Living Benefits In Life Insurance

Life insurance isn’t just about death benefits. It can provide financial support during your lifetime for critical illnesses, terminal diseases, and long-term care needs.

Life insurance is often associated with providing financial security for loved ones after your passing. However, its benefits extend far beyond the end of your life. Some life insurance policies offer living benefits (while others require it to be added on as a rider), providing financial support during your lifetime to address critical illnesses, terminal diseases, and long-term care needs.

Better Understanding Of Living Benefits In Life Insurance

Living benefits are riders or provisions added to a life insurance policy that allow you to access a portion of the death benefit while you are still alive under certain circumstances. These benefits typically fall into two categories:

• Accelerated Death Benefits: This allows you to receive a portion of the death benefit if you are diagnosed with a terminal illness or are confined to a nursing home.
• Long-Term Care Benefits: These benefits provide financial support for long-term care expenses, such as nursing home care or in-home assistance.

The Value of Living Benefits

Living benefits offer several advantages:

• Financial Security: In the event of a critical illness or terminal disease, living benefits can provide a much-needed financial cushion to cover medical expenses, lost income, and daily living costs.
• Peace of Mind: Knowing you have access to financial support in case of unforeseen health challenges can offer peace of mind and reduce stress.
• Flexibility: Living benefits can be customized to meet your specific needs. You can choose the percentage of the death benefit to access and the conditions that trigger the payout.
• Tax Benefits: In some cases, the proceeds from living benefits may be tax-free, depending on your specific circumstances.

Types of Living Benefits

• Critical Illness Coverage: This benefit provides a lump sum payout if you are diagnosed with a covered critical illness, such as a heart attack, stroke, cancer, or kidney failure.
• Terminal Illness Coverage: Similar to critical illness coverage, but typically requires a diagnosis of a terminal illness with a life expectancy of less than 12 months.
• Long-Term Care Benefits: This benefit provides financial support for long-term care services, such as nursing home care or in-home assistance.

Choosing the Right Living Benefits

When selecting living benefits, consider the following factors:

• Your Health: Assess your overall health and risk factors for critical illnesses or long-term care needs.
• Your Financial Situation: Evaluate your financial resources and the potential costs associated with critical illnesses or long-term care.
• Your Life Insurance Policy: Review your existing life insurance policy to see if it offers living benefits or if you can add them as riders.
• Cost: Living benefits typically increase your premium, so weigh the costs against the potential benefits.

Case Study: A Real-Life Example

Imagine John, a 55-year-old father of two, who was diagnosed with a terminal illness. Thanks to the living benefits in his life insurance policy, he was able to access a portion of the death benefit to cover medical expenses, modify his home for accessibility, and spend quality time with his family before his passing.

Living Benefits LIFE INSURANCE and Financial Planning

Living benefits can be a valuable component of your overall financial plan. They can help protect your assets and provide financial security in the event of unexpected health challenges. When considering life insurance, be sure to inquire about the availability of living benefits and how they can benefit you.

Living benefits offer a powerful way to extend the value of your life insurance policy beyond the end of your life. By providing financial support during critical times, they can alleviate stress, protect your assets, and ensure a better quality of life. If you’re considering life insurance or want to review your existing policy, be sure to explore the options for living benefits and how they can enhance your financial security.

Give us a call at 201-939-1076 to learn more about living benefits and how they can benefit you. Our experienced agents can help you assess your needs and find the right life insurance policy to protect your family’s financial future.

Standard Homeowners Policies May Not Cover Flood Damage – Consider Flood Insurance

Floods are natural disasters that seem to be occurring more often and with more intensity. Floods can cause tremendous damage to homes and properties, leaving homeowners with financial burdens unless they are insured. Standard Homeowners Insurance may cover certain risks, but it often excludes floods. To be insured for flood damage, you need Flood Insurance.

Bogle Agency Insurance offers Flood Insurance to homeowners in NJ, and our agents always stand ready to discuss Flood Insurance with clients who may need it. If you live in a flood-prone area, the time to talk to an agent about Flood Insurance is now, not after the flood has happened.

Some Flood Facts Make the Need For Flood Insurance Important

Natural Occurrence Anywhere

Floods are the most widespread natural disaster that happens in the U.S. They can occur anywhere, and even minor flooding may cause damage to property.

