Your home is a sanctuary for your family, your pets, and your prized possessions. But it’s not indestructible. Although the bank requires you to cover it with insurance, you should keep it insured even after your mortgage is paid off. You will want the funds to repair or rebuild your sanctuary in the event that a fire or some other peril ravages it. Generally you will want to insure for replacement cost of the house itself as well as on the contents, that is, your furniture, clothes, appliances, etc. It’s also wise to add coverage for additional living expenses; let the insurance company put you up in a comfortable hotel or rented home while your home is being rebuilt! It’s worth paying a few extra bucks so you won’t have to move in with your in-laws. Now that’s peace of mind!
You may not currently have all the coverage you need. To be fully understood, the Declarations page must be read in the context of the entire policy form. We will be happy to read your policy cover-to-cover and explain what it means for you. You’re entitled to clear explanations of coverage from your insurance agent but most people are too busy to hear it all. Don’t worry. We can summarize. And if you want to hear it in great detail, we’ll oblige and even serve you coffee to help you stay awake. So whether you own your home or rent it, or even if you are a landlord or investor in residential real estate, Beacon Insurance Agency can help you get the coverage you need. Homeowners, renters, condo, and landlords insurance is available from the following dependable insurance companies:
AIG Private Client Group
New Jersey Skylands
Hyundai Marine and Fire
Universal North America Insurance Company
Finally, the New Jersey Department of Banking and Insurance has useful information for consumers. Click Here to learn more. Put us to work finding the right protection for the place you love most!
Call Beacon Insurance Agency today at (908) 236-7700.
Trust Beacon to guide you in selecting a suitable policy, whether you are interested in Life, Disability, Auto, Homeowner's, Annuities, or Business Insurance.
Let's Talk! (908) 236-7700