Offering Top Coverage For Your Possessions

Bogle Agency Insurance offers clients the opportunity to have Chubb Masterpiece Valuables insurance when they are seeking greater protection for their valuable assets. This is the premier insurance coverage for items that have greater value than your standard household belongings which are covered under your Homeowners Insurance. Most Homeowners Insurance will only cover more valuable items to a limited degree. Chubb Masterpiece Insurance offers wider protection for valuables that are worth more than the ordinary.

Quick Claims Response, Greater Coverage

Chubb responds to claims quickly and efficiently. This kind of response to a claim offers great relief to our clients. Bogle Agency Insurance strives to offer the best protection with the quickest response time when you have a loss. Chubb provides services that include fine art, jewelry and collections specialists with training and knowledge of specialized items. Ideas for future prevention of losses are offered as well. 

Learn More About Valuable Asset Insurance

Bogle Agency Insurance has been helping people in NJ with insurance protection for over 100 years. It is our goal to make clients in Bergen and Morris Counties, as well as a wide surrounding part of NJ, who have treasured valuable possessions, aware of Chubb Masterpiece Insurance. Call us at (201)) 939-1076 for a consultation with one of our knowledgeable agents to discuss the advantages of this superior protection.

Outstanding Homeowners Insurance Coverage

Bogle Agency Insurance offers Chubb Masterpiece Homeowners Insurance to NJ homeowners. Chubb is a leading American insurance carrier and in the interest of serving our clients’ needs, we offer the best coverage. Chubb Masterpiece Homeowners Insurance is a quality product offered to NJ homeowners to protect their most expensive asset, their home. Insuring your NJ home with Chubb is a responsible decision.

Great Coverage and Great Service

A Chubb Masterpiece Homeowners Policy provides great protection for your home, and also exceptional service. Chubb sends an adjuster to assess damage right away if you should suffer a loss. This means they get to work processing the claim with efficiency. Chubb offers many ways in which they provide top coverage. Not only are you well protected, Chubb strives to educate policyholders about ways to prevent future losses.  You will find that insuring your NJ home with Chubb Masterpiece Homeowners Insurance is one of the best decisions you can make.

Outstanding Coverage – Competitive Price

Bogle Agency Insurance offers Chubb Masterpiece Homeowners Insurance because we feel it is premier protection for a fair price. First-time home buyers and long-time homeowners should explore the excellent coverage provided by Chubb. Call us at (201) 939-1076 and speak to one of our experienced and knowledgeable agents about Chubb Masterpiece Homeowners Insurance.

As a homeowner in NJ, it’s important to understand the different types of Insurance coverage available to protect your investment. Two key terms to know are actual cash value (ACV) and replacement cost value (RCV). While they may sound similar, there are significant differences between the two! And it is those differences that will impact your insurance claim payout in the event you ever have a loss.

What is Actual Cash Value (ACV)?

Actual cash value is a term used in insurance policies to describe the value of an item at the time it was damaged or destroyed. It takes into account the item’s original value, minus depreciation, which is the gradual decrease in value over time due to age, wear and tear, and other factors.

What is Replacement Cost Value (RCV)?

Replacement cost value, on the other hand, is the amount it would cost to replace or repair a damaged item with a new one of similar quality and function. Unlike ACV, RCV does not take into account depreciation. Instead, it reflects the actual cost of replacing the item with a new one. Not only does it replace, but it also eliminates a lot of grey area in what you will and will not get. And that can be a big relief.  

Comparing ACV and RCV with An Example

Let’s say you have a roof that is 10 years old and suffers significant damage from a storm. The insurance company sends an adjuster to assess the damage and determines that the cost to replace the roof with a similar one would be $15,000.

If you have an actual cash value policy, the insurance company will factor in the depreciation of the roof due to its age. If the adjuster determines that the roof has a useful life of 20 years, then you would receive a payout of $7,500 ($15,000 minus 50% depreciation for the 10 years of use).

On the other hand, if you had a replacement cost value policy, the insurance company will cover the full cost of replacement, regardless of depreciation. In this case, you would receive a payout of $15,000 and be able to fully replace their damaged roof.

Which Type of Coverage is Right for You?

Insurance is a balance between paying more now or potentially paying more later. With RCV, your premiums are higher but you are fully covered when a claim arises. With ACV, you would pay less in premiums, but may need to pay a lot out-of-pocket for a replacing items. In the example above, you’d be paying $7,500 for a new roof while the person with RCV coverage wouldn’t pay a penny! You’d be paying less now, but more overall.

