Insuring New Jersey Coastal Properties 

Q: How does an investment property get valued for insurance?  The best coverage will require that a building be valued at the reconstruction cost, which often is more than the cost to purchase, particularly if a building is distressed.  This will allow you to have replacement cost coverage. Conversely, many policies will allow you to…

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Maintaining 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…

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Sinkholes 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. …

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