Interactive Planning Approach
One of the largest investments people make is purchasing a home. After spending this significant amount of money, it is important to talk with your insurance agent about a proper home insurance policy that can protect the value of your home and its contents.
At J.S. Braddock agency, we represent over 20 Home Insurance companies and can help you figure out the policy that fits your needs at a competitive rate.
Do I Need Homeowners Insurance?
If you have a mortgage on your home in New Jersey, you are required to purchase a homeowners insurance policy. Make sure you contact both your lender and your insurance company to make sure premium on your home is getting paid because many believe the Mortgage Lender pays the homeowners insurance, but this is not always the case.
What are the Basic Coverages included in Homeowners Insurance policies?
In a Homeowners Insurance policy, there are generally four types of coverage including: Dwelling and personal property damage, personal liability, medical payments and additional living expenses.
In addition to regular home insurance policies, our agency also offers coverage for Mobile Home Insurance.
Am I Covered in the event of a Flood?
If you do not have an additional Flood Insurance policy, your home would not be covered in the event of a loss caused by flooding. All homeowners policies exclude water damage caused by flood. There are additional exclusions that may apply to your homeowners insurance policy, so be sure to review your policy carefully and ask your insurance agent if you have questions. You can also receive a discount for protection devices such as burglar and smoke alarms.
Am I able to get Discounts on my Homeowners Insurance?
There are often several discount options for your insurance. Many companies offer multiple policy discounts giving you a percentage off premium for keeping two or more policies with them (for example Auto and Home Insurance).To discuss more discounts, call an agent today by visiting our contact us page and find an office near you.
Understanding Your Home Insurance
Your home is one of your biggest investments — and it deserves the right protection. At J.S. Braddock Agency, we help you find a homeowners insurance policy that safeguards your house, belongings, and family from unexpected loss. Our team represents over 20 top insurance companies to ensure you get the right coverage at a competitive rate.
Protect your home, belongings, and family with coverage designed for peace of mind inside and out.
Dwelling Coverage
Safeguards the physical structure of your home, including walls, roof, and attached structures, from covered damages such as fire or storms.
Personal Property Coverage
Covers your belongings — furniture, clothing, electronics, and more — if they’re damaged, destroyed, or stolen.
Liability Protection
Provides financial protection if someone is injured on your property or if you accidentally cause damage to another person’s property.
Additional Living Expenses
Helps cover temporary housing and related costs if your home becomes unlivable due to a covered loss.
