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33 2nd St
Elmer, NJ 08318

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Do You Need to Insure Your Boat When it’s Out of the Water in Elmer, NJ?

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Boats can be expensive investments, so protecting them with the right insurance is essential. But how do you know if you need boat insurance when your boat is out of the water in Elmer, NJ? This blog post will discuss the coverage you need and how Sloan Insurance Agency can help.

What Types of Insurance Are Available? 

The type of boat insurance you need depends on several factors, including the size and value of your boat and where it is located. Two types of coverage are available for boats—liability and physical damage. 

Liability Coverage 

If you own a boat, consider purchasing liability coverage. This will cover any costs associated with property damage or bodily injury that your boat or its operation may cause. It also protects against legal defense costs if necessary. Liability coverage typically includes a deductible and limits on any payments made by the insurer. 

Physical Damage Coverage 

Physical damage coverage protects your boat if it is damaged by an accident or other unforeseen event (such as theft). This includes accidents caused by another person, natural disasters, vandalism, and collisions with other boats or objects in the water. Depending on your policy, physical damage coverage may also include repair costs for mechanical breakdowns or engine failure.

Do I Need Insurance When My Boat Is Out of the Water? 

Yes! Even if your boat is out of the water and not being used, it still needs to be insured because it can still suffer from theft or vandalism while not in use. Also, some insurance companies require that boats remain insured even when they are out of the water for extended periods (e.g., during winter).

If you have questions about insuring your boat when it’s out of the water in Elmer, NJ, contact Sloan Insurance Agency.

What does umbrella insurance cover?

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Umbrella insurance from the Sloan Insurance Agency is a type of policy that provides additional liability coverage to protect you from catastrophic loss in the Elmer, NJ area or anywhere else. It helps you cover the costs associated with personal injury lawsuits and other legal fees if you are found liable for an accident or situation that exceeds the limits of your existing homeowners, auto, or business insurance policies.

Umbrella insurance can help pay for damages like property damage, medical expenses, legal defense costs, libel or slander claims, and more. It also covers situations where you may not be legally liable but still have financial responsibility for another person’s injuries or property damage. This can include paying for a third party’s medical bills after an accident on your property.

It’s important to note that umbrella insurance does not cover all losses. Generally, it does not cover personal property damage or repair costs for your car or home. Additionally, it won’t cover intentional damage caused by you or someone in your family.

Umbrella insurance kicks in when the liability limits of your existing policies are exceeded. For example, if you’re found legally liable for an accident that causes $100,000 in damages, your auto insurance only covers up to $50,000 in liability costs. Umbrella insurance could cover the additional $50,000.

Umbrella insurance is a smart way to protect yourself from catastrophic loss and give you the peace of mind that you are covered if the unexpected happens. It can be an invaluable addition to existing auto, homeowners, and business liability policies and help ensure you are prepared for anything life throws at you. Consider speaking with Sloan Insurance Agency today to determine if umbrella insurance suits you. We proudly serve the Elmer, NJ area.

Winter Riding Tips

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In New Jersey, like most northern states, motorcycling is typically a three-season thing. You get your bike out in the spring and put it away in the winter. But just as bicyclists keep churning away all winter long, there are also those dedicated souls to their motorized two-wheeled transportation.

Here are some tips for your winter riding from Sloan Insurance Agency. We serve Elmer, NJ with local pride.

Make Sure Your Helmet Is Ready For the Ride

Anyone who wears glasses knows that cold, moist air can fog your lenses, destroying visibility. Fortunately, winter helmets are available with electric defogging or an antifog layer on their visor, so you don’t have to stop.

Wear Cold Weather Gear

Spring and summer riding gear is designed to pass as much air as possible to keep you cool. In winter, cooling tactics can lead to hypothermia and frostbite. Frostbite is worse even than a burn. Protect yourself with warm clothes that resist the wind.

On The Road, Make Yourself Visible

Motorcycles have low visibility even in the best conditions. In the winter, you can be even harder to see. Wear high-contrast colors that pick up and reflect headlights so you can be easily seen while driving. Your life might ride on your color choices.

Pay Attention To Yourself

Cold weather can do a number on your reaction time and awareness, and on a long ride in the cold, you need to be prepared to stop in a warm place to warm up, maybe even several times. Your body is the most important thing you have, so protect it.

Winter motorcycle driving can be an exhilarating experience if you’re prepared for it. Talk to Sloan Insurance Agency in Elmer, NJ for a free, no-obligation quote for your motorcycle policy.

Five Types of Boat Damages Your Insurance Can Help You With

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Boating is an exciting and enjoyable activity for people of all ages. However, accidents happen, and when they do, the damages can be expensive and impede the fun. Fortunately, Sloan Insurance Agency serving Elmer, NJ, provides policies that cover common boat damages and help to protect you from financial losses. The following are the types of boat damages that most insurance policies cover.

