Winter Preparation for your Home & Business

Is Your Home or Business Ready for Winter? | Bogle Agency Insurance


Preparing your home for winter | Bogle Agency Insurance

Is your home or business prepared for winter? This is an important question to ask yourself. Winter readiness can save you from undue stress and prevent you from having to perform costly repairs. . Snow loads and freezing temperatures are but two things that can do a number on a building or a property. Preparing your home and business for winter is important! Your Lyndhurst NJ Insurance Agency is a great resource for this process.

Whether you’re preparing your home for winter or preparing your business for winter, it doesn’t have to be challenging. For starters, you can take the time to make sure all outdoor plumbing is turned off and irrigation lines have been blown out. Frozen pipes can burst and cause significant damage. Ensuring that any pipes that are exposed to cold temperatures are insulated is important as well. While some homeowners insurance policies cover frozen pipes, you need to check with your insurance agent to make sure that you are covered in the event of burst plumbing in your house and property. Insurance companies say you should have your heating system checked regularly as well. Keeping a home or business warm is important! While you do not need to keep your home hot, it should be warm enough that the pipes cannot freeze!

It is also important to keep your gutters clear of leaves and ice. Blocked gutters can cause significant damage to your home such as major roof leaks, or permanently damaging your gutter system. Many insurance policies do not cover damages caused by clogged gutters. To prevent clogged or blocked gutters, you can use heat tape (heat cable) to prevent an ice buildup during the winter months. You can also hire a local gutter cleaning service to make sure your gutters are not clogged with leaves during the fall. Insurance companies also insist that you perform a seasonal check of your gutters to make sure you are not in danger of any potential damages.

A lack of preparation can hurt your home and business more than you know. If damage occurs to your home or business due to negligence, you may not be covered by homeowners insurance or business insurance. The lesson here lies in preparation. Planning ahead, taking precautionary measures and ensuring your home is up to par with regulations can help you ease your mind. Damages caused during winter months due to negligence, such as clogged gutters, are not usually covered by insurance. However, by taking precautionary measures, you can decrease the likelihood of damage and your own personal liability.

Learn more about Bergen County insurance and getting ready for winter

Contact our Bergen County insurance agents at Bogle Agency today to learn more about NJ homeowners insurance and business insurance. We welcome the opportunity to offer advice on how to prepare your home and business for winter. Let our knowledge and experience serve as your guide to Insurance in New Jersey and answer the question: is your home or business ready for winter?

 

Types of Insurance New Businesses Need in New Jersey

Types of Insurance For New Businesses in New Jersey | NJ Business Insurance


Types of Business Insurance for New Businesses | Bogle Agency Insurance
Bogle Agency Insurance, your Lyndhurst NJ insurance experts

Understanding the types of insurance that new businesses need in New Jersey is helpful for business owners and entrepreneurs. Insurance is there for the unexpected, getting started with the right business insurance coverage is crucial. A business with coverage for the unforeseen can be the difference between success and failure. The right kind of coverage is even more important! Sit down with a NJ insurance agent before opening the doors to your new business and make sure you are protected from day one.

What types of insurance might your new business need?

These are but a few types of business insurance coverage needed. Other options exist.  For example, if you are manufacturing a product you may want Product Liability Insurance. Likewise, if you are starting a home-based business you may need extra coverage on your homeowner’s policy or perhaps an additional policy altogether. The important thing is to be covered by the right New Jersey business insurance package.

One incident can wipe out a small business if the coverage is not there. Because of this taking the time to evaluate the needs of your business can save your business down the road. As a result, doing your homework is essential.  And reputable Bergen County insurance agency will provide the knowledge you need to get the coverage your business requires.

Contact Your Lyndhurst NJ Business Insurance agents at Bogle Agency Insurance today

Contact our team at Bogle Agency Insurance today and learn more about Lyndhurst NJ business insurance options. We welcome the opportunity to customize an insurance package based on the unique needs of your business. We ensure that you have the coverage you need to thrive. Let our knowledge and experience guide you. Bogle Agency Insurance will teach you about insurance in Bergen County.  As a result, learn more about types of insurance that new businesses need.

Why it’s a Good Idea for an Annual Policy Review

Why it’s a Good Idea for an Annual Insurance Policy Review


Annual Insurance Policy Review | Bogle Agency Insurance

There are many reasons while its a good idea for an annual insurance policy review when it comes to your Bergen County insurance policies. Let’s face it, elements of your life are constantly changing.  When you don’t review your insurance policies on a yearly basis there can be gaps in coverage.   Changes that occur in your life could include a new vehicle, the purchase of art, or perhaps the acquisition of new equipment for your business. This is why Bogle Agency Insurance, the go-to source for insurance in New Jersey, recommends an annual insurance policy review.

