Bundled Insurance Packages | Home & Auto Insurance

Combining Home & Auto Insurance Saves Money – Until It Doesn’t


Combining Home & Auto Insurance | Bogle Agency Insurance

For the most part, combining home & auto insurance with Bogle saves you money. Who doesn’t want to save money? The reality is that bundling insurance products can be a great idea. However, having knowledge of your policy matters. Not all products are created equal and understanding the differences between products is important. Advice from an experienced Bergen County insurance agent can help ensure that you save money on your auto and homeowners Policy.

Bundling Insurance Policies Can Cost More Than It Saves?

Bundling auto and home insurance policies offers an opportunity to save money, except for when it doesn’t. Your NJ insurance agent understands this caveat and will recommend bundling when it makes sense for you, your family, or your business. There are times when bundling can become more expensive and separate policies with separate companies becomes the better choice. However, these are all factors that an insurance agent can piece together to save you the most money on your policies!

Combining Home & Auto insurance? Make Sure Coverage Meets Your Needs

When it comes to insurance for home and auto, coverage matters. Oftentimes price and coverage are not necessarily complimentary. In other words, a low price might mean less coverage or inadequate coverage. The cost savings for bundling your NJ home and auto insurance policies should not reduce the quality of your coverage. Working with an insurance agent can make sure that your newly bundled policies not only save you money but also provides you with the right amount of coverage for your needs.

Learn More About New Jersey insurance options

Contact our team at Bogle Agency Insurance today to learn more about New Jersey insurance options for your home or business. Our experienced agents will do the legwork to present you with options that make sense financially and practically. Let our knowledge and experience serve as your guide to combing home and auto insurance in Bergen County NJ.

Lines Of Insurance Available Through Bogle Agency Insurance

NJ Homeowners Insurance

NJ Homeowners Insurance, Should You Increase When Home Values Go Up?

Should You Increase Your Homeowners Insurance Coverage When Home Values Go Up?


NJ Homeowners Insurance | Bogle Agency Insurance NJ
Bogle Agency Insurance, NJ homeowners insurance experts

A common question among policyholders of NJ homeowners insurance is whether you should increase your policy coverage when home values go up. It’s a great question to ponder and one even more important to discuss with your advisor. An experienced Bergen County insurance agent will sit down with you to discuss your options.

When a home increases significantly in value, you want to make sure it is covered for the full amount in the event of the unforeseen. In addition, new purchases like expensive artwork or furniture should be inventoried with your homeowner’s insurance company. However, not every increase in value requires additional insurance. When the home values are increasing for typical market reasons, like supply and demand, increased NJ homeowners insurance coverage is most likely not necessary.

Do You Need More Insurance Coverage After A Home Remodel?

If your home’s value is tied to a major remodel it would not hurt to sit down with your NJ insurance agent. It makes sense that a major investment like an addition, new kitchen, or remodeled basement would make an impact on the price of a home. Making sure your insurance coverage can cover its’ new value is essential.

It’s Time To Review Your Homeowner’s Insurance Policy!

Home values increase over time, that is a given. Making sure your New Jersey insurance policy is an adequate amount of coverage is important. Your agent at Bogle Agency Insurance will evaluate your homeowner’s insurance policy to ensure that your home is covered. Contact our team today for peace of mind when it comes to NJ homeowners insurance.

Our team, based in Lyndhurst New Jersey, is well-versed in all insurance products.  Let us help you evaluate your auto, business, homeowners, and umbrella policies.  Our goal is to make sure that you understand what you have and what you need.  Call (201) 939-1076 today and set an appointment to evaluate your NJ insurance policies.

October Is National Cyber Security Awareness Month! | Bogle Agency Insurance


Cyber insurance NJ
Bogle Agency Insurance, serving insurance needs for business and individuals

Cyber Security is much more than just an industry buzz-word these days. With the exponential growth of technology, our lives have become intertwined with the internet. Those who once fought the use of the internet are now sharing pictures of their vacations on social media. Getting a mortgage is no longer sitting in a bank for hours upon hours but rather sitting on your bed with your laptop. Even visits to your bank’s branch have decreased in favor of online banking. What was once a vague and anonymous land, the internet has become the backbone of our society and our economy. With that comes security threats.

