Personal Insurance in NJ

Does your home or auto insurance policy protect you properly?

There are a lot of condo, renter’s and homeowner’s insurance policies and there are many types of auto coverages that aren’t required, but are very useful. Important parts of your life may not fit under your existing policy. You may also be paying too much for the policy you need.
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What are your options when purchasing Personal Insurance?

Homeowners Insurance

Listed below are some of the important differences between homeowner's policies:

  • Is the policy form an HO-3 or an HO-5? We recommend an HO-5, most others will quote you an HO-3.
  • We hate hurricane deductibles for those not in a high wind or coastal area, yet many carriers do this across the board (for no premium reduction).
  • Is your special property such as jewelry, collectibles or antiques properly covered? We have experience with large schedules of these items.
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Condominium Unit Owners

If your Condo Policy looks like renters insurance – you may have the wrong coverage!

There are important coverage differences that are critical for condominium unit owners:

  • Coverage for building items for which you are responsible in your unit like cabinets, electrical fixtures, plumbing fixtures, etc.
  • Loss Assessment Coverage for expenses that may be passed from the Condo Association to the unit owners. We typically suggest a limit of around $50,000 for this important coverage.
  • Retailers
  • Restaurants
  • Professional Liability Coverage
  • Volunteer Fire Companies
  • Church and other houses of worship

Auto & Recreational Vehicle Insurance

Many auto policies don't cover with everything you need.

We ensure that our Auto policies maintain the proper level of coverage for your particular situation:

  • Bodily Injury & Medical Payments
  • Collision & Comprehensive
  • Towing & Substitute Transportation
  • Underinsured
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Personal Umbrella Insurance

Personal Umbrella Insurance picks up where your homeowners policy leaves off

If you do not have a Personal Umbrella Policy, you have not done a good job of protecting your assets. This is a very inexpensive way to purchase higher limits of liability that extend the limits provided on your homeowners, automobile and other policies.

If you have not updated your limits lately, you may want to review your coverage.

Contact us today to learn more about finding the right policy for you and your family.

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