Homeowners insurance is something every homeowner must have. Although most homeowner’s policies cover a wide breadth of issues, they are not completely comprehensive. Many insurance companies offer riders for homeowners who wish to fill the gaps that are left by their homeowner’s policies. Riders are usually inexpensive, and the peace...

Every homeowner must purchase homeowner’s insurance. It is part of the reality of owning a home. However, it is an expense that can easily become exorbitant if a homeowner is not careful. Thankfully, many insurance companies offer discounts that help to defray the costs of this type of insurance. Following...

Homeowners insurance is an all-encompassing type of policy that covers damage to the property as well as liability for occurrences on the property. It is a must-have for anyone who owns a home in New Jersey. Before purchasing a homeowners policy, there is some basic information that every consumer should...

Homeowners insurance is one of the most important insurance policies to have. Our homes and everything inside them are typically our most prized possessions and most highly valued assets. If these assets are not properly protected by insurance, the cost of replacing them can result in financial ruin. Insurance policies...

Homeowners insurance is a necessary expense for anyone who owns a home in New Jersey. Oftentimes when this type of insurance is purchased, the homeowner will either go with the cheapest option available or simply pick a policy without fully looking at exactly what is covered. The result of hastily...

When searching for the perfect homeowner’s insurance for you, may end up asking yourself, “What is a rider? Should I get one? Should I get multiple?” The easiest way to begin answering those questions is by defining what a rider is, how it can benefit you and offer you some...

Before purchasing homeowners insurance, it is important to understand how insurance providers calculate your coverage and rates. The State of New Jersey’s Department of Banking and Insurance (DoBI) is a great resource when it comes to researching the laws and regulations on what can and cannot be taken into consideration...

As unlikely as it seems that those events we see on TV such fires, thefts, hurricanes can happen to us, the truth is that disaster can strike anyone at any time. That’s why it’s best to be prepared for anything, and this includes purchasing homeowners insurance to protect your home...

Most homeowners know the importance of including a fire accident clause in the home insurance policy and most insurers offer this coverage by default. However, one aspect that is often overlooked is that considerable damage can be wrought by smoke too. It is imperative for you to verify that your...