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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!

The past several weeks have certainly tested us all. 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! 

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.