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Finding Policies That Work For You

Similar to renter’s insurance policies, homeowner’s insurance policies cover a variety of expenses that may be incurred by any number of unforeseen circumstances. Homeowner’s policies tend to cover your residence’s basic structure, detached structures like garages and sheds, your personal belongings, your living expenses in case of emergencies, and much more. Bucks Montgomery Insurance Group offers a diverse array of homeowner’s insurance policies from competing providers to our clients throughout eastern Pennsylvania. Our agents will work tirelessly to find a policy that ensures you won’t have to sacrifice your quality of life in case of an accident or emergency. We’ll make insurance companies work for you, the way it should be.

Types of Homeowner’s Insurance

When it comes to homeowner’s insurance, there are many exceptions and limitations to what can be covered. The terrain upon which your home is built and the environmental conditions under which you live can result in you having to purchase additional protections like earthquake and flood insurance. Bucks Montgomery Insurance Group has agents standing by to take stock of your living situation as a homeowner. We will work diligently to help you find a policy that provides you maximum coverage at a minimal cost.

Actual Cash Value

Under an actual cash value coverage policy, the insurance company will cover the cost of replacing your property minus an allowance for depreciation in value. For example, old furniture or dated electronic products will be “worth” less under an actual cash value policy. Of course, this type of policy is better for the insurance company and worse for you, so unless your policy specifies replacement cost coverage, actual cash value coverage is probably the default.

Replacement Cost Coverage

Replacement cost coverage policies are almost always better for the homeowner. Under this type of coverage, the insurance company is obliged to cover the cost of replacing property up to a maximum dollar amount. Depreciation in value is not factored into the amount of money you receive from the insurance company. Generally, you want your maximum replacement cost to be enough to cover the rebuilding of your home and replacement of all property.

We Build Relationships

"We believe in building lasting relationships, and our agents genuinely care about the well-being of our clients and their families. We feel that agencies who see their clients as business partners are more willing to go the extra mile when needed, and we are no exception."

Dan J.

"They’re always so quick to respond and answer all your questions at length!! Very helpful!"

Jodie L.

"This company is very professional and quick to respond to your questions. I have been a customer for over twenty years."

Maureen M.

"I am extremely satisfied with the service that I have received from Bill Pellak and the whole team at Bucks Montgomery Insurance Group. Bill works very hard to look out for his clients."

Bharat S.

"I've been a customer of BMI for over 20 years. They have always exceeded my expectations with superior customer service, product quality, and affordability."

Jim M.

"Awesome customer service very professional...."

Mike S.

"I have been a client of BMI for 10+ years and the services they have provided have been stellar. Bill and his staff are conversant, courteous and professional!"

Mike B.

"The entire team at BMI have been terrific to work with. Always helpful and looking out for their clients best interest. They recommended Encompass Car Insurance and they could not have been more correct. My daughter recently had a car accident. In little to no time, an adjuster was assigned, a report written, and a reimbursement check sent for damages. Everyone was courteous and seemed to go out of their way to guide us through the process. Thank you BMI for all your hard work."

Marybeth M.

"I am extremely satisfied with the service that I have received from Bill Pellak and the whole team at Bucks Montgomery Insurance Group. Bill works very hard to look out for his clients and see to it that you get the best rates and favorable treatment from the insurance companies that he represents. I can (and have) unconditionally recommend his agency."

Stephan G.

"I've been doing business with Bill at BMI for over 10 years now and I couldn't be happier with his service! He and his staff are extremely courteous and professional! Very responsive anytime I need to talk with them. I highly recommend BMI for your insurance needs!"

Shawn S.

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