Homeowners Insurance Blue Bell Pa

Home Insurance PhiladelphiaCall 215-646-5633 when you are searching for car, business, life or homeowners insurance in Blue Bell Pa or one of the surrounding areas of Philadelphia. 

Online quotes are also available when you click: Homeowners Insurance Blue Bell or Erie Insurance Blue Bell Pa when you would like quotes from Erie Insurance for car, home, or business insurance. 

When Shopping for Insurance in Blue Bell Don’t Assume Coverage Is Identical Between Companies! 

In a previous article we discussed a claims experience that went badly for Grace and Mike Zimmer. Click here to read the last article. 

In summary a power surge occurred in the Zimmer’s home destroying around $5,000 worth of personal property including a surround sound system, an LED 60 inch television, 2 computers, and an iPad. 

Unfortunately this claim was denied by their insurance company. 

We will now discuss why the claim was denied and show you how to avoid a similar claim denial if your personal electronics are damaged or destroyed by a power surge. 

When Are Personal Electronics Not Covered By A Power Surge?

This is a continuation of Mike’s discussion with the claims adjuster who denied his claim for a power surge: 

‘Can you show me where this is denied in my policy?’ The insurance claims adjuster emails a copy of Mike’s policy highlighting the section where power surge does not cover damage to personal electronics. 

Mike is naturally outraged that he did not know about this and decides to double check his old policy but he could not see this exclusion in his former policy. 

He calls his previous agent and asks if power surge would be covered by his previous policy. 

Mike’s former agent looks up the information and explains that personal electronics destroyed by power surge would be covered

Mike then tells his former agent about the claim denial for his personal property and his previous agent commiserate with Mike but states that it’s likely his new policy is probably the HO3 policy form which typically does not cover damage to personal electronics from a power surge. 

What Can We Learn From This Account?

While it’s true that Grace and Mike Zimmer saved $175 switching to a new homeowners insurance policy that decision ended up costing them $4000! 

In our next article we will more closely examine 2 different homeowner policy forms you can purchase when shopping for homeowners insurance in Blue Bell Pennsylvania and the surrounding areas. 

The HO3 which Mike and Grace Zimmer were covered by when the power surge occurred and the HO5 which is the policy they had with their former agent. 

Choose Your Blue Bell Homeowners Insurance Policies Carefully! 

Call Humphries Insurance at 215-646-5633 when looking for homeowners insurance in Blue Bell Pa, or use our online quote system! 

Click Blue Bell Home Insurance for car and home insurance quotes from leading insurers or Erie insurance Blue Bell Pa when you want to see quotes from Erie Insurance for car, home, or business insurance. 

Need insurance in other areas?   We serve the insurance needs of the greater Philadelphia area. 

  • Homeowners Insurance Norristown
  • Homeowners Insurance Blue Bell Pa
  • Home Insurance Plymouth Pennsylvania
  • Home Insurance Conshohocken
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Philadelphia Homeowners Insurance

Searching for a Better Deal on Philadelphia Homeowners Insurance? 

Philadelphia Homeowners InsuranceCall the licensed agents of Humphries Insurance at 215-646-5633 or use our online rate quote system by clicking on Philadelphia Homeowners Insurance for an instant rate quote from top rated companies offering home insurance in Philadelphia and the surrounding areas. 

Would you like a quote directly with Erie Insurance? Click Erie Home Insurance Philadelphia Pa and in five minutes or less you’ll have quotes from this leading insurance company. 

When Shopping for Philadelphia Homeowners Insurance Double Check Your Coverage! 

In our previous article we discussed the experience of Grace and Mike Zimmer. Click here to read their claims experience. 

They had been insured with the same homeowner’s insurance company for over 10 years and because of a number of rate increases they wanted to shop around to find better rates on home insurance in Philadelphia. 

They purchase a new home insurance policy from an agent we will call Fast Fingers Eddie who opened up a new office down the street from Mike’s office. 

Unfortunately a few months later a power surge causes a significant amount of damage to their home and personal property and they filed an insurance claim with their new insurance company. 

Seven days later Mike and Grace receive a check in the mail for $4000. Confused and a little angry they call Fast Fingers Eddie because they were expecting a check for $9000 out of the $10,000 claim. (Their deductible was $1000) 

Fast Fingers Eddie promises he would check into the discrepancy for them and about two hours later a claims adjuster named Stanley called Mike to give him bad news. 

Stanley explains to Mike that his personal property which includes his surround sound system, 3-D LED 60 inch television, 2 computers, and an iPad that was plugged into the charger when the power surge occurred would not be covered because of a specific exclusion in his homeowner’s insurance policy. 

