List of Services
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Agency Intro (Collegeville, PA)Agency Intro (Collegeville, PA)
At our agency, we believe you deserve top quality service period. That's why we're committed to giving you the best of us. We'll make sure you have the right coverage, the right discounts and can take comfort in knowing the things that matter most to you are protected. We also believe in giving back as agents of change in our community.
Our agency will rally around a new community cause together we can positively impact the lives of others around us. So for every friend, you recommend to our agency for a quote, we'll make a donation to someone in need on your behalf. But why stop there if you personally know of a child, a family or an individual going through a tough time and think we can help them, let us know we'll do our best to include them in our community cause program. If you'd like to learn more about other great local services in our area, be sure to check out the concierge tab on our website. This serves as your local business field guide and we'll continue to add new businesses that have been recommended by our customers. Lastly, don't miss our monthly publication called our hometown magazine. It contains a local events, billboard, delicious recipes and other useful articles. Customers receive a new issue delivered to their email inboxes each month. Call us for a comparison quote or policy review today. We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com .
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Introducing Our Concierge Program Finding the best service providers in town can be frustrating. That's why we want to share our concierge program with you. We're your local field guide to businesses that provide top-quality service looking for reliable assistance with your real estate needs. New restaurant, auto mechanic, chiropractor. Our concierge program is your one-stop resource. It's free to use, and we don't charge businesses to be listed either, but they can only be added if a customer or our team recommends them. Several concierge members are even featured each month in our magazine publication called Our Hometown, which also includes articles to help you live well and thrive. Have you had a terrific service from another business recently? Let us know and we'll consider their addition to the program in need of a service. Now, simply click the concierge program menu link at the top of our website and then select the category of service. We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com .Introducing Our Concierge Program
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5 Reasons For Financial Devastation (Collegeville, PA) We see five main reasons why people suffer financial devastation when mayhem strikes. We made this video to make sure this doesn't happen to you. Number five, they don't know that flood is not covered in a home policy. Number four, they don't realize how often the liability limits of auto and home policies are often exceeded. Number three, they don't understand the importance of a personal umbrella policy. Number two, they don't prepare for the worst and understand how inexpensive life insurance really is. Number one, they don't update their insurance when their lives change. These items are just a short list of the many hazards that seriously affect our customers lives. How do you protect yourself? Schedule an annual insurance review as soon as possible. Sit down with your agent, your trusted advisor. It's our job to make sure you are protected and not only that nearly 70% of the time, we are even able to save our customers money. We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com .5 Reasons For Financial Devastation (Collegeville, PA)
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Business Insurance Bad Luck Cases 1 And 2 (Collegeville, PA) What insurance does a small business actually need much of a business's success? Depends on how well it can overcome obstacles. Our agency is here to help guide you through the perils that you likely don't anticipate. Let's take a look at some examples of these perils. Through Acme Inc, the company had been investing resources to fuel growth and this made cash flow a little tight to save money. They decided to temporarily cut back on some of their insurance and as luck would have it, that's exactly when they were hit with a string of incidents that put the entire business in jeopardy. Bad luck case. Number one members of the Acne Inc team had been working hard to finalize a sales proposal that was to be presented the following day upon completion. They were annoyed to see that the printer was out of ink again in an attempt to save the day. Julie and Colleen hopped into Julie's car to rush to an office supply store for new cartridges. In her haste. Julie hit another car while she was texting her husband that she'd be home a little late. The other driver and passengers were injured and their car was totaled. The lawsuit that followed, targeted Acme because Julie was acting on behalf of the company when the accident occurred. The hefty legal and judgment costs would have been covered by hired and non owned auto liability insurance up to purchased policy limits bad luck case. Number two during the previous litigation, it was discovered that Colleen wasn't an employee of Acne Inc. She was a 1099 contractor. She was contracted initially to consult on a project, but she did so well. It developed into a full time situation although Julie only had minor injuries from the car accident, Colleen in the passenger seat was badly injured and had a long recovery. Acme had workers compensation insurance that covered Julie's expenses but not Colleen's. The state identified that Acme had misclassified Colleen and she should have been classified as an employee. This led to hefty penalties for Acne and they also ended up needing to pay Colleen's medical costs and damages from the lawsuit she later filed. Can you see how some variation of these examples could be applied to your business? Overwhelmed. No worries. We'll guide you through the types of policies that best fit your specific business and what limits make the most sense for each. We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com .Business Insurance Bad Luck Cases 1 And 2 (Collegeville, PA)
