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When It Comes to Your Insurance - Kick the Tires!

Kick The Tires!

By Steve Tague

We the insurance-buying public are pretty funny people when it comes to purchasing insurance products.

When we buy a new car, we read Consumer Reports, ask our friends and relatives what they think and study the Sunday paper to get the best deal, which usually involves the best features and performance that you can get for your money. This effort is time consuming, but we do it to make sure things turn out right.

Would you ever plan a great vacation without researching the best hotels, the best restaurants and the best airlines to get you there?

Why then are we so cavalier about buying insurance?

As the result of the October 29^th Superstorm Sandy, many Insurance Consumers found out that, due to getting a cheap price for their premiums, they were missing some vital coverages that would have saved them hundreds maybe thousands of dollars from storm damage.

The tragedy here is that individuals did not find out that they didn’t have certain coverages until a claim occurred and it was not covered in their policy. Why you ask? Well, we either; refused the coverage because it cost us an extra $50 or $100 bucks or the insurance advice we were getting was geared towards minimizing the price rather than making sure we had the correct coverages that we needed.

The purchase of insurance in the future is not going to involve buying on an internet site or finding the right salesman/woman to give you the “cheapo” deal on a policy. No, the purchase of insurance in the future is going to involve our speaking with an experienced and knowledgeable expert to discuss your personal needs and making sure that your insurance program is geared towards what you individually need covered.

Protection of our assets is something that we and not just the people who sell insurance have to get involved with together. There is no cookie cutter policy that fits all situations.

We offer a free, no obligation review of your personal and commercial insurance programs. Get in contact with us via Facebook, Twitter or LinkedIn or just give us a call at 973-948-3200 Ex. 10 for Personal Auto, Home, Boat or Umbrella policies or Ex. 11 for Commercial/Business Insurance.

Don’t get caught without essential coverages for you! Kick the tires before you buy!

St. Patrick's Day Parades

Yes, it looks pretty yucky outside that window today.  Come on, you have been looking out all day wishing you were curled up at home with a nice warm cup of tea!

But, have  hope, tomorrow is slated to be 50 degrees with plenty of bright sunshine!

Yes, it's true, Springtime is trying to break through! So, what to do, what to do???

How about joining my band: Rory O'Moore Pipes and Drums  at The Annual Morristown St. Patrick's Day Parade? It's a great Family Outing. It steps off at 12:00 noon tomorrow. Morris County Sheriff Edward Rochford is the Grand Marshal and the parade starts across the street from Kings Supermarket and proceeds around the Morristown Square,  past The Morris County Courthouse.

For we Essex County Natives, Sunday brings us the West Orange St. Patrick's Day Parade which steps off at 12:15 pm from the West Orange Municipal Building and proceeds to Our Lady of Lourdes Church. My band and I will also be marching in this parade.

Finally, for you NJ Westerners, My band will be marching in the Hackettstown St. Patrick's Day Parade, which steps off at 3:30 pm this Sunday down the main street of Hackettstown.

So enjoy this weekend's weather and I hope to see some of you on either or a couple of these parade routes!

Cheers!

Steve

*To see some past photos of Rory O'Moore Pipes and Drums please visit
http://www.flickr.com/photos/roryomoore/

Upcoming Events in Sussex County NJ

We have a storm heading towards us this week and hopefully that's the last we'll see of Winter as Spring is just around the corner.  As the weather starts to get nice, I've noticed there is plenty to do in Sussex County in the coming weeks.   Looking for something fun to do, check out some of these events.......

Ok....so this first one is technically in Morris County, but I welcome everyone to go and see our own Steve Tague and his band Rory O'Moore Pipes & Drums lead the parade!

Morristown's St. Patty's Day Parade

Saturday, March 9th at 12:00 noon

The parade starts at the Morristown Municipal Building and ends at the Morristown Courthouse

And if you miss Steve in Morristown, you can also see him at the 

St Patty's Day Parade in  Newton NJ

on March 16th which starts at 11:30am.

Hampton Twp PTA - Tricky Tray
McKeown School Cafeteria
March 9th
Doors open at 5pm, calling starts at 7pm
The school is raising funds to provide a rock climbing wall in the school's gym

Annual Springfest Flower and Garden Show

March 14th - 17th  10am-5pm daily

Sussex County Fairgrounds, Augusta NJ

For ticket info, please visit SPRINGFEST

Frankford Twp School - Indoor Craft and Flea Market
March 16th 8am - 4pm
Frankford Twp School, Frankford NJ

Unique homes

Tonight I was watching an interesting show on HGTV called "You Live in What?".  This is a show that showcases people that have made a home from very unique buildings such as a church, a slaughterhouse, a grain silo and even a hydro-electric dam.

As I watched with interest, I couldn't help but to think "I really wish I could look at their homeonwer's policy!"  Did you know that many standard homeowners companies will not write a policy on a home that is either historical nor for a building that was built to be something other than a home?   I recently came across this situation for someone who had a remodeled a train station into their home. 

If you have a home that is listed as historical or one that is a unique building, please make sure to discuss this with your agent.  You do not want to find out after a loss has occurred that there could be a problem rebuilding the home with the current features. And I do urge you to check out "You Live in What?" on HGTV....it was a very interesting and fun show to watch!