Risk Factors That Affect The Cost of Homeowners Insurance

There are certain risk factors that have an effect on your homeowners insurance premium. These characteristics make filing a claim more probable, and they range from the condition of your house to your financial standing. Lowering or eliminating these factors is important in the pursuit of lower premiums. Bogle Agency Insurance is constantly working to offer the best Homeowners Insurance policies to NJ homeowners, with top carriers, that are cost-effective and offer good protection.  We offer our experience and expertise in the interest of lowering the cost of Homeowners Insurance in NJ.

Common Factors Affecting Homeowners Insurance Premiums

1. Deductible – this is the amount of money you pay before the policy coverage takes over. Deductibles are meant to reduce negligence on the part of the insured in caring for their property. You should also be aware, a higher deductible means a lower premium.

2. Replacement Cost – This is the amount it would take to rebuild your house. Expensive additions and renovations might make the property more desirable, but they also make the cost to replace it higher. This means the insurance company would have to pay more in the event of a loss and so it will make your premium rise.

3. Condition of the House – The condition of the home you are insuring is a concern in Homeowners Insurance coverage. If there is damage to a part of the house, like a roof or foundation, insurance companies consider this when determining the premium amount. Any damage should be repaired in order the avoid costly claims in the future. Some companies may deny coverage if there is serious damage to the roof or foundation of a house.

4. Pets – Believe it or not, some pets can make Homeowners Insurance cost more. Certain dog breeds are considered more dangerous to the public than others. Although this may not apply to your dog, statistical analysis shows that it is a factor in insurance premiums.

5. Being Near a Fire Station – Another surprising factor that insurance companies take into consideration when determining premiums is travel time from the nearest fire station to your home. According to insurance industry records, fire claims make up a large part of property claims. The distance from a fire station to your house could make the difference between a total loss and only minor damage.

6. Credit History – In the interest of reducing fraudulent claims, your credit history is a factor in determining insurance rates. Payment history, current debt, etc, are all considerations in this regard.

Managing Risk Can Reduce Homeowners Insurance Premiums

Working to lower the risk of an insurance claim may help reduce your premium cost. Being aware of risk problems and trying to alleviate them can reduce Homeowners Insurance premiums over time.

Bogle Agency Insurance offers Homeowners Insurance to Bergen and Morris County NJ and nearby area families. We can help you become aware of the potential risks you might face that will make your Homeowners Insurance premiums go up. It is always our goal to offer the best insurance coverage for the most affordable price. NJ individuals and families looking for Homeowners Insurance should give us a call at (201) 939-1076 and talk to one of our experienced agents.

Cyber Protection With Chubb

Along with insurance protecting your home, family and assets, you should also protect your online activity against cyber crime. Bogle Agency Insurance offers Chubb Masterpiece Cyber Protection to Bergen and Morris County residents. This is exceptional insurance protection for your digital activity. Bogle agents are always ready to talk to clients in NJ about insuring their online presence via Cyber Protection with Chubb.

Cyber Crime Has Become A Global Threat

Masterpiece Cyber Protection Insurance with Chubb protects you against the peril of releasing your personal information. It also protects you from the loss of financial security, loss of identity, and relieves the emotional stress that is the result of these concerns. Restoring financial and identity loss can be a long and painful process. This cyber protection with Chubb offers the peace of mind that exceptional insurance coverage provides.  Insuring your online presence in NJ is available through Bogle Agency Insurance.

Cyber Crime Insurance Offered By Experts

Bogle Agency Insurance offers Chubb Masterpiece Cyber Protection Insurance because we think cyber crime coverage should be a priority. As you and your family become more and more dependent upon the use of a computer for banking, commuication, shopping and entertainment, the more you need protection from cyber crime. If you agree that online security is a necessity, give us a call in Lyndhurst NJ at (201) 939-1076 to speak with one of our experienced and knowledgeable agents about cyber protection insurance.

Does Bundling Insurance Actually Save You Money?

As regularly advertised on TV, bundling insurance coverages can save you money. But it isn’t always the best option. If you are considering combining coverages you should discuss it with an insurance professional. Bogle Agency Insurance offers NJ residents our many years of knowledge and experience regarding insurance protection. Our goal is always to provide you with the best coverage at the most affordable price. Bundling insurance coverage to save money isn’t always the best choice!

There Can Be Pitfalls To Bundling

Regarding insurance, the best coverage should always be a priority. Coverage and price don’t always correspond. Lower prices for insurance can often mean lower coverage. Combining insurance coverage, or “bundling”, shouldn’t lower the coverage. An insurance professional such as a Bogle Agency Insurance agent can help. We will ensure that your bundled insurance saves you money but provides adequate protection. Sometimes looking at separate policies will save money over combining coverages.  Bundling insurance coverage to save money doesn’t always make sense.

Always Seek Expert Advice

The knowledgeable and experienced agents at Bogle Agency Insurance can inform you about insurance options for your home or business. We aim to provide NJ clients with insurance that makes sense financially and practically. Allow us to help you choose the best insurance coverage for your needs, whether considering bundling or not. Give us a call at (201) 939-1076 and speak to an agent. Bundling doesn’t always save money.

