To provide comprehensive coverage, we offer a range of insurance options that encompass everything from home and auto to health and life, ensuring our clients have peace of mind no matter what life throws their way.
Min replacement cost: 80% Home replacement cost
At Policy Shopper, we understand that your home is more than just a building—it’s where your cherished memories are made, and your most valuable possessions are kept. That’s why we’re here to guide you through the process of securing the best home insurance coverage that suits your unique needs and safeguards your precious investments.
Shop, compare, and learn about auto insurance through the Policyshopper online marketplace. With help from industry experts, you’ll be able to find the best carriers in your area.
Health insurance is a type of coverage that can protect you from the full expense of regular health care, as well as the costs of medical and surgical procedures. In exchange for paying a premium, your insurance company will cover the costs of your healthcare and certain types of medical procedures.
Health plans may be available from your employer, but you also have the option of purchasing your healthcare coverage privately. If you are self-employed or unemployed, you may have group insurance options through professional associations, in addition to private health insurance.
Simply put, it’s a contract between you and an insurance company where you pay small monthly premiums, and upon your death, they’ll pay a predetermined amount of money to whomever you choose.
There are many different forms of life insurance, but in every case, they’re designed to help protect the family you leave behind financially. Through life insurance, you can help your spouse pay off a mortgage, debt, college tuition, or just live comfortably.
The amount of life insurance needed is different for everyone. Really it all depends on your goals, your family, and the expenses your family needs to cover once you’re no longer there to support them. If your plan is to just cover end-of-life expenses, you may just want funeral and burial expense insurance. But if you want to help pay off a mortgage, tuition, or other large costs, you might want something more like a term or whole life policy. A basic guideline for your life insurance limit is seven to 20 times your annual salary, but this depends on age and other circumstances.
As an employer, you need to stay relevant and competitive in the market. Making your job offers more attractive by offering employee benefits can help you hire the right candidates and retain current employees.
Employee benefits can make a huge difference to a candidate contemplating multiple job offers. A nice benefits package can mean the difference between obtaining a future employee or losing them to a competitor.
Offering employee benefits is a practice that can help businesses hire top-quality employees from the start. A job position can be much more enticing to a qualified individual if it offers not only a salary but benefits, as well.
Further, employee benefits provide a higher-quality work life for a business’s staff. They can increase a worker’s job satisfaction and contribute to a more positive workforce for your company.
Employee benefits can sway workers into staying in their current job positions. In fact, a study conducted by the Society for Human Resource Management reported that 60% of workers cited employee benefits as being either very important or extremely important in determining whether they’d remain in their current jobs. If your business has a workforce it would hate to lose, offering employee benefits could greatly improve your chances of retaining it.
Small business insurance is a package of coverage designed to help protect small businesses from financial damage caused by lawsuits, accidents, natural disasters, and other events that could impact your business. When a covered event occurs, your policy will help cover some or all of the associated costs up to the policy’s limits.
Insurance for small businesses can help keep your business running or financially support you when something unexpected happens, such as a fire that causes your business to close temporarily for repairs. Without this protection, even one untimely event could bankrupt your business and disrupt your income.
Low-risk businesses still have risks, and even the strongest businesses may struggle to cover the costs of a liability lawsuit, temporary closure, or similar events. Small business insurance may not be required by law, but it helps protect your finances and the stability and longevity of your company.
Shop, compare, and learn about exotic car and classic car insurance through the Policyshopper online marketplace. With help from industry experts, you’ll be able to find the best carriers in your area.
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Homeownership comes with joy and responsibility. While you create a haven for your family, unforeseen events like natural disasters, theft, or accidents can disrupt your peace of mind. That’s where home insurance steps in. Our comprehensive home insurance policies provide you with financial protection against these unexpected events, ensuring that your family, belongings, and investments are well-protected.
Explore crucial aspects of home insurance tailored to New Jersey homeowners. From minimum requirements to specialized coverage, discover how to safeguard your property and loved ones effectively.
Without proper coverage, you could face financial devastation in the event of disasters like fires, storms, or theft. Additionally, if you have a mortgage on your home, your lender may require you to maintain a certain level of insurance.
This is the most common type of home insurance. It typically covers damage to your home's structure and personal belongings caused by covered perils like fire, theft, vandalism, and certain natural disasters. It also provides liability coverage if someone is injured on your property.
If you're renting a home or apartment in New Jersey, renters insurance is essential. It covers your personal belongings and provides liability protection. Your landlord's insurance typically doesn't cover your possessions.
Condo insurance is tailored for condominium owners. It typically covers the interior of your unit, personal property, and liability. The condo association's insurance usually covers the building's exterior.
Many parts of New Jersey are prone to flooding, especially near the coast. Standard home insurance policies don't cover flood damage. If you live in a flood-prone area, it's crucial to consider a separate flood insurance policy.
While earthquakes are rare in New Jersey, they can still happen. Standard home insurance policies also don't cover earthquake damage. If you want protection against this specific risk, consider adding earthquake coverage.
We understand that every home is different, and so are your insurance needs. Our team of experienced insurance professionals in New Jersey is dedicated to listening to your requirements and tailoring a home insurance policy that meets your specific needs.
As a well-established company in New Jersey, we have built strong relationships with a wide network of reputable insurance providers. This allows us to compare multiple options and find the perfect policy that not only suits your needs but also fits your budget.
Navigating the world of insurance can be overwhelming, with policy jargon and complex terms. Our experts will break down the information for you, ensuring that you understand exactly what you're getting and why it matters. We empower you to make informed decisions.
Being based in New Jersey, we understand the unique challenges and risks homeowners face in this region. Our localized expertise helps us customize policies that address these specific concerns.
In New Jersey, home insurance typically consists of two main components: property coverage and liability coverage.
helps repair or replace your home and belongings in case of covered peril
protects you from legal responsibility for injuries or damage caused to others on your property.
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Home insurance is a financial protection plan that covers your home and its contents against various risks, including damage, theft, and liability. You need it to safeguard your investment, provide financial security in case of unexpected events, and fulfill mortgage requirements.
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Speak with insurance experts and ask questions before finalizing your plans or if you want help regarding our services. Our dedicated staff is more than happy to call and guide you
