Don’t let Plumbing Problems take you by Surprise

An annoying dripping tap can keep you awake at night, but a burst water pipe that floods your home or a blocked sewer line that makes toilets, showers and sinks unusable can create havoc in your home and disturb your domestic routines.

•Prevent drains from being clogged by insoluble matter by placing a strainer in each plug hole to capture hair, eggshells, tea leaves and coffee grounds.
•Avoid getting grease and oil into drains where it can solidify and cause blockages.
•Consider the growth habits of trees you plant in your garden. Trees with invasive root systems can break sewer lines. Keep the roots of existing trees under control by regular trimming.
•Keep watch for small leaks and if you notice anything amiss have it repaired immediately to avoid further damage.

One of the most important things a homeowner can do to avoid a minor problem turning into a major crisis is to become familiar with the water shutoff valve. You may be able to fix some minor problems yourself, and it’s useful for a homeowner to know how to replace a worn tap washer or adjust a toilet cistern ball float. Serious problems in your home’s plumbing or drainage systems should only be tackled by a qualified plumbing specialist. Call your agent or insurer if you are uncertain what types of plumbing repairs or water damage may be covered by New Jersey homeowners insurance.

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Bogle Agency and Merwin Paolazzi Announce Affiliation with Consolidated Insurance Agents of NJ

-For immediate release-

Consolidated Insurance Agents announced today its new association with Bogle Agency Insurance and Merwin & Paolazzi Insurance Agency

Monmouth Junction, NJ (January 16, 2012) – Consolidated Insurance Agents LLC announced today their affiliation with Bogle Agency Insurance and Merwin & Paolazzi Insurance Agency, both of Lyndhurst, NJ, as equity partners.  Coupled with over a dozen producing agencies, Consolidated Insurance Agents LLC is the Garden State’s fastest growing network of independent insurance agencies.

“We are thrilled to add these prestigious agencies to the ranks of Consolidated.  Their decades of industry experience and strong carrier relations complement our current offerings and add over $35M of premium volume,” said John K. Tiene, Consolidated CEO.

Philip R. Bogle, President of Bogle Agency Insurance, a fourth-generation agency, commented, “I’ve been watching the development of agency networks over the years, and we feel strongly that Consolidated Insurance Agents is the right alliance for us.”

 “The retail insurance market is changing and it is more difficult than ever to increase profits.  Joining Consolidated will ensure our ability to compete and grow effectively over the next 15 to 20 years,” said Michael Merwin, president of Merwin & Paolazzi Insurance Agency.

Consolidated, a New Jersey-based network of independent insurance agencies was formed by the Pavese-McCormick Insurance Agency of Monmouth Junction, NJ and the Valvano Insurance Agency of Linden, NJ in 2010. They were soon joined by United Assurance of Fair Lawn, NJ. Today, the member agencies of Consolidated Insurance Agents LLC control over $150 million in premiums and provide direct markets for nineteen independently-owned agencies.

 Member agencies benefit through direct access to standard markets without large volume commitments that provide agents higher retention and new business sales opportunities as well as aggregation of premiums. In addition, they provide their members access to a wide variety of additional products and services agencies need to compete and survive in the current marketplace.

CIA is currently accepting applications from like-minded agents for equity and producing partner opportunities.

To learn more about the program the CIA website address is: www.consolidadedinsurancenj.com.

And to learn more about the Bogle Agency, please visit them at their website and Virtual Insurance Office at: www.bogleagency.com, or via twitter at: @bogleinsurance, or its Facebook Fan Page at:  http://www.facebook.com/pages/Bogle-Agency-Insurance/171280236234707

John K. Tiene

CEO

Consolidated Insurance Agents LLC

3759 US 1

Monmouth Junction, NJ 08852

Office:   (732) 960-2035

Cell:      (609) 923-5280

Fax:      (732) 200-3428

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What to Expect from your New Jersey Homeowners Insurance Agency

What do you look for when you’re purchasing New Jersey homeowners insurance?  Your home may be your largest investment, and finding the best insurance to protect that investment can be a complex task. Many homeowners turn to insurance agencies to manage their homeowners insurance needs. But what services would a good insurance agency provide? Here are a few features that you might look for:

  • An agency should employ efficient and knowledgeable insurance professionals.
  • An agency should provide friendly, personalized service: discussing and understanding your insurance needs, helping to identify the best value insurance product, and after-sales assistance like reminders when policies are due for review or renewal.
  • Agency staff should have a wide range of expertise in different insurance products. Your current focus may be on homeowners insurance but it’s important for an insurance agency to be able to be a single point of contact for personal and business insurance requirements.
  • An insurance agency should offer expert assistance when a policy holder needs to file an insurance claim. Filing a claim may follow an unpleasant experience like a house fire or burglary, and at such times policy holders look for a combination of sensitivity and professional expertise.

These are some of the important features of a good insurance agency. Shopping for the best New Jersey homeowners insurance will be a breeze with the help of a good local insurance agency, so give us a call today!

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Keep your New Jersey Life Insurance Records Up to Date!

Have you purchased a New Jersey life insurance policy? It’s important to remember that someone other than you will be filing any claim on your life insurance policy, so make sure you have complete records relating to the policy as part of your personal papers.

There are a few essential items of information to be noted.

  • Record the name of the company issuing the policy and the address of its headquarters.
  • Record the name and contact details of the agency that sold you the policy.
  • Record the policy number, type of policy and date it was issued.
  • Record the amount of death benefit purchased.
  • Identify the beneficiaries you wish to receive the insurance payment.

Be sure to record where the original copy of your New Jersey life insurance policy is stored. It’s important to keep all of this information up to date by recording any changes that may take place over time, such as changes of name. Take copies of your life insurance records and store each copy in a separate place. One copy of the records should be in a place where your beneficiaries will look for them, and a backup copy should be kept somewhere away from your home, in a safe deposit box, a friend’s house, or as a digital record. Keeping this information up to date will ensure a stress-free payout in the future.

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Hiring an arborist and protecting your property with our New Jersey Homeowners Insurance!

Standard New Jersey homeowners insurance may cover garden trees for a range of risks such as fire, lightning, and vandalism. Homeowners often purchase additional coverage for valuable mature trees and for the risk of wind damage. Fortunate homeowners with large properties and ample, mature trees sometimes hire an arborist to care for trees in the garden.




Arborists are trained and equipped in the care of trees. They provide a range of specialized services:

• Arborists carry out pruning to maintain trees. They can remove branches that interfere with wires and parts of buildings or obstruct streets; remove branches that are dead, weak, damaged, and diseased or infested with insects; train young trees; and work on the shape or structure of trees to improve appearance, lessen wind resistance or increase light penetration.
• Arborists can remove trees as a last resort. An arborist is trained to determine when a tree should be removed and has equipment to carry out this task safely.
• Arborists undertake emergency work on trees. They are trained to work safely on heavy trees and branches that may have fallen or been damaged because of storms.
• Arborists know the characteristics of trees and can recommend varieties to be planted in specific locations.

Having invested in New Jersey homeowners insurance protection for your garden trees, take some time to select the right arborist to care for them. Be sure to hire a trained, experienced professional who carries personal, liability, and workers compensation insurance if appropriate!

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