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If you are buying a new home or concerned you’re currently paying too much for homeowners insurance, you’re going to want to see what can do.

Why do you need a homeowners insurance policy?

  • Required by a mortgage lender
  • Protects your property from loss
  • Covers liability exposure from owning a home
  • Covers your personal belongings and external structures on your property
  • Provides coverage if you end up displaced due to a covered claim

Homeowners insurance protects your home and the things inside it, as it has been designed to address a number of varied risks.  It is the combination of several coverages to ensure the complete protection of your house and assets.

Here are the basic coverage parts:


Dwelling coverage is a main piece of the policy, provided to replace the entire structure from the ground up, should there be a total loss. The coverage amount is not chosen at random; it’s based on what it would take to rebuild the entire structure using materials of the same like, kind or quality.

Because insurance carriers use a formula to calculate the replacement cost, over-insuring your home will not result in better material or bigger square footage, just a higher annual premium. Likewise, under-insuring your home because you think the chances of having a total loss are small is also not a good idea. Dwelling coverage also includes detached structures, such as sheds, carports, or garages not attached to the home. This coverage is almost always set at 10% (but can be increased) for the dwelling value.

At, we always make sure to get the most detailed information on your house as possible to provide you with the most accurate replacement cost.


Home is where the heart is, but when you’ve seen some or all of your worldly possessions stolen or destroyed, you realize that maybe you do need a few material goods in order to live. Just take into account all of your appliances, clothes, furniture, electronics, jewelry, etc… It adds up! Homeowner’s insurance provides coverage for those personal belongings that you’ve accumulated through your lifetime.

Personal property coverage is based on an estimate on what you feel your possessions are worth. However, on a standard homeowner’s policy, it’s usually a percentage of the dwelling coverage, anywhere from 50-80% depending on the plan level you choose. A good rule to remember when you’re inventorying all of your belongings is to keep all receipts for the items you know need to be replaced. If you don’t have receipts, dated pictures showing the items in the home can usually act as proof as well.

At, we take into consideration your needs and review the information you give us so we can provide you with the most options to ensure your belongings are protected for what they’re worth.


Aside from protecting your home and belongings from unforeseen occurrences, liability coverage is a mandatory coverage that financially protects you from lawsuits or from being held personally responsible for other people’s medical bills if someone was hurt in your home.

As a homeowner, you are ultimately responsible for what happens on your property, from a party guest getting hurt to a pedestrian who trips on your part of the sidewalk. Liability coverage is a set limit for which an insurance company will pay if you have been held responsible for someone else’s medical bills or if you are being sued.

You can avoid most instances where you might need liability coverage by just making sure your house is a safe environment and that the property is not neglected in any way.

There are many other coverages that can be added for a minimal cost to you, to help protect you from extraordinary costs due to service line disruption, mechanical breakdown, water or sewer back up, and many other costly occurrences. Speaking to an experienced, licensed agent at is the easiest way to find out how you can add all of these helpful, low-cost benefits to an affordable homeowners insurance policy.


It’s required! All mortgages require you to have insurance before the official purchase of a home is finalized. And aside from being required, it’s a way to restore order when a disaster happens. Whether you live in a single-family home, an apartment, a condo, or a townhouse, you’ll want to know you’re protected from the different risks that can happen.

When you contact us at and cover your home with a New Jersey homeowners insurance policy, you can trust us, our nationally rated insurance companies, and our world-class customer service to help guide you through all of the uncertainties in life.