All of us reside a significant portion of our lives in a home of some kind whether it be a one family house, a town house, condominium, an apartment or multi family dwelling. And these homes are filled with our personal belongings that we have accumulated over the years and continue to accumulate. Losing this home and/or the belongings in it would be catastrophic to our lives, emotionally as well as financially.
A homeowner policy whether it’s for a house, town home, condo, or apartment can protect these items and much more from the various risks that can occur in ones life.
The #1 mistake people make when shopping for home insurance is that they shop on price alone. Price or premium as we call it does not always equal coverage and not all homeowner policies are the same. Many have different endorsements, limits, conditions, and exclusions that only a licensed professional can educate and advise you on.
That’s why using an independent agent is vital to your insurance protection, we can review and evaluate your exposure and offer you the coverage you need at a competitive price.
Our Homeowner insurance package includes, but is not limited to, the following coverages:
Your homeowner policy does not protect you from losses caused by flood damage. We'll help you get the coverage you need.
Renters often overlook or underestimate their need to protect their belongings and liability
because they think they either have to own their home to obtain coverage or think their landlords insurance policy
will cover them...
One of the biggest changes in the homeowner market today is the number of town houses or condominiums that are out there. These homes require a particular coverage known as a unit owner policy or HO-6.
The advantages to scheduling valuable items on your homeowner policy or insuring them separately in some cases on their own policy is having the broadest possible causes of loss covered and having no deductible apply to that loss.
Do you have enough coverage on your homeowner policy to protect you from the worse possible loss, a total one, such as a house fire that destroys everything your dwelling and all its contents?
We can then offer you the right coverage at a competitive rate with a reputable company.
The companies we represent:
• Travelers of New Jersey (formally First Trenton indemnity)
• Encompass Insurance
• Peerless Insurance Company
• Franklin Mutual Insurance Company
• Fireman's Fund Insurance Company