Specialty Dwelling

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

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! 

Landlord Protection

As a landlord you have special needs for an insurance policy.  First and foremost you want to make sure to have the home insured properly so that if you do need to file a claim, we can mediate the damage quickly to get your renter back in the home sooner than later.  Not having the home habitable and rented out means no income for you.  Our landlord policies provide for "loss of rents" coverage due to a covered loss.  There is also a small amount of coverage for your own belongings that you may have at the rental unit.  Liability is certainly on every landlord policy and we highly advise you to get an Umbrella policy to be on the safe side. 

There is no necessity on your part but we do advise you up front and on subsequent communications, it is also in your best interest to make certain that the renter carries a renters insurance policy to protect their belongings as well as their own liability.  Having this conversation up front greatly avoids any misinterpretation regarding what is covered for the renter and what is not.  Your landlord policy has zero coverage for the renter whether their belongings or their liability.

Vacant Properties

Have a vacant property and having a hard time finding coverage?  Not a problem, we have a number of carriers designed to offer policies specifically for vacant or unoccupied homes.  If a family member passes on or moves into a retirement community we can help get coverage where a typical homeowners policy will cancel or restrict certain coverage's after a period of time.  Program highlights include but are not limited to:

  • Occupancy - vacant or unoccupied qualify even if under renovation
  • Age of home - all are acceptable
  • Policy terms - 3, 6 or 12-month policies are available. 
  • Value - up to $300,000 insured value are acceptable.

Be sure to call and ask if you have special questions regarding your vacant but some Underwriting highlights include:

  • Electrical - fuses and circuits are acceptable with at least 100amp service.
  • Prior lapse - still may qualify based on certain criteria.
  • Prior losses - multiple minor losses may still qualify for 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.