Taking steps to protect your home can be complicated, but most basic homeowner’s policies in Newark, NJ will have solutions to help repair fire damage and related situations. The key is identifying the situations that are covered and the potential clauses that may prevent you from making a claim on your current plan.

Accidental Fires

In most cases, accidental fire damage is covered by the basic home policy. Accidental fires can be caused by a variety of factors, so it may be possible that certain exceptions or clauses may apply to the particular situation. Depending on the fire and the amount of damage, some insurers may provide partial protection to help replace the carpeting that was ruined by the flames.

Accidental fires can start from several sources, such as a candle, cigarette or even the home’s electrical system. In many cases, the insurer will offer coverage to repair the damages.

Exceptions in the Policy

Even though you may have coverage against fire damage, it is possible that an exception may apply to your situation. For example, if an insurer has an exception related to candles, then a fire that you accidentally started by knocking over a candle may not be covered.

Exceptions in any policy can vary based on the plan you purchased, the insurer and any special clauses that you or the insurer added. Evaluate your plan to determine if you have coverage for the specific situation to avoid any miscalculations or potential problems.

A fire is usually covered by a homeowner’s plan, but the details of the situation may impact the amount that you are given for repairs. Contact us to talk to an agent for more information about making a claim.

When your home insurance policy protects you from high-cost bills after a dog attack, you may wonder about the potential clauses, conditions and exceptions that may apply. Depending on your policy and the details of your plan, it may be possible to make a claim on your policy if your dog bites or attacks a person on the sidewalk or street in front of your house.

Identifying Property Lines

Depending on the insurance policy and your home, the property lines may or may not play a role in determining if you can make a claim. Some insurers will only pay for attacks that take place on your property while other insurance providers may pay for injuries that occur on the sidewalk or street in front of your house.

If you must identify a property line, then it may extend to the sidewalk or it may stop before reaching the sidewalk. Some insurers may include the sidewalk, but not the street.

Making a Claim

Evaluate your policy to determine if you have coverage for the specific situation. In many cases, insurers will pay for the attack if it happens directly in front of your house, but the specific details can vary.

Making a claim will depend on the situation. In many cases, you will need to contact your insurer as soon as the attack occurs and then provide proof of the cost of medical bills when the bills are available.

As a pet owner, you are responsible for the actions of your dog. If a dog attack occurs in front of your house, then your home insurance policy may offer some financial relief for the medical bills. Contact us to talk to an agent for more information.

Squirrels and other animals that are found in the area around your house can cause unexpected damage to your property. The animals may chew through wood or even damage electrical wires by chewing on them. When your home in Newark, NJ has been damaged by a squirrel, it may be possible to make a claim on your homeowners insurance policy.

The Policy Details

Ultimately, the details of your current policy will play a significant role in the ability to make a claim. Every homeowners insurance plan is different and the details about what is covered and what is not may vary.

Evaluate your policy to determine if you are covered against damage from animals. Some insurers may specify situations that are covered while others may cover several situations as long as they are out of your personal control and do not relate to regular maintenance. In some cases, you may have clauses or exceptions that exclude damage from squirrels, so read the policy thoroughly before you make a claim.

Paying for Damages

In many cases, insurers will pay for the damages to your wiring system and the house after a squirrel has caused damages. The amount that is available to repair the problem may vary based on your current policy. Insurers may offer a set percentage based on the situation, so you may or may not be able to make a claim for the full amount.

Squirrels and other animals can cause damage to your property, but the coverage and the details regarding the claims process can seem complicated. Depending on your plan, you may or may not be covered against certain damages from animals. Contact us to talk to an agent for more information about your policy options.

A leak in your roof can result in high-cost repairs. In some cases, you may need to change the entire roof before you are able to fix the damages. Before putting in a new roof, you may want to consider the materials and look for a water proof option. Depending on your insurer and the policy that you own, it may be possible to apply a discount to your homeowner’s policy in Newark, New Jersey if you put in a water proof roof.

