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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!

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! 

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.