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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!

Our Agency is taking proactive steps to help protect the health and well-being of our employees, clients and industry partners alike.  Effective immediately we will be closing the office completely until such time that allows us to reopen. We have always invested in technology that allows us to operate outside of a traditional office setting which will allow us to continue to serve all clients needs while keeping our employees safe during this health pandemic.  We will be checking our voicemails remotely throughout the day so feel free to leave a message.  We also have access to both our email as well as our cell phones during this difficult time. We will get back to you as soon as we can if we do not answer right away.  

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.  Simply logon 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.