Across the United States, a burglary occurs about once every 30 seconds, and there’s no telling when your Elmer, NJ home might be next on a burglar’s list. However, you’re three times less likely to experience a burglary if you equip your home with a security system.

But how might installing such a system affect your home insurance policy? At Sloan Insurance Agency, we can help you make the best possible coverage decisions for your home. In the meantime, here’s a closer look at the relationship between home insurance and home security systems.

What Happens to Your Insurance When You Install a Security System?

Some homeowners assume that installing a security system might raise their insurance rates, as they’re technically improving their homes by doing so. However, the opposite is usually true.

Remember, a home with a security system is up to three times less likely to wind up burgled. And since many security systems mean the house will be professionally monitored moving forward, and there’s also a lower likelihood of that home sustaining other types of damage.

All of this means the homeowner is significantly less likely to file a claim, which typically adds up to savings. Those savings could be significant depending on your policy and your choice of security systems.

What Counts as a Security System?

While any security measure may help you with home insurance, it should make sense that the more robust the system, the better the benefits. For example, installing deadbolts or intelligent locks on your doors can help, but not as much as a full-service security system.

The best benefits come from systems involving diligent professional monitoring, motion sensors, and similar features. But it’s generally still a good idea to speak with an experienced insurance agent before definitively deciding on a particular option for your Elmer, NJ home.

At Sloan Insurance Agency, we’re happy to help you make wise decisions about your existing and future homeowner’s insurance. Contact us today, and let us know how we can assist!

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.

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.

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.

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.

Homeowners insurance can create true peace of mind for many homeowners. The benefits and protections it provides are truly invaluable. However, to truly understand the benefits of homeowners’ insurance, you should familiarize yourself with what it covers. Sloan Insurance Agency of Elmer, NJ is committed to educating homeowners about the benefits of homeowners insurance and what it covers. Typically, homeowners insurance provides four general areas of coverage.

The Structure of Your Home

Homeowners insurance covers damage to your home, garage, gazebo, and other detached structures on your property. It will pay for the repair or rebuild of your home in the event of a fire and several other natural disasters that will be listed in your policy. They typically include lightning, hurricanes, and hail. However, homeowners insurance doesn’t usually include flood damage, earthquakes, or the deterioration of your home that results from aging. 

Liability

Homeowners insurance will cover several circumstances where you’d be considered responsible for any harm or damage to a visitor or visitors’ property. You are protected from lawsuits for property damage and bodily injury. Standard policies usually provide coverage of 100K; however, you can purchase more if this amount isn’t enough. Homeowners insurance will even cover damage your dog or pet may cause to your neighbor’s property. 

Personal Items

Your personal items, both on and off your property, are covered under homeowners’ insurance. This includes items kept in storage or somewhere else. Coverage for your personal belongings can comprise up to seventy percent of the coverage you have on your home. This coverage can also include rare and valuable items up to a specific limit. If you need more coverage for these types of items, you may need to purchase special coverage for these items. Your personal belongings are covered in the event of fire, theft, vandalism, and natural disasters included in your policy. Homeowners insurance covers trees and bushes on your property as well. 

Living Expenses

If something happens to the structure of your home and it becomes uninhabitable, homeowners insurance will pay for you to live elsewhere while your home is being repaired or rebuilt. However, it will also cover other associated living expenses like restaurant bills, hotel costs, and other living expenses. If you have questions about homeowners’ insurance, Sloan Insurance Agency of Elmer, NJ invites you to visit our office or give us a call. We’re here to help.

Getting ready for winter includes taking steps to make sure that your home will be safe from any weather-related damage. Wintry weather in the greater Elmer, NJ area consists of the possibility of high winds, ice storms, sleet, and snow. All of these factors can lead to circumstances where your home is damaged. A little work before winter sets in can help to prevent damage to your home, and Sloan Insurance Agency is here to help you get ready.

Make Sure Your Home Is Protected and Ready for Winter

Icy branches can wreak havoc and cause a lot of damage when trees aren’t properly maintained. Tree branches should be kept trimmed, and any weak or broken branches should be removed before winter hits. If you have large trees on your property, any damage that flying or downed branches cause can become your liability. With just a few hours before the heavy weather arrives, you can make sure that icy branches won’t be a problem. 

When branches are covered in ice or snow, there is a good chance that they will snap off of the tree. When this occurs during storms with high winds, it’s almost inevitable that these projectiles cause damage. Proper tree maintenance can prevent this situation from happening and leave your home untouched during winter storms. Make sure that your tree branches are trimmed, and trees near your home and your neighbors are adequately maintained. Any dead or severely damaged trees should be removed.

If your Elmer, NJ area home sustains damage this winter, or any time of the year, the team at Sloan Insurance Agency is here to help! Give us a call today for a full review of your home policy before winter hits!