Homeowners Insurance
Full-Time Workers in Your Home: Are You Covered?
by Colleen Woods-Esposito Who Works for You? Are you currently employing or planning to employ a full-time worker on your property, such as an au pair, caretaker, home health aide, or any other type of domestic service employee? If so, you may need to update your home insurance policy to cover a full-time worker. Who’s…
Read MoreHow Homeowners Insurance Works
When was the last time you reviewed your homeowners insurance policy? Do you know exactly what is and is not covered? With every insurance plan varying in coverage and cost, it’s important to understand what your personal policy includes. Though not every plan is the same, there are quite a few aspects of insurance that…
Read MoreAre all insurance policies for homes the same?
Some policies are designed for less expensive homes and contain few additional coverages often found in higher end policies. Call us and we can discuss your situation and recommend different options.
Read MoreWhen do I need a home insurance policy?
If you live in a one to four family house and it does not contain a business, you qualify for a home insurance policy. This policy covers your home, other structures on the premises, your personal belongings, loss of use, liability, and medical payments to others.
Read MoreMaintaining Your Home For A Lifetime
There is nothing quite like owning your own home. Sure, it comes along with paying a mortgage and maintaining proper upkeep, but you also have the joy of coming home after a long day to the comfort of your own surroundings. If you’re like most people, owning a home is one of the biggest investments…
Read MoreWhether Renting or Buying, Consider These Tips for Proper Insurance Coverage
We’ve been seeing continued improvement in the residential real estate market with home sales rising, interest rates continuing at low rates, and the job market showing enough improvement that people are comfortable selling their homes. The New York Times today has posted a useful calculator to help individuals determine whether the economics of buying make…
Read MoreBuilding Ordinance or Law Coverage
Most home insurance policies include coverage for “building ordinance or law,” a somewhat esoteric and misunderstood coverage that can be essential to putting your home back together after a claim. The average home insurance policy includes 10% of the dwelling amount on a policy at the time of a claim this means that if you…
Read MoreSinkholes and New Jersey Home Insurance
Q: Does my home insurance cover me from damage caused by sinkholes? A: Sinkholes have been in the news recently as a home in Florida was swallowed up on Tuesday, killing the occupant in the process. New Jersey home insurance generally does not cover sinkholes by default, they are excluded, even on very high-end policies. …
Read MoreHow Can I Prevent Frozen Pipes in my Home?
Preventing Damage From Frozen Pipes During winter months, the water pipes in a house are at risk of freezing. Frozen pipes can burst and can cause substantial damage to your home. Here are some simple tips to prevent the frozen pipes. Keep your thermostat set to the same consistent temperature throughout the day and night.…
Read MoreWhat to Do when You Need to File an Insurance Claim
If you have suffered damage to your house, car or business and need to file a claim: Remain calm. Locate your policy number and contact your company to report the claim. A list of claims and contact numbers is available on claims help page Be sure to protect your home and car to prevent further…
Read More