With more than 80 years of experience serving North Jersey, including NJ, NY, and PA, Insurance Center of North Jersey offers the perfect combination of personal insurance products to meet the needs of all New Jersey families. Whether you’re in Bergen County, NJ or much farther away, we are committed to offering you intelligent insurance options with outstanding personalized service to meet your needs and those of your family best.
Personal insurance is a sort of catch-all phrase that involves a wide range of insurance coverage types that everyone needs at some point in life or another. These are among the most common types of personal coverage types we offer that most New Jersey families need.
It’s illegal to drive uninsured cars in the state of New Jersey. While there are many different types of auto coverage available, everyone needs liability insurance, at minimum, to simply comply with state law. Other types of auto insurance you may be interested in purchasing for personal protection, however, includes the following.
- Medical Payments
- Personal Injury Protection (PIP)
- Uninsured/Underinsured Motorist
Discuss your options, your needs, and your budget with us so we can help you come up with a protection plan that meets your needs at a price you can afford. In addition to automobiles, don’t forget to insure your personal watercraft and recreational vehicles as well.
Your home is a major investment and an important place to you and your family. While it’s so much more than the walls and possessions it holds, when disaster strikes, and those things are lost to you, the right insurance protection can help you regain your sense of security and normalcy by helping you put your home back together and replace many of the items that were lost due to covered events, theft, and more.
Additionally, if someone is injured or someone’s property is damaged on your property (for instance if a tree from your property falls onto a neighbor’s car), liability insurance helps to cover your court costs and court appointed payouts – up to the property liability coverage limits.
While most condo associations cover insurance for the structure, it’s wise to consider purchasing insurance of your own because the condo association insurance only covers the basic costs and not the upgrades you’ve made to the unit including floor coverings, cabinetry, wall coverings, bathroom, and kitchen fixtures, etc. These are all huge expenses that will be otherwise placed on your shoulders if your condo is damaged or destroyed by a covered event. You’ll also need to have adequate coverage for the furnishings and other content inside your condo. Additional coverage for loss assessment, which offers protection for damages you might be held responsible for by your condo association, and liability, if guests are hurt in your unit or their belongings are damaged, can be taken out.
Renters insurance covers the contents of your apartment that are destroyed by covered events. These covered events will vary according to individual policies as well as coverage limits. If you have items that are particularly valuable (such as jewelry, antiques, fine arts, collectibles, or electronics), you might consider rider policies to cover them. Renters insurance also covers some degree of liability if people are injured on your rental property.
Personal Liability Umbrella Policy
While most people who have either homeowners, condo, renters, or auto insurance have some degree of liability protection, it is not uncommon for courts to make awards that go above and beyond the limits of a standard homeowner’s policy. An umbrella policy kicks in to provide coverage once the existing policy limits are exhausted.
The costs of medical care can add up quickly for the uninsured. The costs of failing to get necessary medical care due to worries over costs, however, are greater still. Whether you’re looking for a major medical policy to protect your family or a policy to work in conjunction with an existing policy for added coverage, we’ve got health insurance products that are sure to meet your personal coverage needs.
This can be one of the most difficult to choose and decide to buy for North Jersey residents who prefer to live life to its fullest and do not like to dwell on end of life decisions. However, it’s important to protect the people you love in the event that you’re no longer around to play this important role in their lives for them.
We can help you sort out the details and choose the policy that best meets the needs of your family according to your situation.