Questions to ask yourself:

These are but a few things to consider when reviewing your current NJ insurance policies. Life moves at such a fast pace that we may not even realize the changes that are occurring affect our insurance coverage. Should you have any major changes in your life at any time during a policy’s term we recommend that you contact Bogle Agency Insurance 201-939-1076, to discuss the changes.

Contact Bogle Agency Insurance today for your annual insurance policy review

Contact our team at Bogle Agency Insurance today to schedule a review of your current New Jersey insurance policies. We will help make sure that there are no gaps in your coverage. In addition, we will make sure that you do not have unnecessary coverage. Let our knowledge and experience offer the advice you need to cover the unexpected. An annual policy review is always a good idea.  And an experienced Lyndhurst NJ insurance agent is essential in making sure you have the coverage you need.

Bogle Agency Insurance Has Been Selected as a Best Practices Agency For the 14th Consecutive Year!

Bogle Agency 2017 IIABA Best Practices

Bogle Agency Insurance Included In IIABA Best Practices Study

Lyndhurst, NJ, August 17, 2017 – Bogle Agency Insurance retains its IIABA Best Practices status, once again becoming a part of an elite group of independent insurance agencies around the United States. This status comes by participating in the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) Best Practices Study group. The annual survey and Study of leading independent insurance agencies documents the business practices of the “best” agencies and urges others to adopt similar practices.

Since 1993, IIABA and Reagan Consulting, an Atlanta-based management consulting firm, have join forces to study the country’s leading agencies in six revenue categories. The agencies comprising the study groups are selected every third year through a comprehensive nomination and qualifying process and awarded a “Best Practices Agency” designation. The agency was nominated by either an IIABA affiliated state association or an insurance company and qualified based on its operational excellence.

The selected Best Practices agencies retain their status during the three-year cycle by submitting extensive financial and operational data for review each year. This is the second year of the current three-year study cycle, where over 1500 independent agencies throughout the U.S. were nominated to take part in the annual study in 2016, but only 262 agencies qualified for the honor. To be chosen, the agency had to be among the 35-45 top-performing agencies in one of six revenue categories.

This is the 14th consecutive year that Bogle Agency Insurance has received the Best Practices award!

 

Bergen County insurance agent

Life & Health

Life Insurance, Health Insurance


Life & Health Insurance
Bogle Agency Insurance, your guide to insurance in Bergen County NJ

Life insurance and health insurance are two important policies for individuals and families to carry. Bogle Agency Insurance now has a complete life insurance and health insurance department. Since insurance is always evolving, having someone on your side who is up to speed on changes in the industry is essential. Because every plan is slightly different, It is very important to shop around for policies. The Bergen County insurance agents at Bogle Agency Insurance can ensure that your policy is the best policy for you at the best price available.

Life insurance options include whole, term, and combined options. Which NJ life insurance policy suits your needs or your lifestyle is based on the individual purchasing life insurance. Having experience on your side to evaluate your options and deciding which plan makes the most sense is extremely helpful. Likewise, health insurance options vary greatly. Your overall health is considered when you purchase insurance. Also, whether you are looking at individual, group, or family coverage matters when choosing health insurance in NJ.

Our Lyndhurst NJ insurance agency welcomes the opportunity to evaluate your insurance options. We offer a free review of your current life and health insurance to make sure your coverage is adequate and that it’s serving as the protection you need. Insurance is meant to be there when you need it and having the right coverage is a must.

Contact Bogle Agency Insurance today!

Contact our team at Bogle Agency Insurance today to ensure that you have the Bergen County life insurance and health insurance you need. Experienced insurance agents can be the difference between adequate coverage and excellent coverage. Our goal is to make sure you and your family have the best coverage at the best price!

Will Your Homeowners Insurance Cover A Fallen Tree?

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

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.

Bergen County Motorcycle Insurance

Bergen County Motorcycle Insurance | Bogle Agency Insurance

Bergen County Motorcycle Insurance


Your Bergen County motorcycle insurance policy can be standard or completely customized.  Individual motorcycle insurance policies can  be customized to suit your needs.  Many factors come into play with motorcycle insurance and whether you are going for a standard policy or a customized package there are incentives in place for a lower rate.  For example, insurance costs can be lowered if you take a safety course.  In addition multiple vehicles can be placed on the same policy, offering a lower price than individual policies.  Sitting down with your Lyndhurst NJ insurance agent can ensure that you are getting the coverage you need at the rate your deserve.

