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. 

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  • Car Insurance

    A common mistake made by insurance shoppers is assuming coverage is identical between insurance companies.

    You might have the same limits of liability and deductibles with two different insurance companies, yet the claims results can be completely different.

    That's why it's important to work with our insurance team. We will help you put together an insurance plan to meet your individual needs.

    Call us today at 215-646-5633 or use our convenient online rate quote system when you click on instant quotes for car or home insurance!

  • Home Insurance

    Do you know the difference between the HO3 and HO5 Policy Form?

    The difference in coverage between the two policy forms might mean the difference between a claim being covered or denied on your personal property!

    The HO5 is a superior policy yet the majority of home insurance policies sold today is the HO3!

    Call us today at 215-646-5633 or use our convenient online rate quote system when you click on instant quotes for home insurance to learn why the HO5 is better!!

  • Business Insurance

    There are a variety of different types of business insurance policies available for companies.

    From General Liability, Business Property Coverage, Commercial Auto, Workers Compensation Insurance, Employers Liability Insurance, Professional Liability Insurance, Commercial Crime Coverage, Inland Marine Coverage, Cyber Liability Insurance, and many more.

    We at Humphries Insurance can help you choose the coverage most appropriate for your company.

    Call us today at 215-646-5633.