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American Insurance can help you with affordable and reliable home insurance in East Brunswick NJ, Edison NJ, Old Bridge, Scotch Plains, Springfield NJ or Union NJ. Your home is such as big investment that you cannot risk toxic home insurance. You want home insurance that is good and proper and covers you for your real risks.
Home insurance will cover you for normal risks such as fire, certain natural disasters, theft, liabilities, loss of content and so on. However, you need to know how much you are covered for. Will your insurance cover you for the full repair or replacement of your home and / or valuables?
Your standard homeowner’s policy should cover
- The structure of your home
- Outbuildings, pool, fencing and unattached structures on your property
- Landscaping
- Replacement costs
- Personal possessions (up to a set limit)
- Living expenses in case of a disaster
- Liability
It is important to know an understand that home insurance does not cover every conceivable risk and event. Flood insurance is a good example. Standard home insurance does not include cover for flood damage. By flood damage we mean a natural flood such as storm surge of flash flooding. So, it is important to be aware of any exclusions and if that compromises your coverage.
You may need supplemental insurance for certain risks and specified valuables. Supplemental policies could include
- Valuable Articles/Floater policies (i.e. Jewelry Insurance)
- New Jersey Flood insurance policies
- Earthquake policies
- New Jersey Umbrella insurance policies (additional liability)
- Animal Liability (liability issues due to household pets)
If you want solid home insurance in East Brunswick NJ, Edison NJ, Old Bridge, Scotch Plains, Springfield NJ or Union NJ, then you should consult the team at American Insurance. They understand your requirements and your risks and will custom tailor a home insurance policy to match your needs and your budget.
Home Insurance and Auto Insurance in East Brunswick, Edison, Union, and Scotch Plains NJ. Get Flood Insurance & Renters Insurance, Commercial Insurance, Business Insurance.