1. Weather-Related Damages

Severe storms, floods, and other weather-related events can cause costly damage to your boat. It may be necessary to have your vessel towed and repairs made to the hull, engine, and other components. Your insurance policy can help cover the costs associated with these repairs.

2. Accidents and Collisions

Repair costs can be expensive if your boat is involved in an accident or a collision. Damage to the hull and other systems may require extensive repairs that are covered by most insurance policies.

3. Fire Damages

Fire on board a boat can be devastating and costly. Most insurance policies will cover the cost of repairs to your vessel and any personal items destroyed in the fire.

4. Vandalism

Most policies also cover vandalism on board a boat. This includes damage to the structure, paint, electronics, or other parts of your boat that were deliberately destroyed by someone else.

5. Theft and Piracy

Most insurance policies also cover theft or piracy of your boat. This can include the cost of recovery and replacing items stolen from your vessel.

Ensure Your Boat is Protected With Our Insurance Policies

Sloan Insurance Agency, serving Elmer, NJ, provides comprehensive boat insurance policies tailored to your needs. Our experienced agents can help you find the right coverage for your vessel, so you can enjoy peace of mind knowing that your boat and personal items are protected. Contact us today to learn more about our coverage options!

Does Umbrella Insurance Cover a Home Office in New Jersey?

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If you work from home in Elmer, NJ, you may wonder if your umbrella insurance policy will cover your home office in case of a liability claim. The short answer is that it depends on which policy you choose. Agents at the Sloan Insurance Agency are always available to discuss your policy and help you get the coverage you need.

Umbrella insurance is designed to provide liability coverage above and beyond the limits of your homeowner’s or renter’s insurance policy. So, if you have a $500,000 umbrella policy and are sued for $1 million, your umbrella policy would pay for the additional $500,000. However, it’s important to note that umbrella policies have exclusions, just like any other type of insurance policy. One of these exclusions is typically business-related activity.

So, if you work from home and are sued for something related to your business, it’s unlikely that your umbrella policy would provide any coverage. However, there are some exceptions. For example, clients or customers who come to your home office may be covered under your umbrella policy if they are injured while on your property. Similarly, employees who work from your home office may also be covered under your umbrella policy in the event of a work-related injury.

In conclusion, whether or not umbrella insurance will cover a home office in Elmer, NJ, depends on the specifics of the policy and the situation. Business-related activity is typically excluded from coverage, but some exceptions include injuries to clients or employees. If you have questions about whether or not your umbrella policy covers your home office, please get in touch with Sloan Insurance Agency for more information.

Three Ways to Make Your Home More Resistant to Flood Damage

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Although no home is entirely safe from the risk of flooding, there are ways to make your Elmer, NJ home more resistant to flood damage. By taking some simple precautions and making some strategic changes, you can help to protect your home and belongings from the ravages of floodwaters. Here are some tips from your helpful neighbors at Sloan Insurance Agency:

Keep gutters and downspouts clean.

One of the most important things you can do to protect your home from flooding is to keep your downspouts and gutters clean. When rainwater falls on your roof, it has to go somewhere. That’s where your gutters and downspouts come in. They channel the water away from your home and foundation and help prevent flooding. But they can’t do their job correctly if they’re clogged with leaves and debris. So make sure to keep them clean!

Build with water-resistant materials.

Water can cause a lot of damage to your home, and water-resistant materials can help prevent this. Water-resistant materials can also help keep your home cooler in the summer and warmer in the winter, saving you money on your energy bills.

Keep electrical system parts above flood level.

Keeping your electrical components above flood level is essential if you live in an area prone to flooding. This will help to prevent damage to your home and belongings and will also help to keep you safe. If you are unsure about the height of your home, it is a good idea to check with your local floodplain manager.

The Sloan Insurance Agency in Elmer, NJ offers flood insurance to protect your home or business from flood damage. We can help you choose the right coverage for your needs and budget. Don’t hesitate to get in touch with us today to discover more.

Three Ways to Make Your Home More Resistant to Flood Damage

Posted on by admin

Although no home is entirely safe from the risk of flooding, there are ways to make your Elmer, NJ home more resistant to flood damage. By taking some simple precautions and making some strategic changes, you can help to protect your home and belongings from the ravages of floodwaters. Here are some tips from your helpful neighbors at Sloan Insurance Agency:

Keep gutters and downspouts clean.

One of the most important things you can do to protect your home from flooding is to keep your downspouts and gutters clean. When rainwater falls on your roof, it has to go somewhere. That’s where your gutters and downspouts come in. They channel the water away from your home and foundation and help prevent flooding. But they can’t do their job correctly if they’re clogged with leaves and debris. So make sure to keep them clean!

Build with water-resistant materials.

Water can cause a lot of damage to your home, and water-resistant materials can help prevent this. Water-resistant materials can also help keep your home cooler in the summer and warmer in the winter, saving you money on your energy bills.

Keep electrical system parts above flood level.

