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Sloan Insurance Agency

33 2nd St
Elmer, NJ 08318

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Is Boat Insurance Required in New Jersey?

It is a beautiful time of the year. The birds are chirping. The sun is shining. And the water is calling. New Jersey boat owners are gearing up for days on the water. Before hitting the shore, though, make sure you have the coverage you need for your watercraft with Sloan Insurance Agency in Elmer, NJ.

Boats are treated a bit differently than automobiles in pretty much every state. Like other locations, Elmer, NJ does not require boat owners to carry insurance. Required or not, though, you should seriously consider having boat insurance to protect yourself and your boat if the worst should happen.

Boat Coverage Options

Also, like automobiles, boats have several coverage types to choose from:

  • Liability coverage
  • Property coverage
  • Medical payments coverage
  • Uninsured watercraft coverage
  • Guest liability coverage
  • Theft coverage

When choosing the coverage types you want, consider more than the boat itself. You also need to factor in any extra equipment you keep on your boat, such as diving or fishing gear. You might need additional coverage for those items.

Before You Insure:

There are a couple of steps you should take before you decide to purchase insurance.

Check Your Homeowner’s Policy

Some, though not all, homeowner’s insurance policies also cover the owner’s additional items, such as boats. Check your current homeowner’s policy to see what- if anything- it covers in regards to your boat.

Be Sure To Register

New Jersey residents are required to register a boat prior to insuring it. Taking the time to register before applying for insurance can save you some time.

If you have any further questions or are ready for your free, no-obligation quote, give Sloan Insurance Agency a call or stop by today! We look forward to helping you with your boat coverage needs so you can enjoy the water without worry.

How to Utilize Umbrella Insurance Effectively

In today’s society, it is vital to protect your assets as much as you possibly can. Whether it comes to theft, damage, etc., those are situations that are out of our control. This is why we believe in preparing for the worst, even when we don’t know what that is. The earlier we make a plan to protect ourselves and our assets as much as we can, the better we will be in the future.

At Sloan Insurance Agency, we believe that umbrella insurance is critical to individuals and families. We are based in Elmer, NJ, and we have worked in the local community for over 70 years. Here is why we urge our clients to get umbrella insurance sooner than later.

Umbrella insurance protects you from losing your assets in a lawsuit you were not prepared for. Whether you are in the wrong 100% or it is bodily injury that simply happened on your property, if that person wins, then they will try to get as much as they can from you. If that lawsuit exceeds your home insurance liability coverage, then umbrella insurance is there to be the safety net to protect all of your assets. Umbrella insurance policies are typically around $1 million – $5 million. That way, you do not have to pay any of the expenses out of your pocket (theoretically). The umbrella insurance can be the difference between you keeping your most important assets in your possession, to losing it all in the blink of an eye.

Are there any questions or concerns that you may want to ask our agents? Contact Sloan Insurance Agency in Elmer, NJ to speak with our team about your options and how you can get started with a policy.

How Does Flood Insurance Protect my New Jersey Home?

Owning a home in the Elmer, NJ or Vineland area can be a great long-term decision. While there are a lot of benefits that can come when you own a property in this town, there are some responsibilities as well. One thing that you will need to do is get a proper flood insurance policy. A flood insurance policy can protect a New Jersey property in a number of different ways. 

Protects Home Damage Caused by Flood

One way that a flood insurance policy can protect your home is by providing coverage if your home is damaged by a flood. If your home is damaged by floodwaters, there is a good chance that your damages will not be reimbursed by your home insurance policy. Fortunately, flood insurance will give you the protection that you need to rebuild or repair your home after a flood.

Protects Personal Assets

Similar to how a flood insurance policy will protect your home, it can also protect your personal belongings. Many people would have spent a lot of money purchasing personal assets including furniture, electronics, and clothes. When you have flood insurance, you can also receive coverage that will protect your personal assets. If they are damaged during a flood, you can file a claim to be reimbursed to replace these items. 

There are clearly many situations when you should get flood insurance. If you are in the Elmer, NJ area and need to get flood insurance, it would be a good idea to contact the team at the Sloan Insurance Agency. When you speak with the Sloan Insurance Agency, you will receive the support and guidance you need to choose the proper flood insurance and learn how it can protect you. Contact our office to receive a quote.

Coverage You Can Count on at Sloan Insurance Agency

Our Insurance Agency Offers Coverage You Can Count On

At Sloan Insurance Agency, we offer policies that include the three main coverages you need: auto, home, commercial. We believe that these are essential to feeling secure and protected in your home, on the road, or for your business. The latter can be a bit confusing to some, yet commercial insurance is a necessity for our Elmer, NJ clients, as business owners navigate the ins and outs of protection and issues that arise.

Benefits of the Three Major Types of Protection

Sloan Insurance Agency is your go-to for the major types of insurance, and we ensure our professional agents guide you towards the best coverage with maximum benefits. Following are the three major types of protection:

  1. Auto insurance – A basic policy is available to all drivers who seek security on the road for all potential hazards and conditions. New Jersey requires all motorists to carry at least liability coverage to protect yourself from accidents and theft. Most drivers carry comprehensive and collision, especially for those who lease or have a loan on a vehicle.
  2. Home insurance – Our agents at Sloan Insurance Agency understand that your home is your most valuable asset. We believe that protecting your home against any unexpected financial setbacks is key to a good financial policy. What if your roof leaks and eventually caves, or you suffer from water damage from a busted pipe, having a solid insurance plan that works for you and your family is the only solution. 
  3. Commercial Insurance – The most popular types of protection include errors and omissions, worker’s compensation, and commercial auto insurance for all company vehicles.

Request your appointment!

Don’t wait to suffer a loss to your property, your auto, or your business. Contact one of our agents in Elmer, NJ today!

 

How Should I Structure My Commercial Insurance Policy?

Your commercial insurance policy, like all insurance policies, can be structured to fit the individual needs of your business. So if you want additional coverage on certain products or pieces of equipment, you can request for this to be built into your coverage. While there are plenty of boilerplate policies available, it helps to consider the structure of your insurance before you sign off on the policy. Sloan Insurance Agency wants you to consider a few things if you’re trying to decide on a policy in the Vineland or Elmer, NJ area. 

Think of the Risks 

Your business is unlike any other business out there, so you need to think about your individual risks. If you’re in an area with high crime rates, you may want to think about how theft or vandalism is covered under the policy. Or if you’re a large business, you need to consider how this will affect your liability. The more people you serve, the more likely it is that you’ll be served with some type of claim against you.

Weather should also play a major role in your decision-making process. The more storms or events you face, the more protection you should have. You can also think about getting business interruption insurance. This form of insurance will cover the income you would have made in case your business needs to be shut down for repairs. 

Asking Questions 

Insurance can be a difficult thing to consider, especially when you have countless other details on your brain. But the best way to get the policy you need is to speak to someone who knows. If you want to discuss your policy with an expert, call Sloan Insurance Agency in Elmer, NJ today. We’re here to help you get the advice you need so you can make a better decision for your business. 

Don’t Let Icy Branches Damage Your Home This Winter

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!