Category: Home Insurance

Shopping for Home Insurance? Three Reasons to Choose an Independent Insurance Agent

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Are you in need of a home insurance policy? The professionals at York Jersey Underwriters Inc. servicing Tinton Falls, NJ can help. When you’re shopping for home insurance, it’s important to find the right insurance agent. Working with an independent insurance agent will help you get a policy that provides the maximum protection at the best price. Below are three reasons to consider working with an independent insurance agent.

1. Independent Insurance Agents Can Shop Around

Independent insurance agents are called "independent" because they work with several types of insurance carriers. This means your independent insurance agent can shop around to find the best policy for your needs. If you don’t like the policy your insurance agent suggests, they can return to their carriers and present more options.

2. Independent Insurance Agents Are Loyal to Customers, Not Insurance Carriers

Whereas captive insurance agents have to stay loyal to one insurance carrier, independent insurance agents aren’t obligated to meet quotas or sell from specific carriers. When you work with an independent insurance agent, you can rest assured that your insurance agent will do their best to find the best policy for your specific situation.

3. You’ll Have Many Choices With an Independent Insurance Agent

Do you like to have a lot of choices when you’re shopping for home insurance? Most people do! You’ll have many choices when working with an independent insurance agent. Our insurance agents are independent at York Jersey Underwriters Inc., servicing Tinton Falls, NJ.

This means we can help you find the right policy by presenting you with many options. We work with a range of carriers because we know how important it is for you to have choices. Call today to get started shopping for your home insurance policy.

Fall is Near: Maintenance Tips to Get Your Home Ready For Cooler Weather

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As the vibrant hues of autumn begin to blanket the landscape, it’s a clear reminder that fall is fast approaching. At York Jersey Underwriters Inc. in Tinton Falls, NJ, we recognize the importance of preparing your home for the cooler months ahead. Here are some expert tips to help you get started.

Examine Your Heating System

Before the chill sets in, be proactive and check your heating system. Arrange for a professional inspection to ensure your heating system is operating efficiently. A well-serviced system will keep your home warm and cozy throughout the colder months and help prevent unexpected breakdowns. Don’t forget to change your furnace filters for better air quality and heating efficiency.

Seal Any Drafts

Tiny gaps around windows and doors can let in a lot of cold air, causing your heating system to work overtime. Weatherstripping or caulk can resolve these issues, sealing drafts effectively. This step can make your home warmer and help reduce your energy costs—a win-win situation for homeowners.

Clean Your Gutters

Autumn is a time of falling leaves, and your gutters can quickly become clogged. Make sure to clean them out to allow proper drainage and prevent possible water damage. Clean gutters can also prevent the formation of ice dams, which can cause significant damage during the winter months.

Inspect Your Roof

Your roof acts as your home’s shield against the elements. Look out for any damaged or missing shingles that need repair. Early detection and fixing of minor issues can prevent more substantial, more expensive problems from occurring later when snow and ice arrive.

By following these tips, you can confidently ensure your home is prepared to take on the cooler weather comfortably and safely. For more personalized advice or to review your home insurance policy, contact York Jersey Underwriters Inc. in Tinton Falls, NJ. We’re here to help you protect what matters most all year long.

Home Insurance and Infestations: FAQ’s

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One of the many benefits of having your Tinton Falls, NJ, area home insured through York Jersey Underwriters Inc. is access to our team of professionals when you have a question about your homeowners’ insurance. We receive questions about a wide range of topics, including infestations.

Here are some frequently asked questions we get about infestations and homeowners insurance.

What is an Infestation?

An infestation is an unwelcome invasion of pests, rodents, or insects that can damage your home through swarming, nesting, and other means.

What Pests May Be Included?

Infestations can occur from mice, rats, squirrels, bees, wasps, termites, roaches, and more. While some pests can be a nuisance, some, such as termites and carpenter ants, can cause extensive damage.

Is Damage From an Infestation Covered Under Homeowners Insurance?

Generally speaking, infestation damage is not covered by home insurance.

Why Aren’t Infestations Generally Covered?

Home insurance is intended to protect against unexpected damage like fires and theft. Infestations are considered preventable and are included as part of home maintenance, which is considered the responsibility of the homeowner.

Maintaining Your Home and Property

Home maintenance is a critical part of the provisions of your homeowners’ insurance policy. This includes keeping your home termite- and pest-free. While your home insurance may not cover damage from pest infestations, many pest control companies include protection as a part of their warranty.

Get The Answers to Your Questions Today

If you have questions about your home insurance, would like an insurance review, or want a price quote, contact us at York Jersey Underwriters Inc. We serve the Tinton Falls, NJ, area with personal, professional service to help protect you.

Four priorities you should focus on when you choose a home insurance policy

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Homeowners in Tinton Falls, NJ need to understand the importance of choosing the right home insurance solutions. At York Jersey Underwriters Inc., we can help you make the right choices when you buy insurance coverage for your home.

Here are four priorities you should focus on when you choose a home insurance policy:

Getting adequate personal property coverage for high-value possessions

If you’re a homeowner with particularly expensive items in your home like high-value electronics and jewelry, you might want to invest in added personal property coverage.

You should have enough personal property coverage to cover the full value of their possessions in your home. 

Protecting your assets with your liability coverage

You could be sued for damages if a guest becomes injured in your home. This is where liability coverage becomes important. For complete coverage, it’s a good idea to have enough liability coverage to adequately protect your assets in the event of a lawsuit. 

Meeting the requirements of your mortgage lender

Mortgage lenders require borrowers to carry home insurance. You need to make sure that the home insurance policy you purchase includes the amount and types of coverage that your mortgage lender requires.

Choosing the right home insurance provider

Don’t assume that it doesn’t matter which home insurance provider you purchase a policy from. You need to find a dependable home insurance provider that offers excellent customer service to avoid headaches in the future if you eventually have to file a claim on your policy. 

Reach Out To Us

Consumers in Tinton Falls, NJ who are on the market for home insurance can get in touch with us today at York Jersey Underwriters Inc. for a home insurance policy quote. 

What home insurance do you need?

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When most people visit the York Jersey Underwriters Inc. offices to talk about home insurance, they think we offer one policy. The insurance industry in the United States offers eight different types of home insurance policies, though, so you can obtain the precise coverage you need for your home. Let’s consider your options so you buy the perfect home policy for your home.

The Eight Types of Home Policy

In insurance, we pride ourselves on precision, so the industry offers eight types of home policies, four of which apply to newly built or existing homes. We also offer one type for historic homes and three others for other types of housing, including condos, mobile homes, and renter’s insurance. Here’s a quick guide to the home insurance types.

  • HO-1 – covers 11 named perils and may or may not cover personal belongings.
  • HO-2 – covers 13 named perils and personal belongings.
  • HO-3 – covers most named perils except those specifically excluded in the policy and limited personal property coverage.
  • HO-4 – called renter’s insurance, this home policy protects the personal belongings of the individual renting a home owned by another person.
  • HO-5 – offers the broadest named perils coverage and personal property coverage.
  • HO-6 – covers condos from named perils and personal belongings.
  • HO-7 – mobile home coverage that covers the same 11 named perils as an HO-1 policy while the home remains immobile and attached to a foundation, such as piers and pilings.
  • HO-8 – specifically designed to cover historical homes and architecturally significant structures from 11 perils.

What type of home policy do you need?

York Jersey Underwriters Inc. offers the home insurance you need to protect your home and belongings. Contact us today to purchase the home insurance that protects you from financial loss. We serve all over the United States.

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