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Elmer, NJ 08318

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3 Reasons You Should Invest in Umbrella Insurance

As defined by Sloan Insurance Agency in Elmer, NJ, umbrella insurance (also known as excess or additional coverage) is an insurance coverage meant to protect your assets in the event of a significant financial claim exceeding your current liability coverages.

Unfortunately, most people assume that umbrella insurance is for the rich and famous only. However, the reality is that umbrella insurance is suitable for everyone with a source of income. Here are reasons why you should invest in umbrella insurance.

To protect your assets

Whether you have insured your existing assets with other types of insurance coverages or not, subscribing to umbrella insurance will help protect them further. This means that your assets are safe from claims that exceed your typical liability coverages.

To cover ubiquitous, expensive claims

In America, you can be sued for absolutely nothing. And since litigations are never far from us, you are better off with umbrella insurance. Besides, legal claims can be expensive. For instance, if someone gets injured within your home premises, beyond seeking compensation for medical expenses, they may sue you for lost income. Add legal costs like attorney fees and other legal fees, and you can see why liability claims can exceed your current insurance coverages.

Broader coverage

Another benefit of subscribing to umbrella insurance is that it provides broader coverage than other liability insurance coverages. Besides covering bodily liability and property liability, umbrella insurance covers personal liabilities like libel and slander excluded in conventional liability coverages.

Besides, while boat, home, and auto insurance policies aren’t recognized outside the US, umbrella insurance covers you anywhere in the world.

Buy umbrella insurance today!

After reading this post, if you’ve discovered that umbrella insurance is for you, reach out to Sloan Insurance Agency in Elmer, NJ, and get your assets covered beyond what you can imagine!

What Exactly Does Flood Insurance Cover?

Flooding is the most common natural disaster in the United States that destroys hundreds of homes and properties every year. Those homeowners who want to make sure that their homes are fully protected, especially if they live in flood-prone areas, purchase special flood insurance. It is not a mandatory type of insurance, but experts recommend to carry it anyway for additional protection. 

What Is Covered By Flood Insurance?

Standard flood insurance covers the following:

  • Foundation, anchorage systems, and staircases attached to the building. 
  • Appliances. It coves such built-in appliances, as dishwashers, dryers, and washing machines. Portable window air conditioners, refrigerators, and freezers with the food in them are also covered. 
  • Window treatments and carpeting. Any kind of carpet over wooden floors or installed carpet over the unfinished floor are usually covered by flood insurance. It also usually covers blinds and curtains. 
  • Essential systems. Plumbing and electrical systems, fuel tanks and the fuel in them, furnaces, water heaters, water tanks, pumps, and solar energy equipment. 
  • A detached garage. You can use up to 10% of your coverage toward a detached garage.
  • Personal belongings. Your personal items, such as electronics, clothing, furniture are also covered, as long as they are not stored in the basement. 

Sloan Insurance Agency serving Elmer, NJ – Your Safety and Safety of Your Home Is Our Priority

If you live in Elmer, NJ and you are thinking of getting flood insurance to protect your home and your personal belongings, Sloan Insurance Agency is the right company to contact. We provide tailored insurance solutions addressing the needs and requirements of our clients at competitive rates. If you have any questions about flood insurance, or you want to discuss insurance solutions, feel free to contact us. 

New Jersey Car Insurance — Tips to Prevent Car Theft

When you drive a car in New Jersey, you have several concerns on your mind. One of those concerns is theft. You worry about theft of your belongings, theft of the vehicle, theft overall. There are a number of things you can do to protect yourself here.

They are all things that insurance companies like you doing as well. At Sloan Insurance Agency, we want Elmer, NJ residents to have peace of mind over their assets. Take measures to make sure that your car won’t be stolen by implementing safety and security tips.

Use a Steering Wheel Lock

A car alarm is a great idea, but not as helpful as you might think. How many times have you seen passersby helping out when a car alarm goes off? Not often, because they accidentally go off all the time.

A steering wheel lock avoids worrying about the car alarm going off when you can’t detect it. This locks your steering wheel so a thief can’t take the car. You can get a lug nut lock for your wheels as well so that your tires can’t be stolen.

Don’t Leave Valuables in Your Car

We all leave valuables in our car whether it’s a bad idea or not. We get comfortable with our cars, our neighborhoods, our stuff. Leaving valuables in your car is not a good idea.
If you have money, ID, or even jewelry that you need to keep every day, keep it in a bag in your purse or your briefcase. A dash cam in your car shouldn’t be left in your car when you aren’t there. Any tech should be taken out of the car when not in use. Tech is very tempting to thieves in the night.

Get Home Security Cameras

An easy way to protect your car from thieves is to keep security cameras on your car from your home. Park your car under lighting and aim the camera at your car, and you can catch them in the act. You may not deter them unless they know they are there. But you will be closer to catching them than you would be without it.

