Locations: Florham Park, NJ and Marysville, PA

New Jersey, NJ Homeowners Insurance

If you own a home or rent in New Jersey, you need homeowners insurance. These policies are packages created to include coverage typically needed by most home owners.

What kind of buyer are you?

  • Are you looking for cheap insurance or are you looking for protection for the largest and most important purchase in your life?
  • Do you think spending a few dollars additional (not always) is worth being fully protected?
  • When you purchase from us the policy comes with a professional agent with decades of experience

If you are looking for protection, not price then contact this agency for personalized, prompt and attentive service!

Our policies are competitive but not be the lowest priced because we only provide proper protection. You only get what you pay for!  We take pride in explaining the policies and guide you through the purchase of the policy, whether it’s for a new purchase or just changing.attached home

THERE ARE THREE TYPES OF HOMEOWNERS POLICIES

1 – OWNER OCCUPIED SINGLE OR TWO FAMILY HOME (HO3 or HO5) Homeowners Policy forms HO3 or HO5 are for an owner occupied house one or two families. Coverage is provided for the house structure, other structures (such as a detached garage, shed, pool house), personal belongings (contents), loss of use for you and your family should a covered loss keep you from occupying the house while repairs are made. Liability coverage is also provided if any family member unintentionally injures someone else or causes property damage.

Please read the difference between the HO3 and HO5 policy forms.

2 – TENANTS or RENTERS POLICY (HO4)
A Renter or Tenants policy is for a rented apartment, rented house or rented condominium unit. Coverage is provided for your personal property, loss of use and liability as described above. To learn more . . . GO TO OUR TENANTS INSURANCE PAGEHouse

3 – CONDOMINIUM or TOWNHOUSE (HO6) A Condo policy is for an owner occupied unit. Coverage is provided for your personal property (contents), and the portion of the condominium structure you own as well (also known as improvements and betterments). Also included is loss of use for you and your family should a covered loss keep you from occupying the condo while repairs are made. Liability coverage is also provided if any family member unintentionally injures someone else or causes property damage. Condominium or Townhouse Policy (HO6)

A townhouse is the same as a condominium. The association owns the land and the building structure. You own the space that you live in and most times the improvements inside. Improvements are the kitchen cabinets, trim work, carpeting, appliances, all interior furnishings, and of course your own furniture and clothes.

A coop (cooperative apartment) is not a condominium. A condominium is where you legally own your portion of the structure and pay dues to an association who manages it. A coop is where you own a share of a corporation that owns the building. There are very little, if any coops in NJ.

GET A QUOTATION FOR HOMEOWNERS INSURANCE

If you would like a no-obligation quotation, please complete our HOMEOWNERS SURVEY FORM

Learn about homeowners basic coverage

Unique enhancements on our homeowners policies.