We recommend having RCV for the peace of mind it brings. We wouldn’t want you to pay a little less now and then be in situation where you are paying excessive money to replace a roof or other item.

Why Bogle Insurance Support Is Your Best Bet

When it comes to the tough decisions related to various business insurance coverages, including Personal Lines Coverage for Property, Homes, Automobile, etc. you will want the most experienced professional agency. Bogle Agency Insurance, based in Lyndhurst, NJ, not only offers you, your family, and/or your commercial business property and liability insurance options, but we can help you understand all the variables. At Bogle Agency Insurance, we are your Bergen County, NJ, Insurance advocate. We are not the insurance carrier, we are a family insurance practice, 4 generations and 100+ years, dedicated to helping you make the best possible decision. Simply request a quote to get started today!

Insure Yourself Online

You make sure your home, automobile and assets are insured, so don’t forget to protect yourself on the internet. Bogle Agency Insurance offers exceptional cyber insurance coverage with Chubb Masterpiece Cyber Protection to NJ residents. The knowledgeable agents at Bogle Agency Insurance are always ready to discuss online insurance through Chubb Masterpiece with prospective applicants.

Cyber Crime Has Become A Real Concern

Chubb Masterpiece Cyber Protection shields you from identity theft, loss of financial security, and the release of your personal information. Restoring these things can involve a long and painful process, along with emotional stress caused by these concerns.

Insuring Your Online Presence With The Help Of Experts

Bogle Agency Insurance is offering Chubb Masterpiece Cyber Protection because we believe this type of coverage should be a priority. As you and your family become more dependent upon the use of the Internet for banking, communication, shopping and travel, the more cyber protection becomes necessary. To speak with one of our experienced and knowledgeable agents about protecting yourself online with Cyber Insurance, give us a call in Lyndhurst NJ at (201) 939-1076

Short-term health insurance in NJ is a type of health insurance that provides coverage for a limited period of time, typically anywhere from 30 days to 12 months. These plans are designed to provide temporary coverage for individuals who are in between jobs, waiting for employer-sponsored coverage to begin, or who are not eligible for other types of health insurance.

Affordable Premiums

Short-term health insurance plans typically have lower premiums than traditional health insurance plans. This is because short-term plans are designed to provide coverage for a limited period of time and do not have to meet the same requirements as other types of health insurance. This makes them a more affordable option for individuals who need temporary coverage.

Flexibility

Short-term health insurance plans offer a great deal of flexibility. These plans allow you to choose the length of coverage that best fits your needs, ranging from 30 days to 12 months. They also offer a variety of deductibles and copays to choose from, allowing you to customize your coverage to fit your budget and healthcare needs.

Fast Coverage

One of the biggest advantages of short-term health insurance is the speed at which coverage can begin. In most cases, coverage can start as soon as the next day after you enroll. This is particularly beneficial for individuals who need coverage quickly, such as those who are in between jobs or waiting for employer-sponsored coverage to begin.

No Network Restrictions

Short-term health insurance plans do not have network restrictions, meaning you can choose any healthcare provider you want. For those who travel often or live in areas where healthcare options are limited, this type of plan could be quite appealing.

Additional Benefits

Many short-term health insurance plans offer additional benefits, such as telemedicine services, prescription drug discounts, and wellness programs. These benefits can help you save money on healthcare costs and improve your overall health and well-being.

Seek Professional Guidance

Bogle Agency Insurance offers assistance and guidance to choose the best insurance protection for your unique needs. Our experienced knowledgeable agents stand ready to help you decide what insurance coverage offers the most protection for your particular circumstances. Give us a call at (201) 939-1076 for an appointment to discuss your needs for Insurance.

Offering Auto Insurance With A Top Company

Bogle Agency Insurance of Lyndhurst NJ, offers car owners in NJ the best automobile coverage with Chubb Masterpiece Auto Preference. Cars are more technologically advanced, built with lighter, more fuel-efficient materials, and electric cars are ever more common, so repairs and maintenance are more expensive and more complicated. In light of all this, Bogle Agency Insurance offers premier automobile insurance with Chubb Masterpiece Auto Preference. We recommend that you insure your car with Chubb Masterpiece in NJ.