Secure Your Car Today

At Sloan Insurance Agency, we know Elmer, NJ residents want to keep their cars safe. There is no foolproof method, but these tips will help. And your insurance company will like them. Call us for a quote to find the best auto insurance today.

Why Your Business Needs Commercial Insurance

When you own a business, there are many aspects to that business that can pose a legal and financial risk to you. This is why business owners need to have commercial insurance. There are many different types of commercial policies, and some will be right for your business. To find out more about commercial insurance, call us at Sloan Insurance Agency in Elmer, NJ.

Workers’ Compensation Insurance

This is a type of commercial insurance coverage that is mandated by most states, including New Jersey. This type of insurance is there to pay for injuries or illnesses that happen while an employee is at work. This insurance is great for your business because it means that your company won’t have to come up with the money to pay for the medical bills. Instead, the policy will pay for them. 

General Liability Insurance

There are many different types of liability coverage that are included in this policy type. It protects you against a number of different scenarios in which your business could be found liable. This is valuable protection that your business shouldn’t be without, although this type of insurance is not mandatory in New Jersey. 

Commercial Auto Insurance

If your company owns a car or truck, that vehicle has to be covered by a commercial auto policy. This policy is helpful to your business because it pays for medical bills and other costs generated by the vehicle it owns. Without this coverage, any accident that you are liable for would be paid out of your pocket. With this coverage, it can be paid for without you being sued for the amounts. 

Getting Commercial Insurance

Your business should have the basic types of insurance coverage it needs to keep itself financially protected. If you need one or more policies, call us at Sloan Insurance Agency in Elmer, NJ.

Does My Home Insurance Cover Flood Damage?

If you live in Elmer, NJ, observe climate changes from time to time as you analyze the risks. Knowing what your home insurance coverage entails helps you understand the type of damage you can claim against what you may not. Sloan Insurance Agency prioritizes your home’s safe by offering you friendly terms on insurance policies. Flooding is one of the deadliest natural calamities, and homeowners need to be cautious. One way to observe caution is to find out if your insurance covers you from floods.

What To Do If You Discover a Possible Flood Risk

Investigate your home area to determine whether there is a risk of flooding or any other calamity. Contact your insurance agency to enquire about a home policy that covers you from such issues. If you are already in the situation, contact your institution and ask about the claim procedure. Learn what you need to do to get compensated promptly. 

What Are the Limits of My Home Insurance Policy?

Your insurance company repairs your home and cleans it if you have purchased building insurance. Paying for content cover comes with loads of benefits as the insurer replaces all your damaged appliances as they clean your house after a flood. The policy pays any repair cost incurred during a calamity. However, review your policy to understand its extent as some agencies do not cover various home equipment. 

How To Claim If You Are a Victim of Floods  

Do not hesitate to reach your insurer immediately when hit by a flood. Assess the damage and stay safe to avoid injuries. Depending on the level of destruction, your insurance company can offer you an alternative home as they fix your house. Allow the agency to check your home to get the evidence they need to process your compensation. Fill the claim form promptly to allow enough time for cleaning and repairs, if not replacement of damaged equipment. 

Contact Sloan Insurance Agency today by visiting our website to secure your home in Elmer, NJ.

What is Contractors Insurance and Why Do you need it?

Working in the construction industry or as a tradesman can be inherently risky with the business owner potentially being liable for damage and injuries that occur at the job site. Carrying contractor insurance helps protect your business from the financial repercussions resulting from work-related incidents. Contractors insurance is designed for trades like construction, carpentry, plumbing, electrician, landscaper, painter, and handyman. Not only does contractors’ insurance protect the individual from potentially devastating financial implications, but also it is often a requirement of employers before they’ll hire you to work a job. 

Although a policy can be customized for your individual needs, basic policies include general liability and commercial auto insurance coverage. If you employ others then you will likely need to have workers’ compensation insurance to cover any workplace injuries or illnesses. In short, contractor’s insurance helps limit your overall liability exposure by covering expenses such as injuries or damage sustained by a client or at their property that you or your business are deemed responsible for. With contractors insurance, there is no such thing as one size fits all so be sure to work with a reputable insurance agency to customize a policy that best meets your needs.

At Sloan Insurance Agency in Elmer, NJ we are New Jersey’s premier provider for all your insurance needs. Our friendly and knowledgeable team of insurance professionals is ready to answer your questions and is committed to taking the time to learn your needs so that a policy can be customized to meet your expectations. Whether you are in the market for contractor’s insurance or just have questions, we are ready to help so give us a call today or stop by our conveniently located office to learn more. 

What is Classic Car Insurance?

If you still have your classic car stored in your Elmer, NJ home garage, you don’t have to leave it unprotected. Sloan Insurance Agency is helping classic car owners protect their investments and enjoy the benefits of their older assets. However, there are some conditions that you must meet when you are looking to get classic car insurance coverage.

Meet the Age Requirement

Not every car out there in New Jersey or across the country qualifies for a classic car insurance policy. Most of the insurance companies are very selective in this case, and they will only allow a car that is older than twenty-five years. Therefore, if your truck has only served you for ten years, there is a long way to go for it to qualify as a classic car.

