Advice For Scheduling Collectibles And Personal Items

Homeowner’s insurance policies provide coverage for specified amounts on specific items. For homeowners or renters that have collectibles in the form of baseball cards, China, postage stamps, firearms, furs, jewelry, or other high value items, purchasing an additional policy and “scheduling” those items will help with reimbursement in the event of a loss. In addition, it could help ensure you will receive the funds to purchase a replacement item of like kind and quality.

Personal property coverage provided under a homeowner’s insurance policy provides an upper coverage limit on specific items. To understand these limits, it’s best to speak with …

In Wake of Hurricane Irene, Time to Check Your New Jersey Homeowners Insurance Coverage

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.

The basic coverages within a New Jersey homeowner’s policy include the following:

• Dwelling Coverage: This covers damage to your house and other buildings on your property

Homeowner Insurance Basics: Doing Proper Maintenance to Prevent Dryer Vent Fires

Every year, many New Jersey homeowners experience fire damage in their homes. Fire can result from a number of different reasons, and when possible it is always best for homeowners to take the steps necessary to prevent fires from occurring in the first place.

One of the most frequent causes of fire in New Jersey homes is due to dryer vents that have not been cleaned regularly. The familiar scenario is that the dryer gets overheated, causing the clothes, nearby carpets, or other flammable material to catch on fire. If the fire is not discovered quickly, it may spread to …

Preventative Maintenance to Avoid Homeowner Insurance Claims

Water damage is one of the leading causes of homeowner insurance claims in the U.S. Every year, thousands of homes nationwide experience damage caused by water that overflows from pipes, hoses and other places.

If you are a New Jersey homeowner, it is always in your best interest to avoid having to file a claim against your homeowner insurance policy. There are circumstances like in the case of outside flooding from excessive rainstorms where water damage may be difficult to prevent, but on the other hand, many of the common occurrences where water damage originates from inside the home …