Why You Shouldn’t Ignore Any Aspect of Your New Jersey Home Insurance
Homes can bring you comfort in your time of need. They can be a financial resource for the future. They can be a wellspring of memories.
On the flip side
Homes can burn down. Homes can take on water. With so many dangers, how do you know that your home is protected?
How Can You Properly Protect Your Home?
Your home located in or around Ocean County, NJ is probably the single biggest investment you may ever make in your life. Are you sure you’ve protected your investment to the fullest? Are you sure you have the best possible coverage for it?
Are you aware of what your insurance protects, and what it doesn’t? For example, let’s say that someone gets hurt on your New Jersey property, sues you and wins a judgment for $500,000. However, your homeowner limits are $300,000. How will you come up with the remaining $200,000?
Will you have to sell your home to do it?
If there is a heavy downpour of rain and the sewers back up in your subdivision and in your home, will your insurance pay for the damage? Probably not, unless you have special sewer back up protection.
How about discounts? There are several discounts available on home insurance like multi-policy, home alarm and inflation protection discounts. Are you getting all of the discounts you deserve? How can you be sure?
Finally, are you familiar with replacement cost as opposed to “cash value” protection? This is important to learn in case your possessions are ever damaged. It’s really quite simple: Cash value protection will pay out what an item is worth at the time, which is usually less than the price you originally paid for it. At this level of protection, you may receive only a small amount for something that will be expensive to replace. Replacement cost protection, on the other hand, will pay out the expense of replacing the item, which is a much larger sum.
Let us review your home insurance for free and make sure:
- That there are no gaps in your coverage
- That you are getting all the discounts you’re eligible for
- That you are fully aware of all your coverage options
- That you have your own personal customer service representative
Which do you have on your policy?
Hauswirth & Sons Insurance Consultants
Our home insurance experts at Hauswirth & Sons Insurance Consultants will examine your protection closely to ensure you don’t have dangerous protection gaps. We will make sure you are receiving all the discounts you are eligible for. And we will point out all of the nuances and explain the important fine print so your home is completely protected at the best possible price.
So don’t wait another minute. Simply complete the Protection Savings Form on this page right now. Don't risk your family’s future, get the real facts about the homeowners coverage you need, and discover how you might actually slash your insurance costs up to 37% or more! One of our home insurance agents at Hauswirth & Sons Insurance Consultants in Forked River, NJ, will help you get the rock-solid protection that you deserve.