HOMEOWNERS INSURANCE
We provide HO3, HO6 DP & DP3 & Rental Insurance
All homeowner’s policy are not the same, although your basic coverage may be the same each policy covers a little differently. We will give you options of added endorsements to make sure you are properly covered should a catastrophic event happen.
Just because you are a renter doesn’t mean your property are less valuable. After all you don’t go to a special renter’s store to get your furniture, dishes, pot & pans. Your clothing cost just as much and you should be covered like homeowners are for your personal property. We have policies design to get you back on your feet at a time you need it most.
INSURANCE BEENFITS
Equipment Breakdown
This additional coverage covers your homes appliances. Should you have a breakdown this policy pays for repairs or replacement of things like Refrigerator, Washer/Dryer, Microwave, Stove, Dishwasher, A/C and Heating units etc., etc.
Water Backup / Sump Pum Coverage
Water backup coverage, or sump pump backup coverage, is one of the more popular and useful homeowners’ insurance endorsements that you can add to your policy. It covers your home and personal property in the event of water damage from a sump pump, drain, or sewer overflow or backup
Replacement Value
In the case of replacement cost, an item that’s damaged or destroyed in an insured peril would be fixed to its previous condition or replaced with a new item. Think about an appliance like a fancy stove that’s damaged in a fire. Although the stove might be several years old or even obsolete, it would be replaced with a new stove by an insurance company with replacement cost provisions.
Mold/Mildew
Mold/ Mildew coverage typically is covered on most homeowners’ policy, however they do have certain requirements before they will pay out. Most policies has a bacis coverage of $10,000 for Mold and $50,000 for Mildew. A home owner can and should increase this coverage, most companies will give you a option to increase coverage to $50,000 for mold and $100,000 for Mildew. The cost to increase can vary from company to company however it usually ranges from $50.00 to $100.00 per year.
GET A FREE QUOTE TODAY
Better yet, see us in person!
We love our customers, so feel free to visit during normal business hours.
134 Main St. Flemington, NJ 08822
+1 908-893-8870
Office Line
+1 908-893-8086
Business Cell
Hours
- Mon 09:00 am – 03:00 pm
- Tue 09:00 am – 03:00 pm
- Wed 09:00 am – 03:00 pm
- Thurs 09:00 am – 03:00 pm
- Fri 09:00 am – 03:00 pm
- Sat Closed
- Sun Closed