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610-948-4830     info@ronblackagency.com

Personal Articles Insurance

Providing coverage for your Auto, Home,
Condo, Renters, Landlord, Boat, Cycle, RV
Umbrella, Personal Articles

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! 

Personal Articles Policy

A personal articles policy is a policy that you can purchase to cover any valuable, rare or irreplaceable items that you may own.  Any kind of collectibles or antiques are better covered by this type of policy due to the comprehensive protection that is offered by the policy itself.  Coverage for jewelry and fine arts are on an agreed value as long as you have an appraisal or recent bill of sale.  While a standard homeowners policy may offer some coverage for these items, any claim would be subject to a deductible and would not be insured for an agreed value making this a must have for any jewelry, fine arts, coin/stamp collections, antique silverware or sports memorabilia.  Some policy highlights include but are not limited to:

  • agreed value on jewelry and fine arts
  • no deductible (unless specified)
  • "all-risk" coverage (subject to a few exlcusions)
  • scheduled coverage on individual items (appraisal or bill of sale required)

Eligible Property

While this list is not all inclusive, here are some examples of the more common property that a client could get coverage for.  If you are looking to insure something unique, we do have access to carriers that we can place coverage with so feel free to give us a call.

  • jewelry
  • furs
  • fine arts
  • coin/stamp collections
  • cameras
  • sports memorabilia
  • golfers equipment
  • silverware
  • musical instruments
  • china and crystal
  • gun collections

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.