Coverage for Home Insurance in Collegeville PA, Limerick PA, Royersford PA, Skippack PA, Phoenixville PA and Surrounding Communities

Know what you have before a loss occurs

Far too many people don’t discover that the homeowners insurance they have isn’t everything they need until AFTER a loss occurs. Many people assume that having a policy in place is the only requirement to ensure that their property is replaced following a loss. Unfortunately, that’s simply not the case. Homeowners policies usually have specific limits on certain personal possessions, such as jewelry, art, and other specialty items. Your Kelly Insurance agent will help you make sure you have the coverage that matches your lifestyle so you’ll never have to worry.

Something Renters & Condo Owners MUST Know

Facts that could save you thousands of dollars

If you rent a house or apartment, or if you own a condo, your landlord and/or condo association does not insure your personal belongings. While the physical property itself may be covered by their property insurance, your possessions are not. In order for someone to secure insurance, they must first have an insurable interest. Simply put, if you don’t own it you can’t insure it. Renters and condo owners have mistakenly assumed the property insurance carried by the actual property owner (landlord) covers the contents of the apartment or condo, only to find out after a loss that this isn’t true. Kelly Insurance can deliver the protection you need in the event of a covered loss. Ask one of our professionals for more details.