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Posted on April 10th, 2018 by admin

Renters insurance is something many people, especially those who need it most, have never heard of. But, for people who rent, it is essential protection for their financial well-being. Whether you are asking, “Should I get renters insurance?” or not, the answer is simple. You should. Renters insurance offers affordable, essential protection for you and your family. Look at it this way: You’ve moved into your dream apartment and furnished it with beautiful furniture, decorated it to look like a model home, and filled it with your treasured belongings and precious collectibles. The value of all these items can add…Read More

Posted on February 15th, 2018 by admin

Once you have decided to drive for a rideshare program like Uber or Lyft, your next thought should be about insurance protection and the options available to you. Your personal auto policy is not going to cover your rideshare activities. Some insurance providers may even drop you from coverage if they find out you participate without notifying them. With that in mind, what are your options for insurance protection? Why Don’t Rideshare Companies Offer Insurance Coverage? Ultimately, both Uber and Lyft do offer insurance protection, but with limited protection to drivers.  To understand how limited the policies are, you first…Read More

Posted on November 29th, 2017 by admin

Because…… We offer a choice of insurance products from many different insurance companies We will give you objective advice because we’re not employed by an insurance company, we work for you We will help you find the right coverage, at an affordable price We can access companies that offer insurance coverage for unique or hard to place risks We are licensed agents and attend many continuing education sessions to help our customers make complex insurance decisions based upon their individual needs, not one size fits all We’re local, you can visit our office during the business day and meet with…Read More

Posted on August 22nd, 2017 by admin

For many people, the formula used to determine insurance rates may look like a mythical magic 8-ball type of voodoo. But in fact, there are highly-evolved formulas that help insurance companies identify the risks they are taking on when issuing your insurance. You may have an identical driving score, the same number of tickets, driving experience, etc. as someone else, but a wholly different insurance score. That score determines how low or high your insurance premiums will be. What is an Insurance Score? Before you can understand how it affects your premium, you first need to know what is an…Read More

Posted on April 11th, 2017 by admin

Many of us consider saving money to be important. One way to save money is to figure out how to lower car insurance payments. Owning a vehicle and keeping it maintained can be expensive, but if you reduce your auto insurance bill, it can really help. You’ll be happy to know that it can be easy to bring down your rates with a few tricks up your sleeve. Below are 5 ways to lower the cost of your insurance premiums. 1) Drive Carefully After speeding tickets or after an accident, your insurance premium could increase. You can actually save money…Read More

Posted on March 9th, 2017 by admin

There has been a recent rise in transactions that involve opening your home to strangers who are traveling for vacation, business, attendance at local events, or other reasons. These transactions may include sharing (renting) your entire home to people from different parts of the country, or it may involve renting only rooms in your home to provide a bedroom, sofa bed, or futon, and sometimes breakfast as part of the transaction. Whether you live near Churchill Downs and rent your home out to people traveling for the Kentucky Derby, sublet your Warehouse District loft in New Orleans for Mardi Gras,…Read More

Posted on February 22nd, 2017 by admin

Do you know how easy it is to fall victim to identity theft or have a personal data breach happen to you? With new technologies continuing to emerge and our dependence on them increasing, each day there are more online activities taking place such as paying bills, filing taxes, and shopping online. With the rise in cybercrime today, you can never be too careful. You can reduce your risk of becoming a victim of identity theft by keeping your personal information protected. Here are a few ways for you to protect your personal information. Ensure You Use Strong Passwords You…Read More

Posted on January 20th, 2017 by admin

Many people never think about insurance until they need it. That’s the way insurance is supposed to work. But sometimes your existing liability coverage is insufficient for your needs. This can happen if you entertain in your home, have a business in your home , if you volunteer at school or in sports, or if you have an automobile, a swimming pool, or a boat, as well as in countless other situations. That is where personal umbrella policies come into play. They provide coverage that goes above and beyond the limits of your existing liability coverage to fill in gaps…Read More

Posted on October 11th, 2016 by admin

Buying a new car is an expensive proposition in its own right. One thing that many people fail to consider when comparing the costs from one car to the next is the insurance costs involved in the purchase. The truth is that some cars are more expensive to insure than others. Choosing wisely can help you keep your car payments and insurance costs well within budget. Insurance Center of North Jersey believes that it is always best to make informed decisions when making major purchases, like new cars. These are the most expensive cars to insurance in 2016 according to…Read More

Posted on September 14th, 2016 by admin

If you haven’t read part 1 and part 2 of our data breach series yet, please do so here: What Are The Various Forms of Data Breach? What Can You Do To Prevent a Data Breach? Data breach liability insurance is a must for businesses operating in today’s technology driven business climate. Finding the right coverage to meet your data breach liability needs is critically important. In order to do that, look for policies that offer the following types of coverage to your business. Data Forensics and Legal Assistance in Determining Scale and Scope of Breach The ability to track,…Read More