Finding You Have No Coverage For Flood Damage

Often, homeowners are surprised to learn that their Homeowners Insurance does not cover flood damage. In the absence of a separate Flood Insurance Policy, homeowners can be left with significant repair costs after a flood.

Expensive Repairs

The cost of repairing flood-damaged property can be very high. The average flood damage claim is in the tens of thousands of dollars, making Flood Insurance essential.

FEMA

FEMA (Federal Emergency Management Agency) may offer disaster assistance, but it is generally in the form of low-interest loans that must be repaid. While this is very helpful, Flood Insurance provides a more secure and non-repayable form of financial protection.

Why Is Flood Insurance Important?

Provides Comprehensive Coverage

Flood Insurance offers protection for both structural damage and personal belongings affected by a flood. This allows you to face the aftermath of a flood knowing your property and possessions are covered.

Financial Security

Having Flood Insurance offers financial security and the knowledge that you won’t have to face the monetary devastation that is the result of flood damage. When you have Flood Insurance, you can rebuild and recover without worrying about the cost. You can rest assured that you have taken the necessary precautions to protect your home and finances from the forces of nature.

Location Requirements

If you live in a flood-prone area, Flood Insurance may be mandatory. Some mortgage lenders in such locations require borrowers to carry Flood Insurance as a condition of a loan.

Talk To A Professional

Flood Insurance is an important safeguard against the financial devastation caused by floods. Since standard Homeowners Insurance may not cover floods, having Flood Insurance is a wise investment to mitigate the risk associated with floods.

Bogle Agency Insurance offers Flood Insurance to homeowners in Bergen County, NJ, to most of the greater New Jersey area. To inquire about Flood Insurance, give us a call at (201) 939-1076.

Chubb Excess Liability Protection

Bogle Agency Insurance offers Chubb Masterpiece Excess Liability Insurance to protect our clients when coverage is needed above the limits provided by traditional Homeowners Insurance and Automobile Insurance. Homeowners and Automobile insurance cover you for liability only to a limited degree. When the unforeseen occurs and you find your insurance doesn’t provide the liability coverage necessary, you need Umbrella Insurance or Excess Liability Insurance. This type of coverage is known as “umbrella insurance” because it offers broad protection like an umbrella.

Protecting Your Family’s Way Of Life

You and your family enjoy a comfortable lifestyle with prized possessions. Excess Liability Insurance protects you better, and can offer peace of mind. Chubb Masterpiece Excess Liability Insurance means to protect NJ clients who need coverage above what the standard Homeowners Insurance and Automobile Insurance provide. This insurance also covers legal representation if needed as the result of an unexpected occurrence.

Seek Professional Guidance

Bogle Agency Insurance recommends that NJ families take advantage of this excellent protection offered by Excess Liability Insurance with Chubb. We offer this insurance because it is the best coverage. Our knowledgeable and experienced agents are always available to help you decide what kind of insurance coverage provides the most protection for your circumstances. Call us at (201) 939-1076 for a sit-down to discuss Excess Liability Insurance.

Home Enhancements = Home Insurance Discounts In NJ

Home sweet home – a place of comfort, security, and refuge. But with great comfort comes great responsibility. Protecting your New Jersey haven involves more than just a sturdy lock. It’s about creating a secure environment that not only safeguards your family but also rewards you financially. Yes, you read that right! Implementing certain home improvements can not only bolster your NJ home’s security but also qualify you for substantial home insurance discounts. Let’s dive into the world of home enhancements that offer both peace of mind and pocket-friendly perks.

Security System Savvy In NJ

A robust home security system in NJ is the cornerstone of a safe and secure abode. Beyond deterring intruders, it’s also a smart financial move. Many insurance companies offer discounts for homeowners who install modern security systems equipped with:

• Alarm systems: A professionally monitored alarm system significantly reduces the risk of theft and vandalism, making your home less attractive to burglars.
• Motion detectors: These devices detect movement within your property, alerting you and the authorities to potential intruders.
• Fire alarms: Smoke detectors and fire alarms are essential for early detection and response to fires, safeguarding your family and property.
• Security cameras: Surveillance cameras act as a powerful deterrent and can be invaluable in case of a break-in or other incident.