Value of the Classic Car

Not all classic cars are the same, especially when it comes to value. Some are more expensive than others, and they will always attract expensive premiums. If you have customized your classic car, your insurance company will demand extra payments because additional customization increases the risk of your vehicle and enhances its value.

Meet Mileage Requirement

Classic cars are the only types of cars where mileage is an issue of concern when applying for insurance policies. Most insurance organizations require that a classic car meet a specific mileage limit per month or below. If it exceeds the agreed mileage requirement, you will be required to pay for additional expenses, some of which might not be very friendly.

Sloan Insurance Agency welcomes everyone in Elmer, NJ who wants to purchase an insurance policy for their classic cars. The company is ready to provide the necessary coverage to this item of value that transcends generations. Contact us for more information.

Is It Time to Update Your Motorcycle Insurance?

Having motorcycle insurance is important because it protects you and other people in the event of an accident. You can also get coverage that’s designed for things like theft, as well. If you’re looking for this kind of insurance in the Elmer, NJ area, Sloan Insurance Agency can help. We understand that an insurance policy on your bike matters and that your needs can also change over time. That’s why we recommend going over your motorcycle policy at least once per year and determining whether it needs to be updated. Our dedicated agents can help you make that decision.

A motorcycle policy will need to be updated if you’ve gotten a different bike, but that’s not the only time. There are other reasons to update your coverage, such as someone else riding the bike, completing a training course, modifications that have been made to the motorcycle, a change of address, and more. By going over your policy with a trusted, professional agent, you won’t have to worry about whether your policy gives you adequate protection or whether you might have an area of coverage that’s been missed. Instead, you’ll have peace of mind and can enjoy your time on two wheels.

Reach out to Sloan Insurance Agency today if you’re in or around the Elmer, NJ area and need motorcycle insurance. You don’t have to settle for a policy you’re not sure about or be left with questions you can’t answer. Instead, you can work with our agents to make sure you have the right policy for your needs.

It might be time to update your motorcycle policy. If it is, we can help, and if it isn’t, you’ll know you’re up to date and won’t have to worry about your particular coverage levels. Contact our office to get started with a quote.

Why do I need boat insurance in Elmer?

The Elmer, NJ area can be a great place to live, especially during the year’s summer months. Once the weather turns warm, there are plenty of local waterways that people can enjoy. To ensure that you can enjoy this area as much as possible, it would be a good option to invest in a boat. Along with the purchase of your boat, you also need to get a boat insurance plan. You need this coverage for a few different reasons. 

Insurance Protects Boat

A key reason you will need to get a boat insurance plan when you are in New Jersey is that it can protect your boat. Your boat will come with a big investment through your purchase price and ongoing costs of maintenance. If you choose a full boat insurance plan, you will properly cover and protect this investment. 

Insurance Needed in Some Areas

You will also want to get a boat insurance plan as it can be necessary for people in certain areas. Those who want to use certain marinas and various waterways could find specific requirements to maintain boat insurance. If you do not have coverage, you may not be permitted to use your boat in these areas. This insurance is required as it ensures others that you will have the capacity to pay for any damages that you cause. 

If you purchase a boat in the Elmer, NJ area, it would be a good idea for you to call the Sloan Insurance Agency. The team with the Sloan Insurance Agency understands the value that this insurance coverage provides. They can do this by working hard to assess your individual situation and provide the support you need to build an ideal plan for your situation. 

Why umbrella insurance is a good idea for almost everyone

Insurance provides a vital service for most people. It protects their home, vehicles, health, and life. Most types of insurance coverage are pretty cut and dry. You know why you have auto insurance and what it does for you. Umbrella insurance is not quite so clear cut. Many people have no idea why it is valuable and what it can do for them. At Sloan Insurance Agency in Elmer, NJ, we serve the Tri-State area and have since 1948. We are a full-service independent agency with many years of experience. 

Many insurance policies have a liability component. You don’t need to own a home to benefit from liability coverage. It is also included with the vehicle, renters, and boaters insurance to name just a few. Umbrella insurance provides a supplemental layer of liability protection. Why do I need more liability protection?  Most traditional policies have a limited amount of liability protection. It has become common for people to resort to legal action when they are injured by something considered negligence or where another party is at fault. 

No one wants to get sued, but it can be very costly if it happens, and any assets you have could be at risk. You don’t have to be wealthy or have a huge number of assets to be sued. That is why umbrella insurance is a good idea for almost everyone. The only people who really can’t benefit from it are those who own nothing of value and don’t have a job whose wages could be assigned. For the rest of the world, umbrella insurance is an affordable way to protect what you have worked so hard to accumulate. 

Contact Sloan Insurance Agency in Elmer, NJ for all your insurance needs. If you have questions about umbrella insurance, give us a call, stop by our office, or email an agent. We are here to help.