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Why Are My Homeowners Insurance Rates Going Up? (Collegeville, PA) One of the most common questions we hear about home insurance is so simple and very understandable. Why are my rates going up? Now? I know that it can feel frustrating and confusing. Uh The truth is there are a large number of reasons why you might see higher home insurance premiums and not all of them are things you can control if there is an increase in the cost of uh replacement materials like uh lumber or stone or in the cost of labor that will probably translate into higher premiums. Now, likewise, if the value of your neighborhood is on the rise and therefore the value of your home is increasing, then it will cost more to insure. Now, I also can't forget to mention that if there is a large number of people in your area making insurance claims that could translate into higher rates as well, your insurance agent might be able to help you find ways to offset these cost increases. So do not be shy about contacting them to find out more. We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com .Why Are My Homeowners Insurance Rates Going Up? (Collegeville, PA)
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What Life Insurance Do I Need For A Mortgage? (Collegeville, PA) Many families and especially those who have just moved into new homes, for example, have questions about how to set up life insurance protection for their mortgage. Now, in the event that tragedy strikes the major breadwinner of a household, a life insurance policy can actually be used to pay off the mortgage and allow the family to keep the home. Now, this type of policy is relatively straightforward and it can be easily purchased from just about any life insurance carrier. Now, the policy can also be part of the closing agreement on a new house, which usually means that premiums for the policy will be added to the monthly mortgage payment. Now, something that I want you to also take note of is a mortgage policy can be engineered to provide a monthly benefit to the surviving family in addition to paying off the house and this provides an extra financial cushion which I think is just a huge, huge plus. So before making any final decisions, be sure to talk to your insurance agent to determine what kind of policy properly protects your family.What Life Insurance Do I Need For A Mortgage? (Collegeville, PA)
We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com . -
Why Get Full Coverage Auto Insurance? (Collegeville, PA) We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com .Why Get Full Coverage Auto Insurance? (Collegeville, PA)
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Are Auto Insurance Rates Higher For Seniors? (Collegeville, PA) A common misconception is that auto insurance rates are automatically higher for seniors in actuality. Insurers look at various factors when determining rates and age is just one of them. That being said seniors are considered a higher risk group when it comes to driving, which can result in higher rates. Studies have shown that seniors are more likely to be involved in accidents and experience severe injuries in the event of a crash. As a result, insurers typically charge higher rates for older drivers. However, there are many ways that seniors can offset this increased cost. Many insurers offer discounts for seniors who take defensive driving courses and some also offer lower rates for drivers who limit their mileage. Seniors can keep their auto insurance rates relatively affordable by taking advantage of these discounts.Are Auto Insurance Rates Higher For Seniors? (Collegeville, PA)
We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com . -
Business Insurance Bad Luck Cases 3 And 4 (Collegeville, PA) What insurance does? A small business actually need much of a business's success depends on how well it can overcome obstacles. Our agency is here to help guide you through the perils that you likely don't anticipate. Case. Number three, the family owners at Acme Inc were frustrated that things seemingly out of their control were affecting the business's health and the hits kept coming after a huge storm. One weekend, the team came into the main office on Monday morning to find a tree had fallen through the roof, both the tree and rainwater damaged computers, monitors, printers, desks and more beyond repair. By the time all the contractors could be scheduled and get the work done. Nearly two months had passed before operations could get back to normal. A property policy would have helped with replacement of the equipment and furniture as well as repair costs for the roof walls, ceiling, flooring and electrical debris removal coverage could have reduced the unexpectedly significant costs of tree and material removal and business income insurance would have even replaced income that was lost because of the two months. The company couldn't operate at full capacity up to policy limits bad luck. Case number four, the team at Acme Inc was grateful to be able to get back to business as usual. But this piece only lasted a few weeks when a calamity of a different flavor struck malware managed to insert itself into one of their networked computers. But it wasn't just any malware. It was ransomware and it quickly spread to every computer and the server. It encrypted all files, making them inaccessible. Acme bitterly paid the ransom as it couldn't survive. Another extended period of time, non operational cyber liability insurance with data ransom coverage would have made the Acme owners much less bitter. Can you see how some variation of these examples could be applied to your business? Overwhelmed? No worries. We'll guide you through the types of policies that best fit your specific business and what limits make the most sense for each.Business Insurance Bad Luck Cases 3 And 4 (Collegeville, PA)
We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com . -
Why Get Homeowners Insurance? (Collegeville, PA) Homeowners insurance is a vital element in any homeowner's life and may help protect your home against various elements such as fires, theft, vandalism, storm damage, and many other occurrences. But don't worry, our team of experts are here to help protection is our business and we specialize in being great at it. We'll help you find a plan that best fits you and your loved ones needs, whether you're a new homeowner and are not sure what kind of protection you need or a long time owner and are interested in learning of new opportunities. Come see us.Why Get Homeowners Insurance? (Collegeville, PA)