Embrace the Smart Home Revolution in NJ

Smart home technology is transforming the way we live, and it’s also a boon for your insurance premiums. Integrating smart devices into your home not only adds convenience but also enhances security:

• Smart locks: Keyless entry systems with remote access and monitoring capabilities provide added security and peace of mind.
• Smart thermostats: These devices learn your heating and cooling preferences, optimizing energy consumption and potentially qualifying you for energy-saving discounts.
• Water leak detectors: Protect your home from costly water damage by installing sensors that detect leaks and alert you immediately.
• Smart smoke detectors: Advanced smoke detectors with built-in cameras and voice alerts offer enhanced protection against fire hazards.

Other Home Improvement Perks

While security and smart home features take center stage, other home improvements can also lead to insurance savings:

• Roof replacement: A newer roof is less likely to sustain damage from severe weather, reducing the risk of costly claims.
• Plumbing and electrical upgrades: Up-to-date plumbing and electrical systems minimize the risk of water damage and electrical fires.
• Impact-resistant windows and doors: These features offer superior protection against storms, reducing the likelihood of property damage.

Transforming your home into a secure haven while reaping the rewards of substantial insurance discounts is a win-win situation. By investing in home improvements that prioritize safety and efficiency, you not only enhance your lifestyle but also protect your finances. Remember, every dollar saved is a dollar closer to your dream vacation or that home renovation project you’ve been eyeing.

Call the top NJ Insurance Agency, Call Bogle Agency Insurance at (201) 939-1076 to share your home improvements and to start saving on homeowners insurance today!

Offering Higher Limits For Prized Possessions

Bogle Agency Insurance offers Chubb Masterpiece Valuables Insurance to individuals and families who want more protection for their valuable possessions. Valuables are generally described as items that have greater worth than the ordinary. Whether your valuable possessions include artwork, jewelry, furniture or rare books, they are only covered to a limited degree by Homeowners Insurance. When your valuable assets are insured with Chubb Masterpiece Valuables Insurance in NJ, you have the assurance that they are covered to the highest degree.

Timely Efficient Responses

Chubb takes care of claims quickly and with great efficiency, which offers great relief to clients. Chubb provides specialists with training and knowledge in many areas of fine art, jewelry, antique furniture, and more. They also advise clients regarding future prevention of losses. Bogle Agency Insurance is focused on providing the best insurance coverage that will afford you the fastest response time in processing a claim. We feel you should insure high-value assets with Chubb Masterpiece Valuables Insurance in NJ.

Protection For Your Valuable Possessions Is Our Goal

Bogle Agency Insurance has been providing high quality insurance coverage to people in NJ for over 100 years. To protect treasured possessions of value we offer Chubb Masterpiece Valuables Insurance because we believe it is the best. If you are looking for a higher level of protection for your valued treasures, give us a call at (201) 939-1076 and sit down with one of our knowledgeable and experienced agents to discuss your concerns.

NO UMBRELLA INSURANCE? IT MAY COST YOU!

Explore the hidden dangers of skipping umbrella insurance in New Jersey and how it can safeguard your assets from a potential lawsuit costing millions.

Imagine this: you’re enjoying a weekend barbecue with friends when a stray soccer ball kicks through your neighbor’s window. While it seems like a minor incident, the potential financial repercussions could be significant. Without proper insurance coverage, a seemingly harmless event could lead to a hefty lawsuit, jeopardizing your hard-earned savings and assets. This is where umbrella insurance steps in, acting as a powerful shield in case of unforeseen liability situations. Often seen as an unnecessary expense, understanding the high cost of not having umbrella insurance can change your perspective entirely.

What Umbrella Insurance Covers and Why it Matters

Umbrella insurance acts as an additional layer of liability protection beyond your existing policies, extending coverage limits for situations where your primary insurance (like auto or homeowners) might fall short. Here’s why umbrella insurance is crucial:

• Lawsuit Protection in a Litigious Society: Lawsuits are more common than ever. Even a minor accident or mishap could lead to a lawsuit with potentially astronomical legal fees and settlements. Umbrella insurance provides an extra layer of protection, ensuring you have adequate coverage to defend yourself and potentially cover any judgments exceeding your primary policy limits.
• Expanded Liability Coverage: Standard homeowners and auto insurance typically have limitations on liability coverage. Umbrella insurance broadens your coverage, extending protection to a wider range of liability scenarios, including dog bites, slip-and-fall accidents on your property, or even personal slander.
• Peace of Mind for High Net Worth Individuals: If you have significant assets like a home, investments, or a successful business, umbrella insurance offers invaluable peace of mind. Without it, a lawsuit could threaten your financial security, forcing you to dip into your savings or even lose your assets to cover legal costs and judgments.
• Protection for Your Future: Life throws curveballs. An unexpected event with significant liability consequences could derail your financial future. Umbrella insurance helps safeguard your assets and future earning potential from the burden of a hefty lawsuit.

