"Back To School" Insurance

As August begins, it's time to start thinking about going back to school! What does that have to do with insurance? Here are a few things to keep in mind.

Good Grades - Do you have a teenage driver in the house (or one on the way)? Many policies allow discounts for students with good grades. Don't forget to talk to your kids about the importance of keeping those grades up! These discounts can apply to college students too.

Driver Training - There are different discounts available for Drivers Ed classes. We can review all the options and let you know which discounts will impact you the most.

Moving To The Dorm - Is your college student living in the dorm this semester? Your Homeowners Insurance may cover their belongings without additional coverage being needed. This is called Property Off Premises coverage.

Remember, any claims would be subject to your deductible which is usually higher on home policies! Let us review your policy to check for the specific amounts of coverage included.

Moving To An Apartment - Let's say your college student has graduated from the dorms and moved on to an apartment. In this case, your Homeowners Insurance would not cover their belongings and they would need their own Renters Insurance policy.

Renters Insurance is very affordable and covers all of the contents of the property. It also provides liability insurance if someone were injured in the property or if the student caused a fire, etc. By making sure they are properly insured, you are also protecting yourself.

We work hard to make sure all of our clients have the right coverage at all times. The fastest and easiest way to make sure your student is receiving all the discounts they qualify for and that their belongings are covered at college is to schedule a review! Call  973-948-3200 to review your policy and situation and we'll make sure all of your questions are answered.

August Home Maintenance Tasks

Every month, we share easy tasks you can do to keep your home in tip-top shape all year long.  In August, we still have warm temperatures and a few summer days left to enjoy.  So what can you do this month for your home?

Get Rid Of Allergens - Many people suffer from allergies due to dust mites.  But there are ways to rid your home of the dust without spending all day cleaning.  

Look for where dust lurks.  Use a damp cloth to clean all window blinds and fan blades once a month. If you have carpet, make it a priority to vacuum on a regular basis.  These things will get rid of dust and prevent allergies.

Clean The Grill - After a summer of heavy use, make sure your grill is still in good shape. Heat it up for 10-15 minutes to burn off any residue and then scrub the grill with a wire brush.  Start looking for a grill cover to keep it protected through the winter.

Plan A Fun Labor Day Weekend - Okay this isn't a home maintenance item, but it's still fun! Labor Day weekend is on the way.  Why not schedule a cookout or party with family and friends?  

Save on Home Insurance -  If we don't currently insure your home, call us at 973-948-3200 for a quote today. We'll look for every possible discount without sacrificing important coverage. Great insurance coverage is the best protection you can have!