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Ask an Insurance Agent

Title slide to video about liability if a non-owner has an accident with someone else's car

August 19, 2020

Who is Liable for an Accident if a Non-Owner is Driving?

Learn about your liability when another driver has an accident with your car. Is a non-owner covered by your insurance? Are you responsible for an accident if someone else is driving your vehicle? This video explains what is–and what is not–covered if you lend your car to someone.
Suburban Front Stone Faced Single Family Home. How Does Home Insurance Factor Into Overall Home Ownership Costs?

June 3, 2022

How Does Home Insurance Factor into Overall Home Ownership Costs?

How much does New Jersey home insurance cost? Coverage will depend on factors like the location of your home, its value, and how much coverage you need. An independent insurance agent can help you secure coverage that fits your needs and is affordable. Work with a local agent to shop New Jersey home insurance quotes today.
Ocean Storm Waves Crashing into Seawall in front of Houses. Do Houses With Basements that Flood Cost More to Insure?

June 3, 2022

Do Houses with Basements That Flood Cost More to Insure?

If your home is located in a high-risk flood zone and has a basement, it could cost more to insure. Many items in the basement are also excluded from home insurance and flood coverage. Work with a New Jersey independent insurance agent to understand your home insurance coverage and purchase flood insurance if necessary.
Aerial drone against the blue sky. Is My Drone Covered On My Current Insurance Policy?

May 25, 2022

Is My Drone Covered on My Current Insurance Policy?

Drones can carry a lot of risk for both their pilots/owners and others. Find out if your homeowners or business insurance policy covers your liability in the event of a drone crash or system failure causing damage or injury.
Significant flooding has damaged a basement. If the Gutters Weren't Installed Right and Your Basement Floods, Who's Responsible?

May 3, 2022

If the Gutters Weren't Installed Right and Your Basement Floods, Who's Responsible?

Sometimes the worst incidents to occur on your property are caused by professionals. So if your home's gutters weren't installed right and caused flooding in your basement, who's responsible for the mess and the damage? A New Jersey independent insurance agent can help you answer this and get the right home insurance.

Smoke detector and fire alarm in action. If There's an Electric Fire in Your New House, Who's Responsible?

May 3, 2022

If There's an Electric Fire in Your New House, Who's Responsible?

Buying a brand new house is a big deal. Unfortunately your celebration can be cut short if disaster strikes before the paint's finished drying. So what happens if, for example, there's an electric fire in your brand new house? Who's responsible and who pays? A New Jersey independent insurance agent can help, and so can we.

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