss, you want to be certain that you have Replacement Cost coverage not only on the home but your personal belongings as well. As an Independent Agency, we have the ability to shop a homeowners policy with more than just one company. This relationship allows us to better protect each individual insured by tailoring a policy that best suits their needs at the most competitive price in the market. 

A typical homeowners policy will have the following coverages:

  • Dwelling - the home itself
  • Other Structures - detached garages, sheds, pools
  • Personal Property - your belongings inside the home, garage or outbuildings
  • Loss of Use - alternative living expenses if you cannot reside in your home after a loss

Additional endorsements that may be added to any home policy include but are not limited to are:

  • Backup of sewers and drains (sump pump failure or overwhelming)
  • ID Fraud (expenses related to an identity theft)
  • Personal Injury (coverage for libel, slander and invasion of privacy)
  • Permitted Incidental Occupancy's (home office and studio's)
  • Decreasing deductible
  • Underground utility line coverage
  • Refrigerated property
  • Equipment breakdown


Discounts

In addition to an account discount for having an auto and a homeowners policy with one carrier, you could also qualify for an advanced quote discount, association discount, green home discountloss free and protective devices.

Our Communities

Since 1922, we have proudly insured and protected the families and business's of Royersford, Limerick, Spring City, Phoenixville, Collegeville, Schwenksville, Pottstown, Skippack, Harleysville, Souderton, Lansdale, North Wales, Chalfont, New Britain, Norristown, King of Prussia, Blue Bell and our surrounding communities.