Quotes for Every Part of Life

Thank you for allowing us to quote your insurance coverage. Choose and click an icon below to request a quote. Spencer Insurance represents several exceptional companies and will contact you for the information we need to provide the quote.






As Independent Insurance Agents, Spencer Insurance Agency represents several top rated insurance companies and can choose the company that has the right insurance package for your needs.  

We do the research for you. Spencer Insurance Agency may not be the lowest or highest price, but you will know you have the proper protection at a very competitive price.

Some of our business clients include. . .

  • Gift shop
  • Law office, doctor’s office, dental office, chiropractor’s office
  • Contractors including electrical, carpenter, dry wall and painter
  • Sign Store, Auto Repair Shop, Funeral Home, and Candy Store
  • Business condo, Apartment building

Some of the coverages we offer business clients. . .

  • Commercial Property
  • Commercial  Liability
  • Commercial Auto
  • Commercial Umbrella Insurance
  • Workman’s Compensation
  • Employment Practice Liability
  • Cyber Liability
  • Professional Liability
  • Director’s & Officer’s Liability
  • Life Insurance
    • Funding Buy-Sell Agreements
    • Key Person Insurance
    • Supplemental Group Life Insurance
    • Disability Insurance
      • Business expense
      • Business continuation planning for key employees
      • Employee Group Disability
      • Business Owner Supplemental Disability Plans.



Condo Insurance is very different than Homeowner’s Insurance. Every condo community has an association which enforces their bylaws and manages the affairs of the association. 

One of their tasks is to purchase insurance for the buildings and common areas of the community. As a condo owner, not only are you responsible to insure your unit, you also have an interest in these common areas.

Check with your association to see what coverage they have in place and what coverage they recommend you purchase. Remember, “The True Cost of Insurance” can be much higher if you do not have the proper coverage.


Renter’s Insurance is very different than Homeowner’s Insurance.  As a renter, you do not own the building; therefore you do not need to insure the building.

You may not need to insure the building but you do need to insure your belongings from damage. You may think you don’t own much but think of the cost to replace everything you own after the apartment was completely destroyed by a fire. Don’t forget the liability insurance you need if someone is injured in your apartment.

Then why do I need Renter’s Insurance?

  • Your landlord does not provide insurance to cover your personal belongings.  How would you replace your belongings if you came home and your apartment building was totally destroyed by fire?
  • There is an accident inside your apartment and someone is severely injured.  Where will you come up with the money to pay the damages if you are sued?   A Renter’s Insurance policy will help by providing liability coverage.
  • After a claim, you need to stay in a hotel until you find a replacement apartment. Then, when you find an apartment the rent is much higher than what you were paying.  Where will you come up with the money to pay for the hotel stay and the difference in rent?  A Renter’s Insurance policy will help pay for these additional costs.

Call us today to get a quote and discuss the coverage you need when you rent an apartment.  Remember, the “True Cost of Insurance” can be much higher if you do not have the proper protection.


Are you taking the motorcycle out for a ride?   Do you have insurance in case it is stolen or damaged in an accident?  And what about liability insurance. Accidents do happen. 


Serious accidents happen and your primary liability insurance may not be enough. Get an umbrella policy for pennies a day. 

Real life stories: You make a left turn and take out a motorcycle you didn’t see, your dog bites a child’s face, your golf ball hits another player in the head. What happens when your liability coverage is not enough. Can you afford to pay for the injuries? 


People commonly think about insurance for their possessions. But what about you? What if you get sick, injured or even die? How do you protect yourself and your family in these instances?

Remember, insurance is a game of “What if?” So ask yourself these questions:

What happens if you suffer a serious illness or injury that results in major medical bills and significant lost work time?

How do you and your family pay expenses if you are unable to work for an extended period of time?

These are obviously not pleasant thoughts, but remember that “What if?” is a game about worst-case scenarios.

It seems like something that doesn’t happen very often. You suffer an illness or injury that prevents you from working for an extended period of time — six months, a year, even five years. Sounds rare doesn’t it? It’s not.

