Blake Agency Inc
6031 West Chester Pike, Newtown Square, PA 19073
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Newtown Square households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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6031 West Chester Pike, Newtown Square, PA 19073
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16 Campus Blvd, Ste 125, Newtown Square, PA 19073
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13 Saint Albans Circle, Newtown Square, PA 19073
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3805 West Chester Pike, Suite 200, Newtown Square, PA 19073
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17 Bishop Hollow Rd, Newtown Square, PA 19073
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13 St Albans Cir, Ste C, Newtown Square, PA 19073
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3805 West Chester Pike, Suite 200, Newtown Square, PA 19073
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3805 West Chester Pike, Suite 200, Newtown Square, PA 19073
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Newtown Square residents.
Newtown Square home insurance costs more than PA's average. Learn about rates, the 80/20 rule, historic property coverage, and flood risks near Ridley Creek.
Car InsuranceNewtown Square auto insurance guide: PA's choice no-fault system, minimum 15/30/5 requirements, PIP coverage, and rates for Delaware County commuters.
General Insurance EducationComplete insurance guide for Newtown Square, PA residents. Learn about auto, home, and life insurance needs in Delaware County with local rates and expert tips.
While Pennsylvania averages $1,575-$1,880 annually for home insurance, Newtown Square homeowners typically pay more due to higher property values and proximity to Philadelphia. Homes requiring $500,000+ in dwelling coverage often cost $2,500-$3,000+ annually. Your actual rate depends on your home's value, age, credit score, and coverage limits.
Yes, historic properties with original architectural details often need high-value or specialized homeowners insurance beyond standard HO-3 policies. These policies account for custom replacement costs using period-appropriate materials and craftspeople. Standard policies may not fully cover the expense of authentically restoring historic features after damage.
If your property is near Ridley Creek or in the watershed area, flood insurance is highly recommended. Standard homeowners policies exclude flood damage entirely. Even outside designated flood zones, coverage is affordable and protects against increasingly common heavy storms. A single flooding event can cause tens of thousands in damage that you'd pay out of pocket without coverage.
Pennsylvania insurers require you to insure your home for at least 80% of its replacement cost value (not market value). If you underinsure and file a claim, your payout gets reduced proportionally. For example, if you should carry $400,000 but only have $300,000 in coverage, you'll receive only 75% of any claim amount.
Credit scores significantly impact Pennsylvania home insurance premiums. The difference between excellent and poor credit can mean up to $4,344 more annually with the same coverage. Insurers use credit-based insurance scores to predict claim likelihood, making good credit essential for affordable rates.
Guaranteed replacement cost coverage is valuable for high-value Main Line properties. This coverage pays to rebuild your home even if costs exceed your policy limit, protecting you from construction cost spikes. It's especially important for homes with custom features or historic details that are expensive to replicate.
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