Keeping your electrical components above flood level is essential if you live in an area prone to flooding. This will help to prevent damage to your home and belongings and will also help to keep you safe. If you are unsure about the height of your home, it is a good idea to check with your local floodplain manager.

The Sloan Insurance Agency in Elmer, NJ offers flood insurance to protect your home or business from flood damage. We can help you choose the right coverage for your needs and budget. Don’t hesitate to get in touch with us today to discover more.

Why Full Coverage Auto Insurance is the Best Option in Elmer, NJ

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There are many reasons to have full coverage auto insurance, especially if you live in Elmer, NJ. This is because the state of New Jersey has particular requirements for car insurance, and full coverage is the best way to ensure that you meet those requirements. Here are all the reasons you should have full auto insurance coverage in Elmer, NJ:

Protect Yourself Financially

One of the most significant reasons to have comprehensive automobile insurance is to safeguard your finances. Full coverage will ensure that you are adequately compensated if you get into an accident. This type of insurance also covers any damage to your car due to weather or other conditions beyond your control.

Meet State Requirements

As mentioned, New Jersey has specific minimum insurance requirements that everyone who drives must meet. If they catch you going without meeting these conditions, you could face some pretty severe penalties. To avoid this, consider full coverage insurance.

Your Sloan Insurance Agency Elmer, NJ representative can help you understand the state’s insurance requirements and how full coverage can keep you in compliance.

Protect Your Investment

Your car is probably one of the most expensive investments ever. To protect that investment, you need to have full coverage auto insurance. This type of insurance will pay to repair or replace your car if it’s stolen or damaged in an accident.

Meet Lender’s Conditions

If you’re financing your car, your lender will require that you have full coverage auto insurance. This ensures that their investment is protected if something happens to your vehicle.

As you can see, there are many reasons why full coverage auto insurance is the best option in Elmer, NJ. If you have questions about this type of insurance or need help finding the right policy for your needs, contact Sloan Insurance Agency today.

What Are Two Types of Commercial Insurance?

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Commercial insurance is necessary for any reasonable business to operate safely and protect itself in the event of accidents and other mishaps. At Sloan Insurance Agency, serving the Elmer, NJ area, we believe every business should have the best chance at success. Building a thriving business comes down to being prepared for those times when things don’t go as planned. Mishaps and accidents can happen anywhere, and your business deserves proper financial protection for its day-to-day operations.

The two most common types of commercial insurance, aside from worker’s compensation, are property and liability insurance. Generally speaking, property insurance covers any damage to your business’s physical property. Liability insurance covers the area outside this – namely, damage caused to third parties. These insurance types are recommended for any serious business, as they will cover most if not all of the possible snags, issues, and mishaps that may occur. A good insurance policy is a significant first step toward protecting your business’ assets.

Contact us at Sloan Insurance Agency today, and we’ll help you navigate through the sometimes confusing world of commercial insurance. We’re glad to serve the Elmer, NJ area and are proud to help business owners be prepared for the ups and downs of owning a business in any way we can. Proper commercial insurance protects you financially but helps to give you peace of mind about your business operations, even when accidents or mishaps occur. You and your business deserve the best chance at success possible, and success starts with a strong foundation and the proper financial protection provided by a good insurance plan.

Home Insurance: Your Guide To Protecting What Matters Most

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It’s easy to feel overwhelmed when selecting the best home insurance policy for your needs, but it doesn’t have to be that way. Your home and family get covered from potentially devastating financial consequences by making an informed decision. That’s provided that you have access to the appropriate education and advice. For help, consult Sloan Insurance Agency in Elmer, NJ.

What’s Covered in the Home Insurance 

If your belongings or home are damaged by a risk covered by your homeowner’s insurance policy, you will be reimbursed for the costs. You might have come across the term "hazard insurance" or "home insurance," but property insurance is another common name. Protecting what is most valuable to you is essential to safeguarding your loved ones and possessions. 

It can be nerve-wracking to consider that something could go wrong without having the appropriate coverage for home insurance. As a homeowner, you should prioritize educating yourself about the various forms of protection at your disposal. When you have adequate homeowner’s insurance, you can relax knowing that you are safeguarded against catastrophes that make you worry. 

If you purchase the appropriate home insurance policy, your family’s financial future can be protected from uncertainty. Investigating various insurance companies and the coverage options is essential to find the most suitable company for your requirements. 

Having homeowner’s insurance protects the essential investment that your family has made if something unforeseen and unfavorable takes place. Additionally, it can shield you from the financial repercussions of certain occurrences, such as a natural disaster, a claim filed by a visitor who sustains an injury on your property, or legal action. 

Bottomline 

Compare different quotes and shop around to find the insurance plan that meets your needs at the best price. Maintain vigilance regarding the renewal of your policies, and check to see that you have sufficient coverage to meet your requirements. Verify that your insurance policy covers you in natural disasters such as earthquakes and floods. The policy should include liability coverage if you currently have a mortgage. For questions, get expert assistance from Sloan Insurance Agency if you live in Elmer, NJ.