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Whether you own a house, condominium or townhouse, for most people their home
is their most important investment. We offer New Jersey homeowners insurance policies that have flexibility to meet your individual needs and above all, provide you with the security that comes only from the knowledge that your home is safe. |
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We offer affordable New Jersey home and condo insurance policy premiums in the following counties and
cities in New Jersey: Union County, Essex County, Bergen County, Passaic County, Sussex County, Morris County, Warren County, Hunterdon County, Somerset County, Middlesex County, Monmouth County, Mercer County, Burlington County, Clark, Newark, Jersey City, Elizabeth, Rahway, Colonia, Iselin, Avenel, Woodbridge, Port Reading, Carteret, Perth Amboy, Fords, South Amboy, Metuchen, Plainfield, Dunellen, South Plainfield, Green Brook, Fanwood, North Plainfield, Cranford, Scotch Plains, Westfield, Union, Millburn, Springfield, Mountainside, Gillette, Warren, Watchung, Stirling, Millington, Middlesex, Martinsville, Piscataway, Edison, New Brunswick, Highland Park, North Brunswick, Sayreville, East Brunswick, Somerset, Milltown, South River, Bound Brook, Somerville, Bridgewater, Bayonne, Linden, Roselle, Hoboken, Union City, Weehawken, West New York, Guttenberg, Cliffside Park, Edgewater, North Bergen, Secaucus, Fairview, Ridgefield, Fort Lee, Leonia, Palisades Park, Englewood Cliffs, Englewood, Bergenfield, Teaneck, Paramus, Bogota, Ridgefield Park, Little Ferry, Hackensack, Maywood, Teterboro, South Hackensack, Rochelle Park, Moonache, Lodi, Hasbrouck Heights, Saddle Brook, Garfield, Elmwood Park, Woodridge, Carlstadt, East Rutherford, Lyndhurst, Rutherford, Wallington, Passaic, Clifton, Paterson, Totowa, West Paterson, Little Falls, Great Notch, North Caldwell, Cedar Grove, Verona, Montclair, Bloomfield, West Orange, Glen Ridge, Belleville, Nutley, Kingsland, North Arlington, Kearney, Harrison, East Orange, East Newark, Orange, Irvington, South Orange, Hillside, Townley, Livingston, Wayne, Trenton, Camden, Atlantic City, Princeton, Vineland, Willingboro, and Toms River, NJ. |
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"Your Local New Jersey Homeowner Insurance Policy Agent Specialist!"
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Homeowners insurance is one of the most popular forms
of personal insurance and the typical homeowner's insurance policy has two main sections:
Section I - insurance coverage for your property
Section II - personal liability coverage (to cover you in
case of lawsuits arising from things that happen on your property)
Homeowners insurance is often required by lenders to
obtain a mortgage and nearly everyone, whether you own or lease property, should have the protection of homeowners insurance. |
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Click on the link below to fill out a quote request form
for a New Jersey Homeowners Insurance policy that will provide excellent home insurance coverage at an affordable cost. Or speak with our Homeowners Insurance agent specialist at 732-680-4444 to discuss the features. |
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Covered losses under a New Jersey homeowner's insurance policy can be paid
on either a replacement cost basis or on an actual cash value basis. When "actual cash value" is used, the policy owner is entitled to the depreciated value of the damaged property. Therefore, the older the item is, the less money you may receive for it. If you choose the "replacement cost" coverage, the homeowner's insurance policy will reinburse the amount it costs to replace the property with something of a similar type and quality at current prices. |
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If your policy limit is less than 80% of the replacement cost of your home, you will face
a "coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs beyond the policy deductible you chose. For example purposes we will assume your home's estimated replacement value (RCV) is $100,000. The co-insurance clause requires you carry at least $80,000 (80% of your RCV). If you chose to purchase only a $40,000 New Jersey homeowners insurance policy you would be underinsured by half. Therefore, in the example the insurance company would pay one-half of a loss less the policy deductible, so if you suffered a $10,000 covered loss and had a $500 deductible, your policy would only pay $4,500. |
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Home Insurance
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Request a Quote Here!
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"Your New Jersey
Homeowner Insurance Agent"
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"Offering Professional
Insurance Services Since 1976"
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Answer a few general
questions and we will provide
you with a no obligation quote
by phone or email. Choose
the New Jersey Personal or
Business Insurance coverage
you're interested in from one
of the menus above.
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Homeowner Insurance
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Personal Insurance
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Financial Services
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New Jersey Homeowners Insurance Policy Information
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New Jersey Homeowners Insurance Policy FAQ
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Replacement Cost or Actual Cash Value
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New Jersey Homeowners Insurance Policy FAQ
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An "All Risks" policy provides the broadest New Jersey homeowners insurance protection
because it will cover losses that are due to any peril except those specifically excluded in the policy. A "Named Perils" policy covers losses that are due to only those perils listed in the standard homeowners insurance policy and typically include fire, hail, windstorm, and other physical losses. |
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All Risks or Named Perils
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New Jersey Homeowners Insurance Policy FAQ
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Coinsurance Penalty
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New Jersey Homeowners Insurance Policy FAQ
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Personal liability in a New Jersey homeowners insurance policy is also an important part
of having security from accidents that may occur on your property. We suggest you choose coverage limits that are not less than those on other liability insurance you own, such as auto insurance. |
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Personal Liability
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New Jersey Homeowners Insurance Policy FAQ
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Copyright 2004-2009 American Insurance Services Agency - All rights reserved
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American Insurance
Services Agency
1129 Raritan Road
Clark, New Jersey 07066
(732) 680-4444
Fax: (732) 680-4067
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