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610-948-4830     info@ronblackagency.com

Umbrella 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! 

Peace of mind

Everyone needs a $1 Million umbrella policy.  You probably need a higher amount of coverage if you have any of the following:

  • Accumulated assets
  • Swimming pool
  • Children
  • Cell phone
  • Swings, skateramps or trampolines
  • Home and/or a secondary home
  • Rental
  • Vehicles
  • Boats
  • Campers/RV's

Your auto and homeowners policies may be adequate to take care of smaller liability judgments but how about a large costly claim?  In this case, you will wish you had an umbrella policy.  An Umbrella policy is an additional amount of liability insurance that will kick in after your underlying auto and home limits have been exhausted.  A multi-vehicle accident that is deemed to be your fault has the potential to cause much more damage than it sounds.  If you are currently carrying $500,000 worth of liability on your auto policy but a Judge awards $1 Million in damages to an injured 3rd party, there is a $500,000 gap in coverage that will have to come from somewhere.  Without this coverage, a families personal assets (cash, savings, investments, personal property, etc.) could be at risk.  An umbrella policy can put a large claim at ease. 

Coverage highlights

  • Coverage limits start at $1 Million and increase in $1M increments
  • Rates start just under $200 per year
  • True Umbrella policies have drop down coverage for anything not covered by the underlying auto or home (as long as not specifically excluded)
  • Worldwide coverage

 

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.