Coverage Is Comprehensive

Chubb’s Masterpiece insurance is for all types of automobiles, high-end to everyday family cars. Their team of Auto Technical Specialists make sure repairs are done in accordance with manufacturer specifications. When this is not possible, you are covered for a total loss. A client’s satisfaction with service and safety is always the main focus. Chubb’s agents respond quickly and efficiently to claims, making the process easier so that an automobile owner can get their car back on the road. Bogle Agency Insurance is pleased to offer Chubb Masterpiece Automobile Insurance to car owners.

Top Coverage For NJ Car Owners

Bogle Agency Insurance feels confident that when they offer Chubb Masterpiece Auto Preference to NJ car owners, they are providing the most complete protection with a foremost carrier. For a consultation with one of our agents about automobile insurance, call us at (201) 939-1079.  We feel it is to your benefit to insure your car with Chubb Masterpiece in NJ.

Nearly 40% of people have a health care plan with a high deductible. An even higher percentage of people wish they had a lower deductible (who wouldn’t?!). And with medical bills being the leading cause of bankruptcies, it is important to understand how to maximize your high deductible so that you can stay afloat in case something unexpected were to happen.

1. Find Out What’s Free (High Deductible Health Insurance)

Many routine services are free. Instead of staying home to save money, you could get a free screening for preventative care. Common services covered are colonoscopies, mammograms, and vaccinations. About 90% of people with high deductible health insurance plans don’t know that such services are free.  You can learn more about free services by viewing your policy details or giving your carrier a call.

2. Pay in Cash (High Deductible Health Insurance)

See if you can get a discount by paying in cash. We know someone who had a high deductible who needed a $4,500 eye surgery. Because of his deductible, he was going to have to pay it in full. He called the doctor’s office and asked how much it would cost to pay in cash — only $1,500! It was a no-brainer. He paid in cash and saved $3,000.

3. Ask For An Alternative

Figure out whether there is a cheaper, alternative option. Doctors will provide you with the typical, recommended option. Sometimes, it can be pricer than other options that are just as effective. See if something else can be done to give you the help you need at a more reasonable price.

4. Get Generic Prescriptions

Consult your doctor about prescriptions and ask for a generic. Consumer Reports found that generic versions of the five most widely prescribed medications were 447% cheaper!  How would you like to save 447%?

Take a look at GoodRx to compare prices for thousands of prescription drugs at more than 70,000 pharmacies.

5. Compare Provider Prices

Prices can vary wildly for the same procedure. Before scheduling a procedure, ask around — you may be surprised what other providers are charging.  Even something as simple as a blood test can vary in price by $100. Bigger ticket items, like an MRI, can vary by $500+. It’s worth the time to learn what others are charging.

6. Use Caution During Wellness Visits

For most plans, a wellness visit is covered. However, not everything done during this visit is covered. A doctor might recommend a test (like a hearing test or an x-ray) that would be considered outside your wellness visit and would result in a charge. Before the test is performed, be sure to ask your doctor if it will be covered; but don’t refuse the test just because of the cost (you might need it!).

7. Stay In-Network

You will typically pay a lower rate by going to providers in your plan’s network. Additionally, only in-network charges count against your deductible and out-of-pocket maximum. So if you get a $10,000 surgery out-of-network on your $10,000 deductible and think that your next payment will be covered, you are wrong! An out-of-network service will NOT count against your deductible. You would have to pay towards that $10,000 on the next bill. If possible, stay in-network!

8. Open A Health Savings Account (HSA)

Most high deductible health plans give you the opportunity to open a health savings account (HSA). This account allows you to put money away to use specifically towards medical expenses. An HSA is tax-exempt, meaning you won’t pay taxes on the money earned and placed into the account. You can even get set up with your employer to have money from each paycheck sent directly to your HSA, pre-tax. Another nice feature to an HSA is that your funds roll over year after year.  You don’t have to use it or lose it. The money is yours and will stay in the account (unless you take it out!).

9. Have an Emergency Fund

If your plan doesn’t offer an HSA, consider creating your own emergency fund as a safeguard in case something were to happen. A wise amount to set as a goal for you account would be your deductible; or even better, your out-of-pocket maximum. This way, you could easily pay off a medical bill.

10. Keep Records

Be sure to keep copies of all medical receipts. Whether you file them in a manila folder or store them on your computer, it will be helpful to have them on hand in case the insurance company were to make an error.