Great Protection When Boating

Bogle Agency Insurance offers Chubb Masterpiece Recreational Marine Insurance to our NJ clients who own boats. Owning a boat not only provides endless hours of pleasurable recreation on the water, but also comes with great responsibility. Protecting your boating experience and keeping it stress-free is our goal. We feel Masterpiece Recreational Marine Insurance with Chubb is the best coverage for NJ boat owners.

Protection For Your Boat And For Your Family

Masterpiece Coverage offers repairs or replacement of your watercraft and everything on board. If anyone is injured in an accident while boating, there is coverage for medical expenses. If personal possessions are lost or damaged, replacement is provided.

Coverage with this insurance is complete, not partial or patchwork. Boat owners will benefit from a focus on prevention and protection. Chubb has watercraft specialists who know how to deal with damaged boats, and the problems facing boat owners after an accident or other issues.

Rely On Our Professional Expertise Regarding Insurance Coverage

Bogle Agency Insurance always offers the best insurance coverage for the best price. Our clients benefit from our longtime experience in the needs of those seeking insurance. For excellent Marine Insurance with Chubb, or any other type of insurance, give us a call and set up an appointment with one of our knowledgeable agents. We can be reached at (201) 939-1076

Who Is Covered By Workers Compensation Insurance?

As its name indicates, workers or employees are protected by Workers Compensation Insurance. Employers are obligated to have this insurance in place, but you should be aware that it only covers a worker who becomes ill or injured while on the job. Just being employed does not mean you are covered, the compensation is only available to you if you are injured or become ill while you are at work. If illness or injury occur while you are off the clock, you are not covered.

If you take a job in a dangerous environment, be sure the employer has Workers Compensation Insurance in place. Generally speaking, all part and full-time workers are covered by Workers Compensation Insurance. Workers Compensation coverage provides recovery of lost wages when you are unable to work due to an injury or illness that occurred while you were at work. If you are an independent contractor working for yourself, you have to purchase your own personal Workers Compensation Insurance. Bogle Agency Insurance is an experienced and reliable insurance resource that has been helping individuals and businesses with proper insurance protections needed in NJ for many years.

Businesses Must Have Workers Compensation Insurance

Any business that employs more than one person has to have Workers Compensation Insurance in place. If you are self-employed you have to purchase Workers Compensation Insurance on your own. To repeat what was previously discussed, you must become ill or injured while at work for this coverage to protect you.

Here To Help You With Workers Compensation Insurance

Bogle Agency Insurance provides a full array of insurance options for NJ business owners. Our focus is to guide you and make sure you have the proper insurance coverages to operate a business in NJ. If you are an employee, our experienced and knowledgeable agents are available to answer all your questions regarding Workers Compensation Insurance as well as all other types of insurance. Working with a professional assures that you have a safe and well informed workplace experience. If you have questions about Workers Compensation Insurance as an employer or as an employee, give us a call at (201) 939-1076 to speak with a qualified insurance professional.

Top Homeowners Insurance Coverage

Bogle Agency Insurance of Lyndhurst NJ, offers Chubb Masterpiece Homeowners Insurance to NJ residents who own homes. Chubb is one of the leading insurance carriers in America. In the interest of serving our clients’ needs, we offer the best coverage. Chubb Masterpiece Homeowners Insurance is a top quality product that we offer to Bergen and Morris County NJ homeowners to protect their most expensive asset, their home.  You and your family deserve Homeowners Insurance with Chubb Masterpiece coverage.

Substantial Coverage and Great Service

A Chubb Masterpiece Homeowners Policy provides not only great protection but also outstanding service. Chubb is quick to send an adjuster to assess damage if you should suffer a loss. This allows them to get to work processing the claim with speed. Chubb offers a variety of ways in which they provide top coverage. In addition to the protection a Chubb policy offers, they also strive to educate you on ways to prevent future losses.   

Top Insurance Coverage For The Best Price

Bogle Agency Insurance is offering Chubb Masterpiece Homeowners Insurance because we feel it is excellent protection for a fair price. First-time home buyers and those who have owned many homes should avail themselves of the coverage provided by Chubb. If you are looking for Homeowners Insurance, we recommend calling us for a consultation. Our experienced and knowledgeable agents can be reached at (201) 939-1076.

Define Property Casualty Insurance

Property Casualty Insurance is a combination of protection for property owned by you (such as a house, car or personal possessions) and liability protection (for when you cause an accident or damage another person’s property or belongings). This is a very broad explanation of the term Property Casualty Insurance. Businesses can also purchase Property Casualty Insurance. Bogle Agency Insurance is a valuable resource for explaining the terms and conditions of Property Casualty Insurance for NJ residents. Our agents have broad experience in all types of insurance and stand ready to help you find the best coverage for the best price.

When Do You Need Property Casualty Insurance?

Property Casualty Insurance is meant to protect you in the event of a surprise accident or loss. Your home, car or personal possessions are covered in the event of a fire, accident or theft. Casualty Insurance offers liability protection in legal matters that may be the result of an accident causing injury or damage to another’s property.

