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Even if it weren't required
by lenders, we'd recommend home
insurance anyway.
Home Insurance covers the home
or housing unit you live in, and
the belongings you have in it.
It also protects you from
liability should anyone get
injured while visiting your
home.
Our partners at Martin offer a
variety of Home Insurance
programs – including coverage
for people who rent their home,
and specialty insurance for
flood.
Do you need Home
Insurance?
Regardless of cost of your home
or belongings, your location, or
your financial situation, our
partners at Martin recommend
Home Insurance to everyone.
Why? Because for virtually all
people, a home is their most
valuable possession – if your
home were to get damaged or
destroyed in a fire or some
other unforeseen disaster, could
you afford to replace it? And
even if you could, would you
want to liquidate your savings
so dramatically?
Home Insurance covers
possessions too. So if your home
is burglarized, or say a pet or
child breaks some memento – Home
Insurance offers financial
reimbursement for your loss. Of
course the amount of
reimbursement depends on your
exact coverage.
Here's another great example of
why you need Home Insurance:
let's say you host a gathering
at your home and one of your
guests is injured going down
your step and then decides to
sue you to cover medical bills.
An unfortunate and all too
common situation, but one that
Home Insurance offers protection
from.
Why buy Homeowners
Insurance through the Kovacs
Financial Group?
While there are many reasons to
buy your Home Insurance through
our partners at Martin, here are
two that customers often tell us
are the reasons they refer
friends and family to Martin:
We're an independent
insurance agent
Unlike many insurance providers
– including most of those you
see advertising on TV – our
partners at Martin aren’t tied
down to one carrier. Which means
we can compare plans and pricing
from a variety of companies and
choose the solution that's right
for you. Sometimes the most
expensive isn't actually the
best!
Our Partners at
Martin!
With over 25 years as an
independent agent serving the
New Jersey marketplace, Martin
has experience and expertise you
can count on. We know the
questions to ask you before you
buy a policy, and stay on top of
the administrative paperwork
year in and year out.
The different types of
Home Insurance
Homeowners Insurance
Whether you have a detached,
private home, a townhouse, or
unit in an apartment complex,
our partners at Martin can get
you the right insurance for your
needs. We also cover vacation
homes and rental properties –
and even offer insurance for
people who are tenants.
Flood Insurance
Our partners at Martin also
offer Flood Insurance. Always
required by lenders for homes in
designated "Special Flood Hazard
Areas", this type of insurance
protects specifically against
physical damage caused by
flooding. Even if you don't live
in a flood plain, Flood
Insurance can be a good idea
since most Homeowners Insurance
policies do not cover damage due
to flooding.
Umbrella Insurance
Personal liability "umbrella"
insurance is coverage that goes
into effect when the limits of
your home or auto insurance
policies are reached. For
example, say your Home Insurance
limit for liability is $300,000,
and someone who is injured on
your property sues you for
$500,000. Without umbrella
insurance, you could owe
$200,000 out of pocket – the
difference between the claim and
your coverage. |
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Group Long Term Disability Insurance, Long
Term Care Insurance, Group Long Term Care Insurance, Auto
Insurance, Car Insurance, Accident Insurance, Homeowners
Insurance, Home Insurance, House Insurance, Business Insurance,
Business Auto Insurance, General Liability Insurance, GL Policy,
Workers Compensation, Workers Comp, Professional Liability
Insurance, Retirement Planning, Retirement Services, Planning
for retirement |
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