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Personal insurance throughout New Jersey in Frenchtown, Milford, Phillipsburg and Flemington. Also, in Easton and Bucks County, PA.
Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.
Our insurance advisors take time to understand your unique needs, identify and eliminate gaps in coverage that might leave you exposed and create custom plans that fit your life. From auto insurance to home insurance, we’re in the business of helping people protect what they value and have worked so hard to build.
See Personal Insurance
Which insurance solution is right for your family?
Explore how having the right insurance can protect you from the unexpected.
Fire
Risk Factor
Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.
Solution
Make sure your homeowners policy contains guaranteed replacement cost coverage. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. Also be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.
Personal Property / Contents - Property Damage
Risk Factor
When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.
Solution
Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.
Additional Living Expense / Loss of Use
Risk Factor
When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.
Solution
Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
Jewelry, Fine Arts, and Collectables
Risk Factor
If your diamond ring disappears or valuable artwork is stolen, your standard homeowners policy may not compensate you for the loss. Homeowners policies include coverage for your belongings and personal property, but some special items like jewelry, furs, silverware, antiques, collectibles, and other valuables have limited or no coverage and need to be insured separately.
Solution
Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance. For most valuable possession categories, there is no deductible applied at time of loss. Valuable possessions insurance can be added to your homeowners policy or may be written as a separate policy.
Medical Expenses
Risk Factor
If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.
Solution
Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.
Personal Liability
Risk Factor
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
Solution
Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.
Miscellaneous Coverage
Risk Factor
The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.
Solution
You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.
Personal Injury
Risk Factor
Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.
Solution
Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it may not cover rumors or statements that damage a reputation. You need to add an endorsement to your policy to expand coverage to include liability protection that covers personal injury.
Umbrella / Excess Liability Coverage
Risk Factor
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
Solution
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
Flood Coverage
Risk Factor
You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?
Solution
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.
Secondary Home
Risk Factor
Owning a secondary home has the potential of increasing your liability exposures.
Solution
Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.
Collector Cars
Risk Factor
Collector vehicles often have significant value and require specialized insurance coverage and claims handling.
Solution
Schedule your collectible vehicle on a separate collector car policy. By doing so, you are protecting the vehicle for either the appraised value or market value.
Wine Collection
Risk Factor
If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.
Solution
If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.
Water Backup
Risk Factor
Most homeowners policies exclude coverage for water back-up damages as a result of a clogged drain, sewer, or sump pump.
Solution
Water backup coverage can be added to most insurance policies. Consider adding it so that you have the coverage you need in the event of damages caused by a clogged drain, sewer, sump pump, and related risks.
Off-Premises Theft
Risk Factor
Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.
Solution
Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.
Home Insurance
Your home is one of your biggest assets, and it's important to do all that you can to protect it. We'll help you plan for the unexpected with insurance coverage that's just right for you and your family.
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Auto Insurance
Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We'll make sure you have the protection you need at a price you can afford.
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Renters Insurance
When you rent or lease, your landlord's insurance usually only protects the building itself—not your personal belongings. We'll design coverage to protect your personal property and your lifestyle while renting.
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Condo Insurance
The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We'll make sure you understand your bylaws and have the protection you need.
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Motorcycle Insurance
While you're on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We'll help you hit the road with smart, customized coverage—no matter what journeys you find yourself on.
Off-Road Vehicle Insurance
Your off-road vehicle needs protection that's different from what your auto or homeowners insurance can provide. We'll help keep you and your off-road vehicle safe and secure while you explore.
RV Insurance
Whether you're planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We'll work with you to make sure owning an RV is a rewarding experience, and also a safe one.
Snowmobile Insurance
Your snowmobile is used for recreation, but that doesn't mean that there aren't any risks involved. Snowmobile insurance covers the financial risks associated with owning a snowmobile.
Watercraft Insurance
Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. We'll help you leave your worries on dry land and fully enjoy your time on the water.
Classic Car Insurance
Your prized collector car represents real commitment of your time and resources. We'll help you protect your investment through specialized insurance coverage designed for classic car lovers like you.
Pet Insurance
Your pets are a part of your family. With specialty pet insurance, you can avoid paying steep veterinary bills in the case of accidents, illnesses and other medical needs.
Wedding Insurance
Wedding insurance is a specialized type of event insurance that allows you to keep the stress out of your big day!
Flood Insurance
Just because you don't live in a high flood risk area, doesn't mean it'll never happen to you. We'll provide the specialized coverage you need to help protect your home from rising waters—even if you're not in a flood zone.
Mobile Home Insurance
Did you know that mobile homes are often at more risk than a typical home or apartment? Mobile home insurance is the best way to protect your home and possessions from these risks.
Rental Property Insurance
Don't be fooled, just because your tenant has renters insurance doesn't mean that you—the owner—are protected. Rental property insurance is specially designed to cover the risks faced when you rent your property to others.
Valuable Possessions Insurance
Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We'll get you the protection you need for your most precious belongings in the event of loss through theft, accident or natural disaster.
Excess Liability Insurance
Excess liability insurance is the best way to take your protection to the next level. It kicks in to pay any remaining costs once your original insurance policy has reached its coverage limit.
Umbrella Insurance
Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. We'll help protect your financial future.
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Secondary Home Insurance
Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We'll make sure you have the right coverage specially designed for the unique exposures involved.