Harrison, NJ Homeowners Insurance

If you live in Harrison, you’ve worked hard and know the value of the money you’ve earned. That hard work has paid off with owning a home for you and your family. Now you need to protect that home from any personal injury claims that might be filed by somebody who gets hurt on your property. All it takes is for the cable guy to trip on your front steps, tear the cartilage in his knee and break his arm trying to break his fall. Now you have a personal injury claim, and you have to defend it. That’s what homeowners insurance is for. Without it, you’re looking at paying thousands and thousands of out-of-pocket liability. You just don’t that that kind of money sitting around.

On a covered peril like the cable guy, homeowners insurance that we set you up with can pay his medical bills, lost earnings and any future permanency. If he sues you, it can even pay your court costs and retain attorneys to represent you, all at no cost to you after your deductible. That’s a pretty sweet deal.

We’re independent insurance agents right here in Harrison. We live and work in Zip Code 07029 just like you do. Our kids might even go to the same school. Because we’re independent agents, we offer homeowners insurance coverage from several different insurers, and not just from one giant super sized insurance company. Due to our unique position, we give you objective and unbiased choices of who your insurer will be, what coverage you’ll have and how much you’ll pay in premiums. Other agents just aren’t allowed to do that. If you’re looking for new homeowners insurance or want to increase your coverage, just call us. We’re happy to talk to you.

How To Protect Against A Sinking Foundation In Newark

Within Newark, NJ, residents are less than 15 miles away from New York City. Many people make the commute each day by car or by train into NYC for work. There’s a considerable number of homeowners within the city and there are various industries to support residents as well.

One of the worst things that could happen to your home in Newark, NJ 07107 is a sinking foundation. This is often caused by shifts within the soil after the home is constructed. As the soil shifts, the foundation can crack and literally begin to sink. This can lead to damages to the porch as well as throughout the interior of your home.

There are things you can do to protect against such problems. You will want to obtain a home inspection in NJ before you move into a home. If you notice any damage to the foundation, you can also have a company come in and provide additional support.

You will also want to look at your homeowners insurance policy within 07107. Your insurance may cover against a sinking foundation, porch problems, and more. However, there are going to be instances when it will and will not be covered. You don’t want to be denied a claim, so it’s important to read the fine print.

As you shop for homeowner’s insurance, you will want to look at maximizing the coverage to protect against anything. One of our agents can guide you through the process. This way your home in Newark will have the coverage you need to make repairs to the foundation or anything else that has been unexpectedly damaged. While homeowner’s insurance doesn’t take care of wear and tear, it does take care of other things.

Call and talk to one of our agents today so we can find a policy that is affordable and makes sense.