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Homeowners Insurance

A house can be many things. It can be a home to one or several families. It can be a new business owner’s first real office or a seasonal vacation spot. No matter what your house means to you, homes are at risk to many liabilities that can cost you time, money, or worst of all, the entire structure and everything inside. first started providing homeowners insurance at the insistence of our New Jersey business insurance clients. As a result, our search to find quality coverage at an affordable price has helped us create a simple system tailored to our clients’ exact needs.

We have partnered with some of the largest insurance carriers in New Jersey to provide fast and easy quotes with coverage you can depend on. Our clients have benefited not only from the savings, but also from peace of mind knowing that their homes and assets are protected from future disasters and liabilities. has the ability to provide any type of New Jersey homeowners insurance coverage, from renters to homeowners to rental dwellings and vacation homes. We have taken care of our clients and their homes since 2001 by providing an efficient quoting process and a customer service department that is always available to answer questions and resolve issues.


What Homeowners Insurance Covers

You have worked long and hard to afford and maintain your home. It is an important part of your family’s life. So not only do you want to protect the house itself, but also the items inside it. That’s where homeowners insurance comes in. It will provide coverage for the house and the family’s belongings and collective assets if an accident were to happen on your property. You can be held responsible for resulting property damage or bodily injury.

Even something seemingly insignificant could have more severe consequences than anticipated, so homeowners insurance has been designed to address a large number of varied risks that could affect your house physically or make you responsible if something were to happen to someone else in your home.

Homeowners insurance is the combination of several coverages to ensure complete protection of your house and assets. They can be broken down into basic categories:

Dwelling Coverage

Dwelling coverage provides coverage up to a certain amount to replace as much as the entire home if a catastrophe was to occur. The coverage amount is not chosen at random; it’s based off of what it would take to rebuild the entire structure from the ground up using materials of the same like, kind or quality.

Therefore, over-insuring your home will not result in better material or bigger square footage, just a higher annual premium. Dwelling coverage also includes detached structures, such as sheds. This coverage is almost always set at 10% (but can be increased) of what the house itself is insured for.

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

Personal Property Coverage

Home is where the heart is, but when you’ve seen some or all of your worldly possessions stolen or destroyed, you just want everything to go back to the way it was. Take into account all of your appliances, clothes, furniture, electronics, jewelry, etc. It adds up!

Personal property coverage is based off of what you feel your possessions are worth, however on a standard homeowners policy it can’t usually be less that 70-75% of the dwelling coverage. A good rule to remember 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.

Liability Coverage

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

As a homeowner, you are ultimately responsible for sometimes unfortunate consequences, 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 are 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.

Why You Need Homeowners Insurance

It’s required! Most leases and mortgages require you to have insurance before signing any contracts. And aside from being required, it’s a way to restore order when 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.

Get a free business insurance quote today!