The purchase of your home, is likely going to be the largest investments that you ever make. Because you invest such a great deal of time and money into your home, it is important that you protect it, through home insurance NJ. When you meet with your insurance agent at Sanford Insurance in NJ, it is important to know what your homeowners insurance NJ covers, and what it does not.
Structural Damage: If your home is damaged or destroyed in a fire, hurricane, during a lightening storm, or in a hail storm, your home would be covered. There are also other disasters which are covered. Two which are not covered, however, are floods and earthquakes. If you want flood or earthquake coverage, you can purchase a separate policy. It is important that your policy will cover enough for you to rebuild your home if necessary.
Personal Belongings: If your home is broken into, and your personal belongings are stolen, they would be covered under your homeowners insurance NJ. Also, any personal belongings that are damaged or destroyed in any of the covered disasters would also be covered. Most standard policies also cover your belongings if they are stolen or damaged in places other than in your home.
Liability: If someone is injured on your property, your homeowner’s insurance will cover the accident, to protect you from a lawsuit. Their medical expenses, pain and classic car insurance suffering, and lost wages would all be covered under your policy.
Temporary Housing: If your home is destroyed or damaged, and it is unsafe for habitation, your homeowner’s insurance would cover the cost of your lodging, meals, and any other expenses incurred while your home is being repaired or rebuilt.
Most people spend a great deal of money on their vehicles as well as their home. It is necessary to have NJ auto insurance to legally register and drive your vehicle. When you purchase an auto insurance policy, you have a couple options.
Full Coverage: Full coverage insurance will cover both your vehicle and the other driver’s vehicle if you are in an accident which was your fault. It will also cover the occupants in both vehicles.
Liability: Liability insurance will only cover the other driver’s vehicle and occupants if you cause an accident. If your vehicle is damaged, or any of the occupants in your vehicle are injured, you would be financially responsible.
It is very important to have insurance on your home and vehicle. Insurance will ensure that you are protected if anything should happen.
Sanford Insurance in NJ 