AUTO INSURANCE - New Jersey
Car insurance is determined according to: Make Model Mileage Year the car was manufactured Your age plus the age of any drivers Assurance that you and any other drivers have a valid license to drive, including their license numbers There are two kinds of insurance: Bodily damage Property damage What’s covered in your policy: Liability Accidents involving uninsured motorists in your car or the other car(s) involved Principal person injury protection Vehicle damage Car rental reimbursement while your car is being repaired (optional) Should any additional features need to be added... Read more
BUSINESS INSURANCE - New Jersey
WHY DOES MY BUSINESS NEED INSURANCE COVERAGE? Again, insurance is risk transference. A third party (the insurance company) guarantees payment should anything covered in your policies go wrong. No business should be without insurance coverage. That includes mom ‘n pop or neighborhood businesses, single owner businesses that outsource projects and larger corporations. In many cases, the law requires that you have insurance protection for your business. Otherwise, it’s... Read more
FLOOD INSURANCE - New Jersey
Flood insurance is a “must” in order to protect your home, business and family. Loss from floods is overwhelming if you’re not covered by insurance - a low cost form of protection. When you are a flood insurance policy holder: You are compensated for all your losses Coverage is relatively inexpensive You can depend on being reimbursed for all flood damages, even if the President does not declare your area a Federal disaster You do not have to... Read more
HOMEOWNERS INSURANCE - New Jersey
Every home owner needs insurance to cover damage – or transfer risk from himself/herself to a third party – the insurance company. Every homeowner should (and in many cases, must ) have insurance against: Fire Theft/crime Accidents within the home or on its grounds (especially guests or trades people falling or having accidents, or suffering bites from a family pet) Hurricanes Flood (required by municipalities in many areas) Once you decide on your needs and what you... Read more
LIFE INSURANCE - New Jersey
The Oxford English Dictionary defines life insurance simply as “Insurance that pays out a sum of money either on the death of an insured person or after a specific period of time.” A primary reason to have life insurance is that it provides a death benefit – money that your family or other beneficiaries can use for whatever reasons they choose: Paying your final expenses, such as burial and estate taxes Family income to... Read more
WHY DO YOU NEED AN INDEPENDENT INSURANCE AGENT?
Insurance is complicated and getting more so. Simply put, insurance is risk transference – a legal tool to protect your assets.
Being uninsured - or choosing the wrong insurance agent who fails to put your needs first - could wipe you (and your family) out financially for life.
Learn to understand your own insurance needs:
- What kind and how much insurance you should have
- What kind of insurance you can afford
- Insurance deductibles
- How to find an insurance agent you can trust – who takes time and trouble to learn about you and work with you
Insurance is a personal service business where honesty and trust are as important as the insurance policies you purchase.