Differences between Insurers

Although some insurers may offer a discount on your home insurance if you put in a new roof, the change may not yield a discount with other insurers. Your home is covered for certain concerns, but the details of any policy can vary.

Every insurer is different, so the possibility of applying a reduced rate to your coverage may vary. In some cases, you may have reduced rates available through your insurance company.

Applying a Discount

If you discover that certain materials will result in a lower price on your monthly payments, then it is best to make that change when you already have a leak. After the change is complete, contact your insurer and ask for a discounted rate. The insurer may ask for some additional information and details regarding the materials, so provide any information that is requested. Depending on the company, the amount that you will save on a monthly basis can vary.

Discounted rates and methods of reducing your monthly payments can vary between insurers and the policy that you purchase. In some cases, you may have options available to cut back on your monthly payments. Contact us to talk to an independent agent to learn more about protecting your home.

Finding the right home insurance in Newark, New Jersey is an important part of protecting your personal assets. There are a few key factors that you will want to consider as a homeowner before you buy any coverage.

Determine Your Concerns

The concerns that are associated with your home will impact the insurance coverage that is appropriate for your house. You want to be covered for all of the concerns, regardless of how large or small they might seem.

Make a list of all of your concerns before you look for coverage. Consider liability, personal belongings and the value of your home along with any other worries that may relate to the house. Identify any situation that may damage your property so that you can obtain appropriate coverage.

Evaluate the Risks

Your concerns are only one of the factors that may impact your coverage. You will also want to evaluate the risks associated with your property. For example, if you have a pool in the yard, then you will have a higher risk of injuries and therefore you may need more liability protection.

Identify all of the risks in your home, including potential flooding or possible injuries that may occur. You want to have enough coverage to protect your home from all of the risks that are associated with the property, regardless of the situation.

Buying a new house requires an appropriate insurance policy to protect your assets. If you do not obtain coverage to protect your house against the possible risks and all of your concerns, then you may face unexpected costs in the future. Contact us to talk to an independent agent for more details about your coverage options.

When a fire occurs in your home, you may be covered for the damages in Newark, New Jersey. The problem is that when the accident causes you to lose the records regarding your coverage amount and the details of your policy, it may be hard to determine if you can make a claim. Before you make a claim on your homeowner’s insurance policy, replace your policy records.

Contact Your Insurer

The basic policy and agreement with your insurer will usually be available through your insurer. Contact the company and speak to a customer service representative. Explain the situation and ask for a copy of your records to be sent to your home or office address.

Depending on the extent of your records, the insurer will usually have a copy of the basic policy and any documents that you sent as proof of ownership at the time you apply for your coverage.

Contact Other Companies

If you have lost any other important documents, then contacting the appropriate company or authority associated with those papers will be necessary. Ask for a copy of the documents and records, particularly if it is the deed to your home, estimates of the value of your property or any other related paperwork that may have been lost when the fire accident occurred. Depending on the documents that you have lost, it may take time before you receive all of the copies that you request.

An accident that results in the loss of documents can seem complicated, but it is usually possible to replace most of the paperwork by contacting your insurer and any company associated with the paperwork. To learn more, call us to talk to an independent agent today.

In most cases, homeowners do not need to add a joint policy holder to their homeowners insurance policy. Some times, though, adding another policy holder has several benefits. Here are some of the advantages homeowners might see by adding a joint policy holder.

Another Person to Manage the Policy

Only those named as policy holders are authorized to manage the policy; policy holders can increase coverage, decrease coverage and make other changes to the policy. If there is only one policy holder listed on the policy, then only he or she is able to make any changes. He or she must be the person who calls the insurance company when there is a coverage question or a claim.

Adding a joint policy holder gives another person permission to communicate with the insurance company. If the first policy holder is too busy to call the insurance company, then the joint policy holder can communicate with an agent.

Possibly Lower Premiums

Some homeowners in Newark, New Jersey have also been able to lower their homeowners insurance premiums by adding a joint policy holder. There are many factors that determine what a policy’s premiums are, and who is listed as the policy holder(s) is one such factor. Sometimes, listing an additional person has a beneficial effect on a policy’s cost.

