Homeowner’s coverage doesn’t have to be difficult to understand.
Homeowners & Condo
A homeowners policy is for people who own their own home. This may be either a house or a condominium: Essentially, if you are making payments on the home with ownership as the end goal you will need homeowners insurance. This type of policy will cover both the outside of the home and all the contents of your home. It will cover the majority of natural disasters (certain disasters like earthquakes may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property. If your home is broken into by a thief and items are stolen your insurance will help replace stolen items and pay for any damage in terms of vandalism that the thief did.
With a renter's policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowners policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential.
You may be very surprised to see the range of prices you'll get in home insurance quotes. You can sometimes save hundreds of dollars, or even more, simply by choosing one company over another. However, it is important that you get quotes only from reliable top carriers. Your local independent agent is the best resource for this since they can accumulate multiple quotes from the top carriers for you online. Your independent agency will give you the power to compare all the best policy options conveniently at home!
Contact Janix Insurance Group
1 Rossmoor Dr. Unit #130A
Monroe Twp., NJ 08831
T: (609) 318-0911
F: (201) 581-1906
Classic Car Insurance – Your classic car is an icon. Insure it well.
RV and Mobile Home Insurance – Home insurance for your home-on-the-road.
Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.
Auto Insurance – Get the right insurance coverage for your car, truck, van or
Motorcycle Insurance – Ride safe.
ATV and Motorsport Insurance – Insurance policies that cover all your toys.
The insurance protection you need when you’re on the move:
Collision Coverage – This is the basic insurance type that covers your vehicle if you collide into something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.
Comprehensive Coverage – This covers anything that may happen to your car that is not directly related to a collision. This would include things such as theft, fire, hitting a deer or vandalism.
Liability Coverage – This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.
Now that you understand a bit more about the different types of auto insurance available, you are probably ready to find the right coverage for you. The best way to do this is to work with an independent agency that will allow you to compare insurance quotes online. By doing this, you can rest assured you are getting the best deal as well as getting the personal attention you need.
Don't let an accident effect your finances!
An umbrella policy adds an additional layer of liability protection to your existing insurance. It’ll safeguard you against insurance gaps your primary insurance will never cover, and it shields you against the financial burden of exhaustive lawsuits. As your underlying liability limits run out of funds, all of your hard-earned assets become an unwelcome financial resource to pay legal settlements. This includes your cars, your home, any retirement accounts, vacation/rental homes, watercraft, and any businesses you own. Even the future income you intend to earn from your assets are at risk. So, when considering what’s really at risk, we consider an umbrella policy a low-cost, yet extraordinarily powerful, a financial planning tool that ensures your investments will still be there for you in the future.
Request a Free Personal Umbrella Insurance Quote
What Type of Policy Is Right for You?
One of the most important decisions you need to make is what type of insurance is right for your situation. The biggest factor to consider is time.
With whole life insurance, the individual is covered for their entire lifetime. This type of policy allows you to borrow from it over your life, too. It can even be a part of your estate plan.
Term life insurance is in place for a set amount of time. This type of policy is less expensive, but provides your family with financial protection when it is most at risk, such as when you have a mortgage to pay and dependents relying on your income.
There are other options to take into consideration. Child life insurance policies provide financial aid to cover medical costs for the death of a child. Other options include accident death, critical illness, long-term care policies, final expense coverage, and disability insurance. Any can be a good investment for you.
Finding the Right Policy
To ensure you get the right type of policy as well as the most affordable option, discuss your needs with an independent agent. You can get a comparative quote for policies available to you right away. You are not getting a quote from just one insurance provider, though. Rather, you'll receive a quote from numerous local providers through your agent so you can compare your options. That way, you get the best policy for your needs and your budget.