Real-Life Scenarios Where Umbrella Insurance Saves the Day

Imagine these scenarios and the financial repercussions if you lacked umbrella insurance:

• Auto Accident: You’re involved in a car accident that causes serious injury to another driver. Your auto insurance covers some of the medical expenses, but the injured party sues for additional damages exceeding your policy limit. Without umbrella insurance, you’d be personally responsible for the remaining costs, potentially jeopardizing your savings or even your home.
• Dog Bite: Your beloved pet accidentally bites a neighbor’s child. The medical bills are substantial, and the family sues for additional compensation. Your homeowners’ insurance might not cover the entire settlement. Umbrella insurance can step in and provide the additional liability coverage needed to protect your assets.
• Slip and Fall: Winter weather leads to an icy sidewalk in front of your house. A passerby slips and falls, sustaining a serious injury. They sue you for medical expenses and lost wages. Without umbrella insurance, you could be left facing the financial burden of the lawsuit.

Why Everyone Should Consider Umbrella Insurance

While you might think these scenarios are unlikely, it’s important to remember that unexpected events can happen to anyone. Here’s why everyone should consider umbrella insurance:

• The Rising Cost of Lawsuits: Legal fees and settlements are on the rise. What might have been a manageable financial burden in the past could now lead to financial ruin. Umbrella insurance provides a buffer against unforeseen costs.
• Peace of Mind is Priceless: Umbrella insurance offers invaluable peace of mind, knowing you’re protected from the financial devastation a lawsuit can bring. It allows you to focus on what matters most without the constant worry of potential liability.
• Surprisingly Affordable Coverage: The cost of umbrella insurance is typically quite affordable, with premiums ranging from a few hundred to a few thousand dollars per year. Compared to the potential financial losses without it, the cost is minimal.

Making the Decision to Get Umbrella Insurance

Now that you understand the high cost of not having umbrella insurance, here are some factors to consider when making your decision:

• Your Assets: If you have significant assets like a home, savings, or a business, umbrella insurance is a wise investment.
• Your Liability Exposure: Consider your lifestyle and potential risks. Owning a dog, hosting frequent gatherings.
• Your Existing Coverage Limits: Review the liability limits on your homeowners and auto insurance policies. Umbrella insurance bridges the gap between your existing coverage and the potential costs of a lawsuit.
• Talking to Your Insurance Agent: Bogle Agency’s team of qualified insurance agents can assess your individual needs and recommend an appropriate umbrella insurance policy with the right coverage limits and premium.

Umbrella insurance isn’t about paranoia; it’s about responsible planning. It’s a small investment with the potential to save you from financial devastation in case of an unforeseen liability situation. By providing an extra layer of protection, umbrella insurance safeguards your assets, your future, and your peace of mind. Don’t get caught unprepared.

Count On Bogle Agency Insurance Support

When it comes to deciding on various business insurance protection, including excess liability umbrella insurance coverage, you need the most experienced agency. Bogle Agency Insurance, serving Bergen County, where we are located, and most all of New Jersey, offers personal and business liability insurance options, including Umbrella Insurance. We offer the best protection for the most affordable price in the form of any type of insurance you require. For Umbrella Insurance in NJ or any other type of coverage, give us a call at (201) 939-1076 and make an appointment to speak with one of our knowledgeable agents.

Marine Insurance For Yachts and Charter Boats

All boat owners in New Jersey need Marine Insurance. Yachts, Charter Boats, and their Captains need additional insurance to

afford them the extensive protective coverage needed. Bogle Agency Insurance, located in Bergen County, NJ, works in partnership with Gallagher Marine Insurance Specialists to provide all New Jersey yacht owners, charter boat owners, or renters and their captains with the insurance protection that is needed.

Yacht Insurance

Working with a team of top marine specialist carriers who have experience in the yacht insurance marketplace, you will gain the confidence that you are being fully protected.

