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Posted on January 27th, 2021 by admin

Most homeowners agree that homeowners insurance is essential. At least, this is the case if you want to protect your major investment in your home. However, there are times when you may find yourself without home insurance protection. What happens then? Here’s what you need to know so you can get the protection you need for your home and remain in the good graces of your mortgage company. How Can I Get Homeowners Insurance After Non-Renewal? It’s not fun to feel rejected — especially by your insurance company. Regardless of the reason for your non-renewal, it is important to get…Read More

Posted on January 9th, 2021 by admin

Regardless of when, it’s always a great time to review your insurance policies with an independent agent.  Life happens, things change, and you want to make sure you are adequately protected and not overpaying for your coverage.  We’ve put together a list of 6 reasons why it’s a good idea to review your policies annually. 1. It’s FREE.  That’s right, free.  Meaning at no cost to you.  An independent insurance agent will review your insurance policies with you at no cost to you.  That is the number one reason to do business with a qualified independent insurance agent.  Accept no substitute. RSC…Read More

Posted on December 17th, 2020 by admin

If you’re a relatively new homeowner, you may have heard several terms that are new to you. Or, you might have come across terms that are often used interchangeably but serve different purposes. One topic that’s a bit confusing for some is hazard vs. homeowners insurance. But is there a difference between hazard insurance and homeowners insurance? This article will explain and hopefully answer this question for you.  What Is a Hazard Insurance Policy?  Hazard insurance, which is sometimes referred to as building coverage, typically refers to your home’s structure, roof, walls, and floor coverage only. It protects you, the…Read More

Posted on December 10th, 2020 by admin

In the world of insurance, you’ll come across a lot of fancy words and strange jargon that can be extremely challenging to understand. If you’re a contractor, for instance, and you’re speaking with a potential client on the phone, it might seem things are going smoothly, and then they ask you for proof of insurance coverage. You might automatically think they want to see a copy of your current policies and then come to find they’re requesting for you to provide a certificate of insurance (COI). But, do you know what this is exactly and what it does? To help…Read More

Posted on November 30th, 2020 by admin

A basic life insurance policy is a contract between the policyholder and the insurance provider which obligates the provider to pay a death benefit upon the death of the named insured.  The death benefit is then paid to the to the describd beneficiaries. This is in exchange for premiums the policyholder or policyowner pays to the insurance provider.  What Does Life Insurance Coverage provide? Some things life insurance can provide are: 1. Everyday Expenses and Monthly Bills Chances are, you’re paying for a mortgage or rent, utility bills, and essential household items like groceries, cleaning items, and more. These bills…Read More

Posted on November 24th, 2020 by admin

You’ve just found the ideal place to rent. It’s close to work, has an amazing view, and comes with a bunch of other perks. But, one thing you might not have thought of is “will my landlord require me to have renters insurance?” They might have told you your application looks good, and with a down payment, you’re all set to move in. But, in some cases, they might also require you to get renters insurance before finalizing the lease. That may make you wonder, can landlords require renters insurance? The answer is yes, landlords can require their tenants to…Read More

Posted on September 22nd, 2020 by admin

Hurricane season is here. That means that New Jersey home and business owners must keep a wary eye on the waters of the Atlantic and storms that may be making their way across the ocean or up the coastline. It’s important to take steps now, so that when the storms are knocking on your door, you can feel confident that you’ve taken every possible precaution to ensure that your home, family, and your property are as safe and secure as possible. 1) Protect Your Family Before storms are even on the horizon, you should have an emergency bag packed for…Read More

Posted on July 10th, 2020 by admin

Taking your kids swimming is an ideal way to help them (and you) keep cool this summer. But, as parents, you also want to make sure your kids are safe while spending the day at the pool or lake. These tips will help you keep your kids safe this summer while allowing your children to enjoy their time in the sun and around the water. 1. No one swims alone. This is perhaps the most important rule you can establish as a parent when it comes to children swimming. Accidents happen all the time and even the strongest swimmer can…Read More

Posted on March 30th, 2020 by admin

Allowing employees to work from home has notable perks for small business owners, like you. These include promoting a satisfied workforce and cutting down on office space expenses. However, among all of the telecommuting fanfare, there are still potential liabilities to consider. This is especially true when you have home-based business employees. Questions you should begin asking yourself include:  “What concerns should I have?”“What guidelines do I need to follow?”“Where can I obtain home workers insurance?” Work-from-home employees may expose your company to risks not currently covered by your small business insurance. Before you give employees the green light to forge their own paths…Read More

Posted on November 19th, 2019 by admin

Once considered a luxury coverage that only the largest businesses could afford, employment practices liability insurance, otherwise known as EPLI, is essential for businesses of all shapes and sizes. The more you understand about the many reasons why EPLI is no longer a discretionary option for small business owners and large corporations alike, the better prepared you will be to purchase the right EPLI protection to meet the needs of your business. What is Employment Practices Liability Insurance? As the name implies, the EPLI offers protection to businesses for offenses, or perceived offenses, against employees. These offenses can be related…Read More