Many students believe that their property will be covered under the landlord’s insurance policy in the event of a fire, theft or a water damage loss and this simply isn’t true. The landlord receives reimbursement from his insurance policy to cover losses but your personal property will not be protected.

Chances are if you’re looking to rent your first house or apartment you have so many things to think of, you might not have given much thought to purchasing renter’s insurance. Even if you’ve thought of renter’s insurance you may have some misconceptions about it. Remember, if you rent a house or an apartment, your belongings are not covered under the insurance policy of your landlord, you need to have your own insurance coverage.

There’s a lot of debate these days over which kind of life insurance to buy. Many people understand the need to protect their families in case the worst happens, but they don’t know if they should buy term or permanent life insurance. New Jersey residents should keep in mind that while term is cheaper, permanent (also known as whole) life insurance will be with you as long as you pay the premiums on the policy.

There is one statistic that everyone in New Jersey (and worldwide) knows; none of us will get out of this world alive. Human beings have a 100% chance of dying. Despite this knowledge, many people do nothing to prepare for this eventuality. This is mainly due to the belief that a New Jersey life insurance policy is just too expensive.

Hurricane Irene left a lot of destruction in its wake, and many New Jersey homeowners have been left without power and with severe flooding. The high winds and heavy downpours have even put some homes under water and destroyed a lot of personal property. Whether your home was affected by Hurricane Irene or not, now is a good time to take a look at the coverages included in your New Jersey homeowner’s insurance policy.