We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com . -
Can Homeowners Insurance Be Backdated? (Collegeville, PA) Many homeowners would like to know if a home insurance policy can be backdated to provide coverage before the policy was actually purchased. Now, obviously, this type of arrangement would benefit the homeowner, right? I mean, imagine only paying for insurance after a disaster occurs. So the answer is usually no, but there are some exceptions. On rare occasions, an insurance carrier may recognize that a homeowner has allowed their insurance policy to lapse unintentionally and will honor the claim even though the account is not up to date. Now, I want you to note that this is by no means obligatory. Most insurance companies will use a lapse in coverage as a reason not to honor a claim and it is their right to do so. In fact, most insurance companies institute a waiting period before coverage takes effect generally between 3090 days to prevent exactly this type of situation. Now, ultimately, the safest course of action is to keep your premiums up to date, to ensure the protection from your homeowners policy remains in effect.Can Homeowners Insurance Be Backdated? (Collegeville, PA)
We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com . -
Will Homeowners Insurance Cover A Civil Lawsuit? (Collegeville, PA) We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com .Will Homeowners Insurance Cover A Civil Lawsuit? (Collegeville, PA)
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Why Get Life Insurance For Babies? (Collegeville, PA) OK, so here's the thing. While it might seem strange or even a little bit morbid, purchasing life insurance for newborn babies has become super popular over the last few years. I know that the thought of losing a newborn is absolutely unthinkable, but I want you to keep in mind that life insurance is not only about providing a benefit for the death of the policyholder. Many types of permanent or whole life insurance policies are actually designed to mature after a certain number of years, then a payout goes to the beneficiary. So for a newborn, for example, this means that the policy might mature during their college years, say, and this can provide funds for education or maybe even a little nest egg for a new family which Could be an awesome thing. Plus, because the policy is being purchased for a newborn, the premiums are very likely to be really affordable. So if you want to learn more about how a life insurance policy can help provide for your children, then the smart move is to schedule time with an insurance agent who you trust, and they're going to help you set up a great policy.Why Get Life Insurance For Babies? (Collegeville, PA)
We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com . -
Are Auto Insurance Rates Negotiable? (Collegeville, PA) Are auto insurance rates negotiable? The short answer is no. Auto insurance rates are not negotiable. However, there's more to this question than a quick answer. In truth, what most people want to know is how they can lower their auto insurance rates. While the premiums a carrier offers you aren't negotiable, there are other ways to knock that rate down. Auto insurance carriers determine their fees based on a complex set of variables, including your driving record, age, where you live, and how many miles you drive in a month. If you want to lower insurance rates, there are several things you can do. For starters, you can drive fewer miles, which might mean carpooling or public transportation. Another great idea is that you could also improve your driving record by going to driving school. Some carriers will encourage you to take a defensive driving class in exchange for lower premiums. Insurance agents can help you find ways to lower your premiums. Though rates aren't directly negotiable, there are plenty of ways to save money on auto insurance.Are Auto Insurance Rates Negotiable? (Collegeville, PA)
We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com . -
How Important Is Business Insurance? (Collegeville, PA) At some point, most business owners will ask themselves, how important is it to carry a business insurance policy? I get it. This question is totally understandable, especially if you've never filed a claim. However, it's important to remember that just because you've never needed to file a claim doesn't mean you never will. First off, you've got to keep in mind that some businesses are required to carry certain types of insurance. It's an obligation to be insured. Secondly, operating without insurance risks your livelihood. It risks the income of your employees and even the solvency of any other businesses that rely on you for service. Before making a decision on how to structure your business insurance, it's worth taking a step back and taking account of all the even remotely possible situations that could cause your business to suffer. Once you've brought those up to your insurance agent, the good ones can help you shave any unnecessary costs out of your business policy while still providing solid coverage. So don't be shy about letting them know that you have questions or concerns.How Important Is Business Insurance? (Collegeville, PA)
We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com . -
Business Insurance Bad Luck Cases 5 And 6 (Collegeville, PA) What insurance does a small business actually need? Much of a business's success depends on how well it can overcome obstacles. Our agency is here to help guide you through the perils that you likely don't anticipate.Business Insurance Bad Luck Cases 5 And 6 (Collegeville, PA)
Bad luck case number 5: After all the adversity that Acme Inc. had been going through the past few months, the team's morale was understandably shaken. In an attempt to help lighten things up, Buzz, one of the managers, thought it would be a good idea to inject more of his unique brand of humor at the office. The company soon learned that Buzz's off-color jokes were deemed to be inappropriate and offensive by a coworker. Damages from that lawsuit would have been covered with employment practices liability insurance up to policy limits.