Coverage Includes:

Physical Damage                                                                   Veterinary Service Expenses
Consequential Damage                                                          Passenger Liability
Emergency Towing                                                                 Personal Property
Medical Payments                                                                  Pollution Liability
Liability                                                                                  and so much more….
Defense Cost
Electronics
Captain & Crew

Additional coverage and higher limits are available.

Charter Boat And Captains Insurance

Gallagher Charter Lakes has been insuring Charter Boats and Captains for over 30 years. Passenger vessel owners need an insurance policy that will protect property, passengers and crews at an affordable price.

Gallagher Charter Lakes offers programs such as Party Fishing Vessels and Fishing Guides, Whale Watching Vessels, Sailing Vessels, Dive and Snorkel Boats, Dinner Cruise Boats, Eco and Scenic Tours, and more.

Coverage Includes:

Agreed Value for Total Losses                                                Wreck Removal
Passenger Liability                                                                 Defense Costs
Medical Payment                                                                    and more….
“A” Rated Carriers
Dockside Liability

We also offer Additional Coverage Options:

Liquor Liability
Excess Liability
Guided Shore Excursion Liability
Fishing Equipment
Swimming and Snorkeling Liability
And more….

Always Offering The Best Coverage

Bogle Agency Insurance offers the resources of Gallagher Marine Insurance Specialists because we feel they offer the best insurance options for Yacht Owners and Charter Boat Owners and their Captains at the most affordable prices. It is always our goal to provide the best coverage with the highest limits so that you can enjoy your boating activities with confidence, knowing that you are properly insured. To speak with an experienced and knowledgeable Bogle Agency Insurance agent regarding Yacht and Charter Boat Owner insurance, give us a call at (201) 939-1076.

Protection Against Cyber Crime

All businesses – large or small – are subject to cyber risks and really should have Cyber Liability Insurance. With every passing day there are new emerging cyber threats. This is a global challenge and every business will face these threats at some time or other.

Cyber Liability Insurance offers a combination of coverage options to help protect your business from data breaches that may involve sensitive information. These could include Social Security numbers, Credit Card Account numbers, Drivers’ License numbers and maybe even personal medical records. These breaches can make your company vulnerable to legal costs. Bogle Agency Insurance agents have experience and can answer all your questions regarding Cyber Liability and we have the liability coverage that you need with cost options.

What Is Covered With Cyber Liability Insurance?

Cyber Liability Insurance may include protection against:

Business Interruption Expenses – if a cyber incident should make it necessary to cease operations, cyber liability insurance can help with business interruption expenses. These could include the rental of equipment, hiring more staff, purchase of third party services, and more.

Litigation Expenses – Cyber Liability Insurance may cover attorney’s fees and other legal costs. It could include out-of-court settlement payments to satisfy damages.

Cyber Extortion Expenses – For instance if a hacker steals private information about the company or employees and then holds it for ransom, Cyber Liability Insurance can help with negotiation or payments to meet these extortion demands.

This insurance can be customized to fit a company’s needs.

Count On Bogle Agency Insurance Support

When it comes to deciding on various business insurance protection, including against cyber attacks, you need the most experienced agency. Bogle Agency Insurance, serving Bergen County, where we are located, and most of greater New Jersey, offers personal and business liability insurance options, including Cyber Liability Insurance. We offer the best protection for the most affordable price in the form of any type of insurance you require. For Cyber Liability Insurance or any other type of coverage, give us a call at (201) 939-1076 and make an appointment to speak with one of our knowledgeable agents.

Feeling the pinch at the pump here in NJ? Explore these easy-to-implement hacks to maximize your NJ gas mileage and save money on every fill-up.

Soaring gas prices can put a strain on your budget. But before you resign yourself to the pain at the pump, consider this: there are ways to fight back! By implementing some simple changes in your driving habits and car maintenance routine, you can significantly improve your gas mileage, leading to substantial savings over time.