Residents of Newark, New Jersey who are curious about the possible advantages of adding another policy holder should contact us. As experienced insurance agents, we are able to help homeowners compare all of their insurance options and explore what combination of coverage is best for their situation. An independent agent at our office would love to help you see if adding another policy holder is a wise choice for your situation.

People in Newark, New Jersey, as well as Livingston and Montclair, will find that having proof of their home’s contents really can make a difference when it comes to filing a claim later on. Though the insurance provider will tell you specifically what to show proof of, it is never a bad idea to have a detailed list showing exactly what you own.

Why Does It Matter?

Many insurance policies provide specific coverage on the content in a home. If you wish to ensure coverage of your items and belongings, it is a good idea to have some type of proof of ownership. In order to prove ownership, produce some type of proof you own the item, such as:

• You can take photos of each of the items with a date on them.
• You can hold onto the bills, or receipts, for those items.
• You can also simply show them to your agent so he or she can take note of the item.

Keep in mind, homeowners should follow their agent’s specific guidelines on establishing proof of ownership. That way, if the item is damaged, lost, or stolen, it may be possible to place a claim on that item with the insurance provider. Without this type of proof, though, the insurance company may not be willing to provide funds to cover the claim.

Getting Help

Individuals seeking a new insurance provider should utilize our independent agent for guidance. Let us help you to find the right provider for you to ensure all of your home’s belongings are properly covered. Every step you take to protect your home is a good one, as long as you make the right buying decisions. Our independent agent can help you to do just that by helping you to find the right provider of affordable, ample insurance coverage.

Purchasing content insurance for your home in Newark, New Jersey can seem complicated. You may be tempted to use the policy that your mortgage provider suggests when you are ready to make a purchase. Before you assume that the insurance is appropriate for your needs, it is best to compare your options.

Insurance Through the Mortgage Provider

Although a mortgage provider may offer insurance to residents of Livingston or Montclair, it is not always the best choices for your personal needs. Ask yourself one question: "Is this the best option for my goals and plans?" If it is not, then you want to look elsewhere for your coverage.

Your lender may require some type of coverage for your home, but that does not mean that the contents are included in their minimum standards. In many cases, you may find a better policy if you look elsewhere.

Work With an Agent

When you work with an independent agent to find the right plan for your needs and budget, you may discover that the policy available through your lender is actually inappropriate. An agent can help you compare prices and coverage options so that you get the best deal and the right amount of protection.

It is not always the best idea to go to a lender for insurance coverage. A lender is primarily concerned with your loan and the property tied to your loan, not the other belongings that you keep in the house. You may have better options if you take the time to compare prices, coverage and different insurance providers in the Newark area. To learn more about protecting the contents of your home, call us today to talk to an independent agent.

When you first get an insurance policy for your home there is a good chance that they will order an inspection before the policy can be issued. The purpose of the inspection is to make sure that the home has been properly maintained. When it comes time to renew your home policy there is good chance that they may inspect it again in Newark, New Jersey. Here are some things that you will need to know when it comes to the inspection and making changes to your home.

What You Can Expect During a Home Inspection for Insurance Purposes

· A home inspection can take place at anytime. If the company finds something that was not disclosed during the interview phase, they might end up asking you to correct the issue.

· One such issue is the addition of a trampoline. Most insurance companies will not issue a policy to homes with these devices. If they find that you have one, then you may end up losing your coverage.

· If the company finds anything structurally that is a high risk item, then you may be asked to fix the issue before the policy can be issued or extended.

· Once the problem has been fixed you will need to provide proof that is fixed so your policy can continue.

If you have any questions about your home insurance and live in the Livingston or Montclair, New Jersey area, then you need to call your independent agent today. As your agent we can help you work through all of your questions regarding your insurance needs. It is very important for you to call us today so we can give you the information you need to keep your policy in good working order.