Don’t Scrooge Yourself – 7 Holiday Disasters To Avoid

It’s the most wonderful time of the year – but before you get that sentimental feeling and start rocking around the Christmas tree, take a moment to consider the potential disasters that could make it a not so wonderful life. Here are seven holiday disasters to avoid this year: Fire caused by decorations Clean your chimney before lighting the first … Read More

Homeowners Insurance: What’s the difference between HO-3 vs HO-5?

Homeowners Insurance: What’s the difference between HO-3 and HO-5?

Have you ever seen or heard the terms ‘HO-3’ or ‘HO-5’ when going to purchase homeowners insurance and what they mean or how they impact your coverage? Most homeowners think that all homeowners insurance is the same. But read on to learn the definition of these terms and discover which policy might work best for you and your family. Homeowners … Read More

Are You Riding With The Right Motorcycle Insurance?

Spring Is Motorcycle Season

Spring is motorcycle season – the time when motorcycle enthusiasts everywhere get to finally break free from their four-wheeled cages and hit the road. If your baby’s been sitting in the garage all winter, you’ve been looking forward to that first ride of the season like man wandering in the desert looking for a cool drink of water. But before … Read More

Get Peace of Mind with Uninsured & Underinsured Motorist Coverage

Get Peace of Mind Today with Uninsured Motorist and Underinsured Motorist Coverage

You’re a responsible driver – so you’ve likely never thought about what would happen if you were to be hit by an uninsured (UM) or underinsured (UIM) driver. But did you know that 1 in 8 drivers are uninsured, causing $2.6B in insurance claims? That accounts for almost 13% of drivers. You may not think this affects you since you’re properly … Read More

What is Private Mortgage Insurance?

What is Private Mortgage Insurance (PMI)?

Thanks to tighter regulations and lending restrictions after the housing crisis and recession of 2008, some first-time homebuyers mistakenly believe that they can’t afford to buy a home because they’re unable to save 20% for the downpayment. However, that’s not entirely true. A 20% downpayment is only required to avoid paying for private mortgage insurance or PMI. The truth is if … Read More

Homeowners Insurance: What is it and do you really need it?

Homeowners insurance

When it comes to purchasing homeowners insurance in NJ to protect your home and family, it’s helpful to know exactly a homeowners insurance policy is, what’s covered, what’s excluded, and whether you really need it. What is homeowners insurance? Homeowners insurance is defined as a form of property insurance designed to protect an individual’s home against damages to the house … Read More

All You Need Is Love…and Protection

If you’re planning to surprise your significant other with an engagement ring or other fine jewelry as part of your Valentine’s Day celebration this weekend, consider giving yourself the gift of ‘peace of mind’. Most personal property can be covered under your standard homeowners or renters’ policy. But your standard coverage may only cover a portion of the ring or … Read More

Tips to Keep Your Home Cozy in the Winter Months

Brace yourselves – Winter is here. Before you turn up the thermostat and curl up on the couch in your warmest hoodie or blanket, be sure to address the following items to avoid dealing with some winter woes. Check Your Heating System Schedule a professional checkup and cleaning of your home’s heating system before you need to turn it on. … Read More

10 Cyber Security Mistakes Your Business Needs To Avoid

cyber liability and data breach

Hackers gonna hack. Each year, an increasing number of small to medium-sized business suffer a cyber attack or data breach. You should never underestimate the potentially crippling effects of a cyber breach or assume that your company is too small, too big or too protected to become a target. Any business that collects customer data, such as dates of birth, … Read More

Stranger Things (Probably) Covered By Your Homeowners Insurance

Stranger Things Probably Covered By Your Homeowners Insurance

A new national consumer survey commissioned by Trusted Choice and the Independent Insurance Agents & Brokers of America (the Big “I”), reveals that many homeowners lack adequate insurance coverage and do not fully understand their homeowners insurance policies. To make matters worst, at least 28 percent of homeowners polled do not have enough savings to support their households for even … Read More