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Do I Need Flood Insurance? [Hint: YES!]
Do I Need Flood Insurance? What Homeowners Need to Know When it comes to protecting your home, you may be asking yourself: do I need flood insurance? The answer is a resounding yes! Floods are the most common and costly natural disaster in the United States, and even if you don't live in a...
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Life Insurance 101
Life insurance can be overwhelming and is not always the most comfortable topic to discuss with your loved ones. You probably have many questions: What type of life insurance coverage should you have? At what age should you get life insurance? How much should you pay for life insurance? What...
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Recreational Insurance Coverage: Are Your Summer “Toys” Properly Insured?
It’s that time of the year again: Relaxing days at the beach, summer road trips, and fun in the sun! It all sounds great, but before you decide to set sail on your new boat or take that motorcycle trip with your friends, you need to make sure your recreational “toys” are properly...
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Do I Need Insurance for My Wedding or Special Event?
Your special day is approaching, and even though you may think that everything will go as planned, the reality is that life happens, and unfortunate situations can and sometimes do occur. Considering an average wedding in the U.S. costs upwards of $30,000 – a significant financial investment! –...
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Homeowners Insurance in NJ: What’s Covered and What’s Not?
If you’re like most homeowners, your house is your most valuable asset. One of life’s greatest financial and emotional investments, your home is a safe haven and comfort zone. It’s where you spend most of your money and most of your time. But do you know what it takes to safeguard your...
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Why did my Homeowner’s Insurance increase?
If you are a homeowner, it is likely that you will see a premium increase on your 2023 home insurance renewal. Most years, renewal increases are either non-existent or small enough for most insureds not to notice. But starting in 2022, homeowners in each state were seeing their rates increase 12.1%...
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Workers’ Compensation Insurance in New Jersey: What You Need to Know
Accidents happen. But if you are a business owner, and one of your employees has one when they’re on the job, your company and livelihood could be on the line. Workers’ compensation insurance is the safety net for your employees and your business. Workers’ compensation is a system of...
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When to Add a Child to Your Auto Policy
The inevitable is here - your child is getting their learner’s permit. Did we just hear you scream in fear? We know this is a new adventure – filled with exhilaration and trepidation. But what does this mean for your auto insurance policy? Hanson & Ryan Inc. has been in the insurance...
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When Should I Get Life Insurance?
The insurance industry is based on the almighty “What If” scenario. We never know when something terrible is going to happen to our family, home, business, car, etc. – but if you are forward-thinking, you know it is imperative to insure the prized possessions in your life. One of the most...
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What You Need to Know About Motorcycle Insurance
May is Motorcycle Safety Awareness Month. And while riding a motorcycle can be an exhilarating way to travel, it also comes with significant safety risks. In recent years, motorcycles have become more popular than ever in the U.S., with 8.32 million registered motorcycles on the roads today.1 If...
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