If you are a homeowner in the New Jersey area, it is important to educate yourself on the types of insurance coverage you need to bind for your property. While you may have homeowners insurance, many are unaware that the standard home insurance policy excludes coverage for floods in most situations. Separate flood insurance New Jersey policies must be purchased to protect your home against damages caused by an overflow of water. Flood...more
Understanding How Your Florida Insurance Policy Is Rated Drivers are legally required to carry auto insurance in the state of Florida in order to comply to state mandated laws. While the state minimum limits are very minimal, you will be required to maintain Bodily Injury and Property Damage coverage to operate your registered vehicle on public roadways. When you are receiving quotes from various Florida insurers, it is important to...more
The protection of your health and assets is important no matter where you are. In Florida, protecting your health and assets in is especially so and is more expensive than in most other states. According to the National Association of Insurance commissioners, home, health and auto insurance in Florida are amongst the countrys highest average rates. One group of policy seekers can look on the bright side. Renters looking to insure themselves are paying on average only $202 annually for renters insurance, which was slightly less than both California and Texas. Compared to other rates this price seems reasonable, but offers little comfort for homeowners.The higher cost of auto insurance in Florida is not incredibly surprising of course, considering Floridas high risk for natural disasters. The average price of a basic liability policy is just over $84, which is close to twice the average cost in lower-risk states like Washington and Idaho. Of course, these averages refer to only basic liability. This is the bare minimum, the least expensive and offers the least amount of coverage. In Florida, or anywhere else, this can be a major gamble.Homeowners insurance in Florida is also...more
The correct way Senior citizens Can find the very best Insurance Policy While selecting the most appropriate life insurance product is important at any age, it is particularly important for seniors. Term life will come with lower premiums, but not with a cash-building feature. A permanent life policy will be in effect for the lifetime of the...more
Information About Insurance in Califon, NJ Residents of Califon, NJ are required by the law to have three different kinds of auto insurance to legally operate a vehicle. All residents of New Jersey must have liability insurance. In addition, they must have personal injury coverage as well as coverage fro uninsured motorists. Failure to carry...more
Find The Best Trip Cancellation Insurance For You - 5 Tips Traveling is always safer and more fun when you are backed by travel insurance. Insurance is and always has been mostly about buying peace of mind before engaging in certain activities, like driving or traveling.Typical insurance policies cover all of the expected things that can happen . . . well . . . unexpectedly while you are away, including: trip cancellations (by the carrier or tour agency), lost baggage, and medical expenses.However, there is another type of coverage that is less commonly-purchased than all of these, and yet that some types of travelers prefer to buy: trip cancellation insurance that allows the traveler (rather than the carrier/agency) to cancel the trip for any reason before they embark.If you are looking for the best trip cancellation insurance for you, here are 5 tips for landing yourself the best policy:1. Determine what type of standard insurance coverage you will need:Before buying your cancel-for-any-reason insurance policy, decide what other types of standard coverage you will need. For example, if you are going by plane, consider lost luggage insurance. If you are going to be in risky...more
The Basics of Motorcycle Insurance For millions of riders, the motorcycle represents a means to freedom. The open road and the feel of wind on one's face is as close as modern man can get to a truly individual mode of transportation. ...more
All about Bodily Injury on Insurance Rates In order to operate a vehicle on a public road, you are required by law to have at the very least liability insurance. Much of a premium's cost comes from this coverage. By having a higher...more
Everything to Know about Insurance Premiums Almost everyone has heard the term "insurance premium" and the vast majority of Americans make regular premium payments to one insurance company or another. But many people have no real...more
Apartment Building Insurance-NCAIG The National Condo & Apartment Insurance Group is here to provide you with the best possible insurance products for your Real Estate Insurance needs and specialize in products that protect your investments in...more
Small Business Insurance:"Policies For This, Policies For That. As If I Haven't Got Enough To Think About." It's there somewhere on your master check list. You know you need to do something about it. But somehow, with all...more
Professional Indemnity Insurance:Yes, you can cut costs without cutting corners You know what they say - if it sounds too good to be true, it probably is. A sound maxim most of the time. But not necessarily when it comes to professional...more