Will Your Homeowners Insurance Cover A Fallen Tree?

Posted by B3X2lG9n0X3 on

NJ Homeowners Insurance Coverage | Bergen County NJ

NJ Homeowners Insurance Coverage | Bergen County NJ

Will your homeowners insurance cover a fallen tree? It is a common question when it comes to NJ Homeowners Insurance Coverage. As homeowners, we all deal with the intricacies of  homeowners insurance.  Most of us never think about whether we will actually use our NJ Homeowners Insurance Coverage, never mind thinking about what specific incidents are covered. Then one day you need it and you have no idea what is covered. So, what about that fallen tree?

Trees fall and when they fall they may land on something valuable like a car, your home, or your neighbor’s fence. These mishaps can be quite costly, especially because they are unexpected. It is important to know what your insurance covers with respect to the fallen tree. First off, damage to your home and other structures on your property is covered, although there is typically a cap on any structure other than the home. It also does not matter whether the tree was on your property or a neighboring property.

It is also worthy to note that you are responsible for your deductible. This deductible can be significantly different if the tree fell as a result of a classified hurricane. Sit down with your Bergen County insurance agent to discuss the difference and what your coverage is in the event of a hurricane.

Other interesting tidbits related to homeowners insurance covering a fallen tree include:

  • If the tree in question fell on your car it will be covered by your comprehensive auto insurance.
  • Trees knocked over by water or wind will not have replacement coverage.
  • The replacement cost of a tree will be covered if it fell as a result of vandalism.

Contact our team at Bogle Agency Insurance for more information on homeowners insurance in Bergen County New Jersey. We welcome the opportunity to help you understand your policy and where you may be lacking coverage or perhaps where you may be over-insured. Let us serve as your guide to whether your homeowners insurance will cover a fallen tree, as well as answer any other questions you may have.

Click here to view a video from the Insurance Information Institute for more information related to fallen trees.

Life Insurance Premiums

Posted by B3X2lG9n0X3 on

Factors that Affect Life Insurance Premiums

Factors that affect life insurance premiums
Bogle Agency Insurance, answering all of your questions about life insurance

Factors that affect life insurance premiums include health and habits. Some factors may only increase your premiums slightly, but others can create a big difference. Anything viewed as a risk to your health and lifespan will affect the cost of your insurance policy. If you are worried about your eligibility or the cost of an insurance policy take the time to sit down with your NJ insurance agent. Your agent will be able to explain the differences between policies and what risks you have that will affect your premiums.

Personal Habits that Can Affect Insurance Policies

Habits that will affect your insurance include smoking cigarettes, drinking heavily, and overall risky behavior. Your age is an important factor as well. Purchasing a policy in your twenties is certainly cheaper than purchasing one in your forties. Usually, health concerns include high cholesterol levels, excessive weight, and disease.

Policy Details that Can Affect Insurance Prices

Another factor that affects life insurance premiums is the length of the policy; typically, a 30 year term is going to cost you more than a 10 year term. The longer the policy the more likely death could occur within its term, therefore higher premiums. All of the factors that affect the cost associated with a life insurance policy will be discussed with your Bergen County insurance agent. Take the time to evaluate your needs in a policy and what your goals are while also determining the risk you pose as the insured.

Why call Bogle Agency Insurance?

Bogle Agency Insurance is the authority on personal and business insurance in Bergen County and throughout New Jersey.  Contact our team today to learn more about life insurance and what you might expect to pay with your health and habits in mind. Our Bergen County insurance agents are educated, knowledgeable, and available to answer all of your questions. Let our team at the Bogle Agency help you feel comfortable with your life insurance options. We can help you choose the right New Jersey life insurance plans for you and your family.