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Sloan Insurance Agency

33 2nd St
Elmer, NJ 08318

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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.

Home Insurance: Your Guide To Protecting What Matters Most

Posted on by admin

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.

What are the Different Types of Contractor Insurance?

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If you are a contractor, you need insurance. There are many risks involved when you own a contracting business, and insurance can help protect you from these risks. At Sloan Insurance Agency in Elmer, NJ, we offer contractor insurance.

General Liability

General liability insurance protects you from many types of liability claims. It covers bodily damage to non-employees and property damage. If a judgment is made against you, the insurer will cover the costs up to the coverage limit. 

Let’s say you are working on a client’s roof. The hammer falls from the roof and damages their car. General liability would cover these damages, so you don’t have to. 

Business Owners Insurance

A business owner’s policy combines general liability with property insurance, also known as a BOP. It covers your tools of the trade and any buildings you use to run your business. 

Workers Compensation Insurance

If you have employees, you need workers’ compensation insurance. If an employee is injured on the job, you are responsible for medical bills and lost wages. 

Workers’ compensation insurance covers these costs, giving you and your employees peace of mind. 

Professional Liability 

As a contractor, a mistake can be very costly. Professional liability provides coverage for customer dissatisfaction, design flaws, and mistakes you may make. 

For example, if a mistake causes a building to not be up to code, this will cost the home or business owner time and money. Professional liability would cover any time loss and the costs to fix the issue. 

Contractor Insurance With Sloan Insurance Agency

If you need contractor insurance in Elmer, NJ, contact us at Sloan Insurance Agency. We’ll explain the types of contractor insurance and make sure your insurance needs are met. 

Sloan Insurance Agency answers 5 FAQs about classic car insurance

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A classic car is special. It’s one of a kind. You need insurance that’s just as unique.

Sloan Insurance Agency knows this more than most. Serving Elmer, NJ, our agency can help you find the right classic car insurance by answering these five common questions.

What is classic car insurance?

Classic car insurance is created specifically for vintage car owners. Although these features are comparable to traditional auto insurance policies, available options are quite different.

How is classic car insurance different?

A significant difference is that classic car insurance uses a designation called "agreed valued coverage." This means that you and an agent determine your car’s value when purchasing a policy. This value is typically set after a professional appraisal.

What types of cars are covered?

Classic car insurance is usually broken into three categories: antique, exotic, and custom. However, custom or modified vehicles can be tricky since these alternations can both add or detract from a vehicle’s value. A car’s age also impacts available coverage.

Is my car eligible?

Only certain cars qualify. In addition to fitting into one of the above groups, there may be other eligibility restrictions too. Most importantly, a vehicle must not be your primary vehicle to be insured as a classic car.

How much does classic car insurance cost?

Rates will fluctuate depending on a car’s make, model, and mileage. But, as a general rule, classic car insurance is less expensive than regular auto insurance. This is because classic cars spend less time on the road and more time stored in a garage.

Find an agent serving Elmer, NJ.

Sloan Insurance Agency can offer more than just answers. Their season agents are eager to "supe up" your vintage ride with a personalized insurance policy. Schedule an appointment today.

Is a comprehensive motorcycle policy right for you?

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The Sloan Insurance Agency is here for the motorcycle owners in Elmer, NJ. If you own a bike and want to ensure that you have the insurance protection you need, give us a call today!

Benefits of a comprehensive motorcycle policy

A primary insurance policy can provide you with basic protection. And often, bike owners choose policies that meet any state insurance requirements. However, there are several different reasons why choosing a more comprehensive policy may be the better option. Now is a perfect time to learn more.

The main advantage comes with the increased protection for yourself, any passengers, or other persons who may be injured in an accident involving your bike. With a comprehensive policy, you will have greater protection and level of coverage when it comes to expenses like medical bills. This is just one prominent example of the many benefits of comprehensive policies. 

Additionally, a comprehensive motorcycle insurance policy can provide greater coverage for incidents like theft and vandalism. There’s no reason why owners need to come out of pocket for these types of losses. When there is a comprehensive policy in place, you can expect to have more situations covered at a higher level.

Now is a perfect time to look beyond primary policies. Why not protect your bike, yourself, and passengers with a comprehensive policy today?

Find out more today!

If you are a resident of the greater Elmer, NJ area, the team here at the Sloan Insurance Agency is here to help you with all of your insurance needs. If you want to learn more about the many benefits of comprehensive motorcycle insurance policies, give our office a call today!