Personal Insurance
No-Obligation Quotes • Great Rates • Friendly Service • Experience
Insurance is complex. Without the help of licensed and knowledgeable people, costly mistakes can jeopardize the solvency of your personal assets. Because clients’ needs are vastly different, we prefer to conduct a short telephone interview (usually 10-15 minutes) to determine the program which is specific and appropriate for you.
Call us at 1-800-220-6613. For your convenience we have set up some forms that include many of the questions we will ask you when you call. You can complete and submit a form if you like and we will contact you. We have people who will answer your questions.
Homeowners (primary, seasonal & vacation homes) and Liability Insurance
Each homeowner’s insurance policy (Homes, Rentals, and Condos) offers different protection, but standard policies usually provide:
- Broad coverage for damage to your house and any permanent structures on your property (unless the cause of the damage is specifically excluded in your policy).
- Damage to your personal property due to causes specified in your policy. (Yep, it’s those “named perils” again!)
- Limited coverage—usually $500 – $2,000—for jewelry stolen from your home. (Most policies don’t cover lost jewelry.) If you need greater coverage for your prized collection, you might need a homeowner’s policy endorsement.
- Coverage for personal liability exposures that arise from being a homeowner.
- Coverage for additional costs you might incur because of a covered loss (for example, if you need to temporarily live elsewhere if a fire makes your home uninhabitable).
Homeowners / Liability Insurance Quote
- Coastal or Inland Properties
- Owner occupied primary or secondary residences
- Rental properties
- Condominiums (including duplex condos)
- Builders Risk
- Flood Insurance
Automobile Insurance
Coverage Options
There’s a lot to consider when purchasing auto insurance in the state of NJ. Some coverage is required by law, while others are optional.
Coverage that Helps Protect Your Car
- Collision Coverage: This pays for damages to your car from a collision with another car or object, or when your car overturns.
- Comprehensive Coverage: This pays for damages to your car from theft, vandalism, flooding, fire, hail, or hitting an animal.
Coverage that Helps Protect Your Assets
- Liability Coverage: If you’re legally responsible for an automobile accident, this pays for injuries or damages and also pays for legal defense costs if you’re sued.
- Personal Injury Protection: This pays the medical and hospital costs for you or your passengers when there’s an auto accident, regardless of who caused the accident.
- Uninsured Motorist Coverage: This pays for injuries or damages when you have an accident with someone who doesn’t have auto insurance.
Finding the Right Level of Coverage when Purchasing Auto Insurance
The coverage options you choose today may be critical in the event of an accident tomorrow. The right level of coverage depends on many factors, including:
- The value of the car you drive
- Where and how you drive
- The assets and income you need to protect
Auto insurance coverage doesn’t have to be confusing – we’ll help you navigate through all of the options available in NJ and determine the right auto insurance coverage you need.
Motorcycle or Moped Insurance
Not all insurance companies offer motorcycle insurance in New Jersey. When shopping for motorcycle insurance, you should consider the coverage options available to you in NJ, such as new bike replacement for destroyed or stolen motorcycles that are two model years old or newer, zero-deductible replacement for helmet and safety apparel, meal and hotel reimbursement if your bike breaks down away from home, towing and emergency road service, and more.
Watercraft Insurance
Call us today to learn more about the protection we offer for mid- and high-performance boats, ski boats, air boats, hovercrafts, bass boats, powerboats, trawlers, sailboats, sport-fishers, houseboats, pontoons and more.
You have your choice of liability-only or full protection, replacement coverage, and parts replacement when less than two years old (extended coverage is available for older parts).
Tenders and dinghies, as well as your personal belongings, can also be covered. In addition, you can protect your family and non-family members with water-ski liability coverage, uninsured boater coverage, and medical payment coverage. Your watercraft insurance also protects you on rented and borrowed boats.
Individual Life, Health and Disability, Medicare Supplements/ Long Term Care
Click here to view our Life, Benefits and Financial Services page.