11. Double Check Every Bill that Comes in the Mail

This is a biggie. There have been several times recently that I’ve received a bill that was wrong. In one instance, we had just changed insurances to a better policy, but our bill was based upon the previous policy rates. This was an easy change. Another time, we told our doctor to send blood test results to a provider that was $20 cheaper than the place where they usually send them. The doctor’s office forget to do this, and sent us a bill for the more expensive provider. After pointing out their error, they agreed to pay the difference.

12. Be Clever with Timing

Your annual deductible resets every year. If you need an expensive procedure, try to schedule it early in the year. This could help you in case something comes up later in the year. For example:

Joe’s $7,000 deductible resets on January 1st. It is currently November and he hasn’t had any prior major medical expenses, so he hasn’t paid anything towards the deductible. Joe is going to need surgery on his knee that will cost $7,000. He can still move around, but the surgery will help with the pain he experiences when running or walking for extended periods. Instead of scheduling surgery immediately, Joe delays the surgery until after January 1st. On January 15th, Joe gets his surgery and pays his deductible in full. Now, for the rest of the year, insurance will cover his expenses (minus the co-insurance until he reaches the out-of-pocket maximum). So if something else major happens to Joe within that year, it will almost entirely be covered. Joe was wise.

Now you can be wise, too!

Share These 12 (High Deductible Health Insurance) Tips With Others!

Don’t let family and friends miss out on saving money! Remember, 90% of people don’t know that insurance plans offer free services. Now that you know these great tips, share them!

Health Insurance Options In NJ

Discovering the best health insurance coverage for the most affordable price is daunting. Bogle Agency Insurance, located in Bergen County NJ, is helping individuals, families and businesses all over New Jersey find the best health insurance for their needs and budgets. Whether you are seeking an individual health plan, a family health plan, or a group business plan, we can guide you. We are an outstanding local insurance resource and will work to locate the right plan with the best coverage for the best price.  Finding Health Insurance in NJ shouldn’t be difficult or confusing.

Who Needs Health Insurance?

The answer to that is – Everyone. Healthcare costs are at an all-time high and a good health insurance plan can help keep those costs within reason. Even if you don’t get your coverage through the Affordable Care marketplace, you do need to have insurance that meets the standards set forth by the Affordable Care Act.

Not all insurance plans list all doctors, so if you have a doctor that you like make sure the plan you choose lists your doctor. Even if you currently have an insurance plan that fits your needs, being aware of other options will help make sure you continue to have good coverage at a price you can afford.

Seek Professional Help

Health Insurance is complicated and keeps changing. Your priority is the best coverage for the most affordable price. Bogle Agency Insurance can guide you and make you aware of what you need to know about NJ Health Insurance options. If you are in the market for a new Health Insurance Plan or feel you would like to renew the plan you have, call Bogle Agency Insurance for a consultation, you might learn something you didn’t know. We can be reached at (201) 939-1076.

Homeowners and Automobile Insurance Cover You To A Limited Degree

All homeowners in NJ with a mortgage probably have Homeowners Insurance, and all automobile owners in NJ must have Automobile Insurance. These policies protect you but only to a limited degree, after which you are self-insured. Bogle Agency Insurance offers Chubb Masterpiece Excess Liability Insurance which gives you some of the highest limits of liability coverage. When the unexpected occurs and your home or automobile insurance don’t completely cover you, Chubb’s insurance offers higher or excess liability protection. This insurance is known as “umbrella insurance” because it covers you like an umbrella.  Bogle Agency Insurance is proud to offer Chubb’s Excess Liability protection in NJ.

Protect Your Valuables And Your Lifestyle

You have strived to offer your family a comfortable lifestyle and expensive belongings. Excess Liability Insurance protects you with higher limits than most standard insurance.

Chubb Masterpiece Excess Liability Insurance also covers your legal representation when the unexpected happens. This insurance is meant to cover NJ clients who require protection above what the traditional Homeowners Insurance and Automobile Insurance policies provide.  Bogle advises that families in NJ take advantage of the coverage offered by Chubb’s Excess Liability Protection.

Seek Professional Guidance

Bogle Agency Insurance offers assistance and guidance to choose the best insurance protection for your unique needs. We offer Chubb’s Masterpiece Excess Liability Insurance because it provides the best coverage. Our experienced and knowledgeable agents stand ready to help you decide what insurance coverage offers the most protection for your particular circumstances. Give us a call at (201) 939-1076 for an appointment to discuss Excess Liability Insurance.