Bad luck case number 6: The team at Acme Inc. was now in complete disarray. In fact, one of the original founders, Sally, was so shaken up that she went jogging at night without her usual reflective gear. On a curvy road near her home, she was hit by a car and soon passed away from her injuries. Sally was off the face of the company and was also responsible for managing the relationship with many of their biggest clients. Before long, several left for competitors, although no policy could replace Sally, a key man life insurance policy would have at least provided money to fill the gap from the revenue shortage due to the loss of clients and allowed some more time for Acme to recover and find an adequate replacement to fill Sally's shoes.
Can you see how some variation of these examples could be applied to your business? Overwhelmed, no worries. We'll guide you through the types of policies that best fit your specific business and what limits make the most sense for each.
We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com . -
Can Home Insurance Pay For A New Roof? (Collegeville, PA) Homeowners insurance protects your home from damage caused by perils like fire, wind, and theft. But what about damage caused by wear and tear? For example, let's say you need a new roof. Can your homeowners insurance policy help pay for it? The answer is maybe. Homeowners insurance policies typically cover sudden and accidental damage. So if a storm damages your roof, your policy should pay for the repairs, but most policies will not pay for damage that occurs over time. Such as wear and tear on floor maintenance. That means if your roof needs to be replaced because it's old and worn out, your homeowner's insurance won't help pay for the repairs. Now some homeowners insurance policies include replacement cost coverage for the dwelling. Personal lines. This coverage will help pay to repair or rebuild your home if it's damaged or destroyed regardless of the cost. So if you have replacement cost coverage and your roof needs to be replaced, your policy should kick in and help pay for the repairs. Replacement cost coverage is not included in all homeowners insurance policies, so if you're unsure whether you have it, check your policy documents or call your agent to ask. It's also important to remember that replacement cost coverage has limits like every other type of coverage in a homeowner's insurance policy. So even if you have this type of coverage, your insurer will only pay up to the limit stated in your policy. That's why it's always a good idea to ensure you have enough coverage to rebuild your home entirely if it's ever destroyed.Can Home Insurance Pay For A New Roof? (Collegeville, PA)
We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com . -
Can I Bundle My Home And Auto Insurance For A Discount? (Collegeville, PA) Absolutely! You can bundle your home and auto insurance for a discount, and the home and auto bundle is actually our greatest discount and something you always want to take advantage of. Whether it's a home and auto discount or an auto and renters, the savings are quite significant and it's always best to bundle.Can I Bundle My Home And Auto Insurance For A Discount? (Collegeville, PA)
We’d be happy to review your insurance coverage options with you! Give us a call at 215-621-8288 or visit https://theellmanagency.com .
Thirty million Americans struggle with eating disorders, yet fewer than 20% receive treatment due to systemic and financial barriers. These disorders claim more lives than nearly any other mental health condition, yet the treatment system remains riddled with roadblocks—especially for marginalized communities. But there is hope. The Ellman Agency is proud to support SoulPaws Recovery Project as our latest Community Cause beneficiary. Founded in 2016, SoulPaws is a 501(c)(3) nonprofit offering a revolutionary, no-cost healing approach that harnesses the power of animal-assisted interventions and neuroscience. Unlike traditional treatment models that often rely on rigid diagnostic criteria, SoulPaws welcomes all individuals seeking support—no diagnosis required. Through their signature Healing Circles, participants connect with therapy animals—miniature horses, dogs, rabbits, guinea pigs, even rats—while trained facilitators guide them through SoulPaws’ three pillars of healing: Calm, Connect, Heal. This innovative approach is breaking down financial and systemic barriers, providing a compassionate alternative for those who need it most. Now, you can help. For every referral you send our way, The Ellman Agency will donate $10 to SoulPaws Recovery Project. A no-obligation insurance quote could be the small action that leads to lifesaving support for someone in need. Join us in making a difference—refer a friend today.