Professional Advice Is Valuable

Bogle Agency Insurance has been helping individuals and businesses in NJ with insurance needs for over 100 years. Our agents have experience in every aspect of the insurance business. For outstanding advisory assistance with Property Casualty Insurance give Bogle a call and speak to one of our representatives. You will meet with a friendly, knowledgeable person who is ready to help. We can be reached at (201) 939-1076.

Is Excess Liability Insurance Necessary?

Your Homeowners Insurance and your Automobile Insurance protect you to a limited degree, and after that you are self-insured. Bogle Agency Insurance offers Chubb Masterpiece Excess Liability Insurance, providing some of the highest limits of liability protection available. When you are met with unexpected issues involving your high-value assets, you want insurance protection. Chubb Excess Liability Insurance provides this protection to policyholders in NJ.  Read on about umbrella insurance coverage with Chubb.

Excess Liability or Umbrella Coverage

Chubb Masterpiece Excess Liability Insurance covers you like an umbrella, and this is why the coverage is called “umbrella insurance“. You have worked hard to provide your family with an above-average lifestyle and you should have extra liability insurance to protect it.

Chubb Masterpiece Excess Liability Insurance also covers you for legal representation when the unexpected occurs. The Chubb insurance that Bogle Agency Insurance is offering covers NJ clients who need protection over and above what is included in traditional Homeowners Insurance.

Professional Guidance Is Offered

Bogle Agency Insurance stands ready to offer assistance and guidance in choosing the best insurance protection for your needs. We believe that Chubb’s Masterpiece Excess Liability Insurance is the best coverage available and our agents are always available to discuss it with NJ clients. We can be reached at (201) 939-1076 for an appointment.

Do You Know About Wedding Insurance?

Getting married this spring? You should be looking forward to an occasion of celebration and joy. Whoever is planning a wedding wants to be sure the event is perfect in every way. Wedding Insurance helps you avoid the possibility of a disaster that can ruin the day. Even with meticulous planning, things can go wrong. Bogle Agency Insurance offers expert advice regarding Wedding Insurance to ensure that your big day goes off without a hitch.  Let us help you learn about NJ Insurance for Weddings.

Things That Could Go Wrong

We offer some possible problems that you could face when planning a wedding. Wedding problems you might encounter are:

1.  Professional Vendor problems – the venue you chose has closed up, the photographer didn’t show, or the band you booked has broken up.  These are a few issues that can occur at the last minute leaving you scrambling for alternatives.

2.  Property Damage – Valuable gift items get broken, or the wedding gown is ruined.  Unexpected and devastating things can happen                

3.  Bad Weather – Major storms or other kinds of bad weather can make outdoor plans imossible.              i

4.  Health and Sickness – A close relative gets seriously sick, the best man has an automobile accident or all the bridesmaids get the flue.  These things are rare, but they do happen.  

5.  Cold Feet – One of the marrying couple decides not to go through with the wedding. Again, pretty rare, however it does happen.   

What Does Wedding Insurance Cover?

Every policy is different, but some things that Wedding Insurance may cover are:

• Cancellation
• Postponement
• Lost Deposits
• Unexpected Additional Expenses
• Photography
• Gifts
• Attire
• Liability

Professional Help With Wedding Insurance Is Encouraged

Although coverage can differ in options and cost, Bogle Agency Insurance agents are experienced in guiding wedding couples toward the best and most affordable protection for their needs. Our expertise in all things about insurance in NJ is unmatched. We know that planning a wedding can be stressful and frustrating. Wedding Insurance may help bring peace of mind about a lot of issues that can arise. For sound guidance in the area of Wedding Insurance, call Bogle Agency Insurance at (201) 939-1076

What Are Considered Valuables?

Valuables are generally those items you own that have greater than normal value. It could be an art collection, precious jewelry, a coin collection, or rare books. If you like to travel, maybe you have a habit of bringing home treasures from places you visit. Most homeowners insurance only covers these special items to a limited degree. Bogle Agency Insurance is offering Chubb insurance for valuables in NJ, in the form of a Chubb Masterpiece Valuables policy. Chubb Masterpiece Insurance offers better protection for those precious possessions of yours that are more valuable than the ordinary.

Great Response, Top Coverage

Chubb addresses coverage claims quickly and efficiently. This kind of response to a claim offers great relief to our clients. Bogle Agency Insurance wants you to have the best protection that also provides the quickest response time when you have a claim. Chubb offers services that include fine art, jewelry and collections specialists with training and knowledge of specialized items. Tips on future prevention of losses are offered as well.  These are some of the reasons we are offering Chubb Insurance for valuables in NJ.

Call Us About Valuable Asset Insurance

Bogle Agency Insurance has been helping people in NJ with insurance protection for over 100 years. We wish to make Bergen County and Morris County NJ clients with treasured valuable possessions aware of Chubb Masterpiece Insurance. For superior protection of your valued treasures give Bogle a call at (201) 939-1076 for a consultation.