Smart Driving Habits Make a Big Difference Here In NJ

Your driving style significantly impacts how much gas your car consumes. Here are some key strategies to adopt for more fuel-efficient driving or, again, to maximize your NJ gas mileage:

• Anticipate traffic flow: Avoid slamming on the brakes and accelerating rapidly. Maintain a steady pace by anticipating traffic signals and slowing down gradually.
• Maintain a consistent speed: Use cruise control on highways whenever possible to maintain a constant speed.
• Lighten the load: The heavier your car, the more fuel it consumes. Remove unnecessary items from your trunk and avoid overloading your vehicle.
• Minimize idling: Excessive idling wastes gas. Avoid idling for long durations while waiting for someone or parked at a drive-thru. Shut off your engine when possible.
• Air conditioning efficiency: While air conditioning is a comfort feature, it also increases fuel consumption. Use it judiciously. Consider opening windows for ventilation on cooler days or shorter trips.
• Fuel-efficient routes: Utilize GPS navigation apps that suggest fuel-efficient routes with less traffic congestion. Avoiding stop-and-go traffic can improve your gas mileage.

Car Maintenance Matters

Just like a healthy body performs better, a well-maintained car delivers optimal fuel efficiency. Here are some car care tips to keep your NJ gas mileage in top shape:

• Regular oil changes: Fresh oil reduces friction in your engine, leading to smoother operation and improved fuel efficiency. Follow your car manufacturer’s recommended oil change intervals.
• Proper tire pressure: Under-inflated tires not only create safety hazards but also increase rolling resistance, leading to higher fuel consumption. Regularly check and maintain your tire pressure according to the manufacturer’s specifications.
• Air filter hygiene: A clogged air filter restricts airflow to the engine, reducing fuel efficiency. Replace your air filter at the recommended intervals as outlined in your car’s owner’s manual.
• Spark plug performance: Faulty spark plugs can cause incomplete combustion, leading to wasted fuel and decreased performance. Consider replacing spark plugs based on your car manufacturer’s recommendations.
• Fuel system cleaning: Over time, your car’s fuel system can accumulate deposits. Fuel system cleaning services can optimize fuel flow and potentially improve gas mileage. (Consult your mechanic to determine if this service is necessary for your specific vehicle.)

Exploring Additional NJ Fuel-Saving Strategies

Here are some further tips to consider for maximizing your gas mileage:

• Fuel type selection: Consult your car’s owner’s manual to determine the recommended octane level for your vehicle. Higher octane doesn’t necessarily translate to better gas mileage for all cars. Sticking to the recommended fuel grade can save you money.
• Gas station loyalty programs: Many gas stations offer loyalty programs that reward points or discounts on fuel purchases. Consider signing up for such programs to save on gas costs over time.
• Fuel-efficient vehicles: When purchasing a new car, prioritize fuel efficiency. Cars with smaller engines, hybrid options, or electric vehicles can significantly reduce your gas consumption in the long run.

Experience and Knowledge

Bogle Agency Insurance has been helping NJ automobile owners, homeowners, and business owners find the insurance protection they need for over 100 years. We are located in Lyndhurst, Bergen County, NJ, and we serve the entire State of New Jersey. Our experienced agents are here to discuss any form of insurance you may need, whether it is personal or business insurance coverage. Our insurance services include Homeowners Insurance, Automobile Insurance, Business Insurance, Life Insurance, Health Insurance, and so much more. For any type of insurance, call Bogle Agency Insurance at (201) 939-1076.

Best Recreational Marine Insurance

Bogle Agency Insurance offers Chubb Masterpiece Recreational Marine Insurance to boat owners in NJ. We feel this insurance provides the best coverage for people who own boats. While having a boat brings endless hours of fun on the water, boat ownership also comes with responsibility. Our goal at Bogle Agency Insurance is to keep your boating experiences stress-free and we believe that Chubb’s Recreational Marine insurance is one of the best ways to manage that.

Complete Coverage

Chubb Masterpiece Recreational Marine Insurance is complete, not partial or patchwork. This insurance covers repairs or replacement of your boat and everything on board. If anyone is injured in an accident while on your boat, medical expenses are covered. Chubb employs watercraft specialists who know how to inspect damaged boats. They also know how to deal with the problems faced by a boat owner after an accident. Having your boat insured by Chubb is one of the best ways to have peace of mind while you enjoy being on the water.

Always Talk To A Professional

Bogle Agency Insurance serves boat owners in Bergen County NJ and a broad area of greater New Jersey. We take pride in the fact that we offer the best insurance protection at the most affordable prices. If you are a boat owner and are seeking superior marine coverage, Chubb Masterpiece Recreational Marine Insurance is the top choice. For marine insurance or any other type of insurance, call us to set up an appointment with one of our experienced agents. We can be reached at (201) 939-1076.