Motorcycles are as individual as their owners.  Many people spend hours working on their bikes, adding custom elements that improve both form and function.  Motorcycle insurance can cover specialized and customized motorcycle parts.  A Bergen County insurance agency can help determine a policy that works for your motorcycle, customized to cover your unique needs.

While custom, individual motorcycle insurance is available there are also standard policies that may fit the bill.  Liability, collision, comprehensive, and uninsured coverage represent standard coverages that are available.  In addition roadside assistance can be added to any package.  Your Bergen County insurance agent can help determine what you need and what the cost of your motorcycle insurance policy will be.

Contact our team at Bogle Insurance today to learn more about your motorcycle insurance options.  Our full service Bergen County insurance agency can help you with all of your coverage needs, including homeowners insurance, auto insurance, and business insurance.  Let us serve as your guide to insurance in Lyndhurst NJ.

Bergen County Insurance, Coverage for Roofing Contractors

Bergen County Insurance, Coverage for Roofing Contractors


Bergen County Insurance
Bogle Agency Insurance, Bergen County insurance coverage for home & business

Bergen County Insurance exists to cover individuals and businesses when casualties and unforeseen events occur. Roofing contractors are a prime example of a company benefiting from insurance. Roofing companies need quality coverage.  This protects liability with a product once installed, as well as any associated damage or defects. Having the right coverage is imperative.  Your NJ insurance agent will help you make sure your policy is comprehensive.

Roofing contractors in Bergen County can rest easy knowing their needs are met by Bogle Agency Insurance. Roofing issues that occur can trickle down to other aspects of a home, including the foundation. When issues go this far it is not only a big deal for a homeowner but for the roofing contractor as well. No roofing company wants to be caught without a Bergen County insurance policy in this event. A roof is an essential asset for any home.  When a roof replacement is fraught with issues a homeowner will react. If you own a roofing company in Bergen County NJ you need the right insurance coverage.

Bogle Agency Insurance will not only match your company with the right insurance package but also be there for you in the event a claim needs to be filed. What should you expect your policy to cover? Leaking, injuries, and issues related to design of the roof for starters. Protecting yourself, your company, and your employees is essential to running your Bergen County business.

Contact Bogle Agency Insurance TODAY

Contact our team at Bogle Agency Insurance today to learn more about Bergen County commercial insurance policies that will protect your roofing company. We welcome the opportunity to sit down and explain your options and determine the coverage that will keep your company safe. Let our knowledge and experience serve as your guide to Bergen County insurance, making sure you understand your coverage completely.

NJ Insurance, Hurricane Coverage and Claims

NJ Insurance, Hurricane Coverage and Claims


NJ insurance
Bogle Agency Insurance, NJ insurance experts

NJ insurance concerns often relate to hurricane coverage and claims. A hurricane is a weather event that none of us have control over. While many come and go leaving little more than a few branches in the yard and puddles in the driveway others can leave fallen trees and flooding in the basement. Regardless of what may or may not occur it is important to sit down with your Bergen County insurance agent to make sure you have the hurricane coverage you need.

A hurricane means torrential rains, often resulting in flooding; powerful winds that can bring down trees and blow away anything not tied down; and violent waves causing erosion and more. Most people think about hurricane damage occurring to homes. But it is important to realize that damage can occur to businesses as well. It is important that your NJ commercial insurance policy offers the coverage you need to give peace of mind when a hurricane hits.

Post hurricane tips for your business:

  • Make sure you can account for all employees who were at your facility during the storm.  If rescuers are needed call the appropriate emergency response group.
  • Be careful of flooded areas and be aware that the water may contain hazardous materials.
  • Do not drive through bodies of water.  A puddle may look like a puddle but could be far deeper than you realize.
  • Pools of water may have an electric charge so stay clear.
  • Have your building inspected by an engineer.  Wind damage could be more severe than you think.
  • Photograph all damage and make an appointment for an assessor to come out to survey the extent of damage.

Hurricanes are a fact of life when living near the coast. The aftermath can be shocking and costly. Understanding your homeowners insurance or your commercial insurance is essential. Sit down with your New Jersey insurance agent today and learn more about coverage and the claims procedure in the event of a hurricane.

Bogle Agency Insurance, your NJ insurance experts

Contact our team at Bogle Agency Insurance today to learn more about homeowners insurance in Bergen County NJ. We welcome the opportunity to help you evaluate your coverage. Let our knowledge and experience serve as your guide to NJ insurance, making sure you understand Hurricane coverage completely.