* Fact. On average, you have a one in five chance of becoming disabled between the ages of 35 and 65. You have a one in seven chance of becoming disabled for at least five years before you turn 65. If you are 30, you have a one in three chance of incurring a long-term (at least 90 days) disability before you turn 60. At age 40, the odds are three in 10. At 50, it’s less than one in five.

You actually have a far greater chance of becoming disabled during your working career than you do of dying. The chances of disability vs. death are more than six times greater for younger workers. Yet far more Americans buy life insurance than they do a policy that can replace income lost because of a disability.

boat insurance

Boats are fun. Let us make sure you have the proper coverage so you can enjoy your boat.

Your boat can be damaged by a storm or a boating accident.  You may injure someone with your boat so talk to us to make sure you have the proper coverage at a competitive price.


Everyone is in a flood zone, to some degree.  You may be in a moderate to low-risk flood zone which include “B”, “C”, and “X” zones but that does not mean you will not experience flooding.

According to FEMA “Low-risk flood zone areas submit more than 20 percent of National Flood Insurance Program claims and receive one-third of federal disaster assistance for flooding.” Flood insurance rates for these low-risk zones are very affordable.  Contact us today for more information. Don’t wait for that storm to approach as most flood policies come with a 30-day waiting period.


Your homeowner’s insurance policy puts limits on many valuable items you own such as jewelry, silverware, firearms, fine arts and other collectibles.

You can purchase additional coverage for these valuable items. Make sure you are not caught short when you have a claim. Talk to us now before the claim happens!

wedding insurance

Wedding insurance helps make things right when things go wrong.

Your wedding day is one of the most exciting days of your life. Not only have you been dreaming about it and preparing for your special wedding day, but you are also spending a lot of money to make it extra special. Your wedding day is an investment, one in which you want to make sure you protect now more than ever. Your wedding day can be protected by purchasing a wedding protector plan at a low cost.

For as little as $160, and no deductibles, your wedding insurance policy can protect you from a variety of situations such as:

  • No wedding dress or tuxedo: You can get repair or replacement cost if the bride’s wedding gown or groom’s tuxedo is lost or damaged.
  • Lost deposits: We can reimburse your deposit if a vendor goes out of business, declares bankruptcy before your wedding, or simply fails to show up.
  • Lost rings: You can receive repair or replacement cost if the bride or groom’s wedding bands are lost or damaged.
  • Severe weather: If severe weather (such as a hurricane) forces you to postpone your wedding, we can provide reimbursement for non-recoverable expenses.
  • Transportation shutdown: If you have to postpone the wedding because a commercial transportation shutdown prevents the bride, groom or their immediate family from getting there, you can receive reimbursement for non-recoverable expenses.
  • Ruined photos: If your photographer’s film or data storage is defective, or negatives are lost or damaged, we can help cover the cost to re-take new photos.
  • Call to duty: If the bride and groom is unexpectedly called up to active duty, or has her or his military service leave revoked, forcing you to postpone the event, we can provide reimbursement for non-recoverable expenses.
  • Damaged gifts: You can get repair or replacement cost if your wedding gifts are damaged.
  • Sudden illness: If the wedding needs to be postponed because sudden illness prevents the bride, groom or their immediate family from attending, you can receive reimbursement for non-recoverable expenses.
  • wedding ringsVenue requires insurance: As an additional option to your policy, you can add liability coverage to protect yourself in case a guest is injured or causes damage to property.
  • Liquor liability: As an individual liability option to your policy, you can add this coverage when you purchase liability coverage to protect yourself against liability arising from alcohol-related occurrences (subject to policy conditions and exclusions).
  • Additional expense: If a vendor suddenly becomes unavailable for your event, but you can find a last-minute replacement, we can reimburse you for the difference in cost.

Let us help you ensure your wedding day is protected. Call us today at 215-885-2200 for a no obligation review of your wedding insurance needs

Are you a current client?

If you need help with a current policy or need to make a claim, head over to our Client Services page to get all the help you need, in one convenient place 

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