The Ellman Agency is honored to partner with Morgan’s Message, a non-profit organization dedicated to transforming the mental health landscape for student-athletes. Their mission to amplify voices, provide resources, and create a supportive community is more crucial than ever in today’s competitive athletic world. Student-athletes face immense pressure to excel, often leaving mental health concerns in the shadows. Morgan’s Message works to eliminate the stigma surrounding mental health within the high school and collegiate athletic communities by fostering an environment where athletes can openly discuss their challenges. Through peer-to-peer conversations, the organization aims to normalize mental health discussions and ensure athletes feel heard and supported. The Ellman Agency is committed to helping Morgan’s Message expand its reach and impact. For every referral received, we will donate $10 to support their mission. This partnership is an opportunity for all of us to contribute to a cause that will change the lives of athletes who are often left struggling in silence. By joining forces, we hope to amplify the conversation about mental health, create safe spaces, and empower those who need help to speak up. Together, we can make a lasting difference in the lives of student-athletes, building a future where mental health is treated with the same importance as physical health.
The end of the year is fast approaching and this holiday season, The Ellman Agency is partnering with Marine Toys for Tots to bring the magic of Christmas to children who might otherwise go without. For every referral we receive, we’ll donate $10 to Toys for Tots, helping to fill the hearts of children with hope, and their hands with a gift they will cherish. For many children, the holidays can be a painful reminder of the hardships they face. But with your support, we can turn that pain into joy. The mission of Toys for Tots is not just about giving toys—it’s about giving children the gift of hope. It’s about letting them know that someone cares, that they are seen, and that the spirit of Christmas is alive in the kindness of others. By simply sharing the name of a friend or family member, you’ll be contributing to something far greater than a donation. You’ll be part of a movement that lifts the spirits of children and strengthens our community. Together, we can give children the joy they deserve and make this Christmas a season of love, generosity, and hope. Please join us in this mission and let's bring smiles to the faces of those who need it most!
The Ellman Agency is excited to announce the launch of our first Community Cause Campaign, proudly supporting The Sophia Sunshine Foundation! This extraordinary organisation is dedicated to spreading joy and fostering connection through acts of kindness that uplift children facing significant challenges, especially those fighting pediatric cancer. The Sophia Sunshine Foundation works tirelessly to bring children happiness and well-being through various enriching activities. From the therapeutic benefits of equine therapy to the love and companionship of service dogs, and the joy of engaging in literacy programs, the foundation ensures that these children find moments of happiness and hope. Additionally, they are committed to advancing pediatric cancer research, with a focus on finding a cure for Diffuse Intrinsic Pontine Glioma (DIPG), a particularly devastating form of childhood cancer. Our campaign aims to harness the power of our community to support this noble cause. For every referral received, The Ellman Agency will donate $10 to The Sophia Sunshine Foundation. Your participation can help provide therapy, emotional and physical support, and much-needed stimulation through creative activities for these courageous children. We invite you to join us in making a meaningful difference! Your simple contribution can bring joy, laughter, and hope to children when they need it most. Together, we can empower these young heroes and contribute to the fight for a cure. Spread the sunshine, share the joy, and help create a brighter future for these incredible children.
Our agency is committed to fostering positive change within our community, helping other Live Well & Thrive! Through our newly launched Community Cause program, we will proactively identify local non-profit organizations, families, and groups facing challenges, and extend a helping hand wherever possible. So many are facing hardships every day within our community, and we are dedicated to addressing these issues with compassion and determination. Central to our approach is raising awareness for those individual causes and working towards tangible goals, whether they involve financial contributions or the provision of essential resources that can enhance the lives of recipients. To further our commitment, we have enhanced our Rewards Program to allow our clients and anyone who cares a chance to give back in a meaningful way. For every individual referred to our agency for a policy review or quote, we will make a donation towards our ongoing Community Cause campaign. We are vested in our mission to identify those in need of support and empower our customers, business partners, and community members to join us in making a meaningful impact. Together, we have the opportunity to effect positive change and create a brighter future for all. We invite you to join us in our journey towards making a difference and being the agents of change our community deserves. Sincerely,