In our next article we will explore this exclusion in more detail so you can learn how to avoid a situation similar to what Mike and Grace went through. 

Because of the complexities of Insurance it’s best to work with an agency with many years of experience helping policyholders obtain the necessary coverage. 

Work with Humphries Insurance When You Need Philadelphia Homeowners Insurance! 

It’s almost impossible to compare policies strictly by the price you pay as was true for Mike and Grace Zimmer.  While it’s true this is a fictional story the claims results would be accurate if they occurred exactly as specified in this account! 

Call and speak with the licensed agents of Humphries Insurance at 215 646-5633 and we will take time to evaluate your needs for homeowners insurance in Philadelphia and the surrounding areas! 

Feel free to use our online rate quote system by clicking Homeowners Insurance Philadelphia or for specific quotes from Erie insurance click on Erie Home Insurance Philadelphia Pa. 

We offer insurance in the additional communities of greater Philadelphia: 

  • Wayne Pennsylvania Home Insurance
  • Southampton Pennsylvania homeowners insurance
  • Erie home insurance Horsham Pa
  • Erie home insurance King of Prussia Pa

Home Insurance Philadelphia

Great Rates on Home Insurance in Philadelphia Are One Call or Click Away! 

Home Insurance PhiladelphiaIf you’re looking for great options on car or homeowners insurance in Philadelphia Pennsylvania or the surrounding areas you have found the right company! 

Call Humphries Insurance at 215-646-5633 or use our convenient online rate quote system available 24 hours day when you click on Home Insurance Philadelphia

Click this link: Erie Home Insurance in Philadelphia to receive online homeowners insurance quotes from Erie Insurance. 

One Important Step You Should Take When Shopping for Philadelphia Home Insurance.

It’s vitally important to check your coverage before changing to a new insurance company.

It’s very difficult to accurately compare a Philadelphia homeowners insurance policy simply by the price you pay for your coverage.

Why?

The reason is based on the fact that not all homeowner’s insurance policies are identical.

For instance you can have the same limits of liability, the same property coverage on your home, and yet the claim results can turn a completely different!

Note the Following Claims Example:

Grace and Mike Zimmer have been insured with the same Philadelphia homeowners insurance company for over 10 years and it seems as if every year the insurance rates go up.

Mike decides to find lower cost coverage with another company and he discusses his need for lower rates with a new agent named Fast Fingers Eddie who just so happened to open up a new insurance office down the street from where Mike works.

Fast fingers Eddie quickly types up a new insurance proposal saving Mike and Grace $175 per year on their Philadelphia homeowners insurance.

Mike discusses the quotes with his wife later that evening and Grace asks Mike if Fast Fingers Eddie matched up all of their coverage.

‘I believe so the coverage looks the same on the quote.’ Mike replies.

Mike purchases a policy from Fast Fingers Eddie and calls his former agent to cancel his existing policy and happily pockets his $175 savings.

About three months later Mike is surfing the web on the computer and shows his wife a funny YouTube video when a loud boom shakes their home and all the power goes off.

Mike calls an electrician who comes out first thing in the morning and advises them that they had a power surge and that they should turn this claim into their insurance company for the damages.

Mike immediately calls fast fingers Eddie to turn a claim in and a claims adjuster stops out the next day to assess the damage.

Evidently the power surge caused some extensive damage requiring a new circuit breaker and some rewiring, the motors for the garage door openers were destroyed is estimated to run about $5000, plus an additional $5000 worth of personal electronics including a surround sound system, a 3-D LED 60 inch television that was just purchased two months before, 2 computers, and a iPad that was plugged into the charger when the power surge occurred.

Seven days later Mike and Grace receive a check in the mail for $4000.  Confused and a little angry they call their agent because they are expecting a check for $9000. (Their deductible was $1000)

In our next article we will discuss why their claim settlement was off by $5000!

Home Insurance in Philadelphia Is a Bit More Complicated Than the Price We Pay! 

As was mentioned in the beginning of this article it’s important to check your coverage before switching to a new insurance company.

Choosing the wrong coverage options can leave you footing a large portion of the bill when you are searching for better options on homeowners insurance in Philadelphia.

Call Us When You Need Homeowners Insurance in Philadelphia.

Humphries insurance is a leading independent insurance agency in Philadelphia and we can help you choose coverage suitable for your needs.

Call us at 215-646-5633 or use our online rate quote system by clicking on homeowners insurance Philadelphia Pa.

Rate for house insurance from Erie Insurance are available by clicking this link: Philadelphia Erie Home Insurance.

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