Cyber Security does not just refer to keeping your bank passwords complicated. Although that helps, scammers have found other ways to get access to your accounts for malicious reasons. These scammers aren’t just looking for individuals to steal from either. Two-thirds of all attacks are aimed towards small-to-medium sized businesses.

Small businesses Are A Target For Cyber Attacks

Small businesses are a target for cyber criminals simply because of their vulnerability. While large corporations are spending hundreds of thousands a year protecting their data, whether stored offline or in the cloud, small businesses are not typically protecting themselves in the same fashion due to limited budgets. Another vulnerability that small businesses face is the fact that most business info such as banking, passwords, contacts and even customer payment details are stored on one server, whereas larger businesses use various vendors to control and encrypt their data.

According to UPS Capital, the typical cost to mediate a cyber attack is anywhere from $80,000 to $150,000! Because of this, 60% of businesses will close their doors in the first 6 months following an attack.

How Can A Small – Medium Sized Business Protect Themselves From A Cyber Attack?

  1. Data Encryption!

    Complicated text scrambling can help you keep your data safe from criminals both online and offline! Want to learn more about data encryption?

  2. Keep ALL Computers Clean of Malware!

    There are MANY programs available to protect your computers. A common misconception is that Apple products cannot get infected, this is simply not true! Regardless of who manufactured your systems, make sure you have a trusted anti-virus program

  3. BACK UP!

    What good is your data if it becomes corrupted, stolen or held for ransom via ransomware? I simple mistake such as forgeting to back-up your systems can cost you thousands of dollars. Need help deciding which back-up program to use for your business?

  4. Train Your Employees!

    What good is spending money on various protection measures if your employees don’t know how to avoid common phishing scams. Because the method of ‘phishing’ changes quite frequently, it is important for not only the business owner to stay up to day, but for the owner to pass that knowledge down to anyone using the business hardware

  5. Protect Yourself & Your Business From The Unexpected

    Cyber Insurance is just as important as the rest of the protection methods mentioned above. A Cyber Insurance policy can help mitigate the costs and even the interuptions that a severe cyber attack can cause

Learn more about cyber insurance for your business

Cyber crimes offer a real threat to your business and knowing protection is in place offers peace of mind. Contact our team at Bogle Agency Insurance today and learn more about cyber insurance options from experienced Lyndhurst NJ insurance agents. Our goal is to inform you and help you. Let us design a coverage package that meets your individual needs. Cyber insurance is becoming more important for businesses to have and we want to make sure your business is protected.

Click here to read “Does your business need cyber liability insurance?” from Biz Journals.

New Jersey Business Liability Insurance: What’s Covered? What’s Not?

What is (And Isn’t) Protected Under Business Liability Insurance?


NJ Business Liability Insurance

Business liability insurance covers the basic risks associated with conducting business. These are general items and not specific to unique business activities. Every business needs coverage but it is equally necessary to understand what coverage each plan offers and whether it is enough for your specific industry. Your Lyndhurst NJ insurance agent will be invaluable in determining the individual needs of your business. Not having the right kind of coverage, or lack of coverage may leave your business vulnerable to lawsuits and potential bankruptcy.

What Is Covered By A General Business Insurance Policy?

A general business insurance policy covers your business, your employees and yourself from lawsuits involving the business. Whether your business is being sued for an injury sustained in your place of business, caused by an employee or as a result of your product or service, Business Liability Insurance will cover it. Business Liability Insurance can also cover things like copyright infringement.

Business liability insurance helps to mitigate the risk of losing money, or your business due to legal action, whether that be from personal injury, property damage or intellectual damages. However, as with all other policy types, Business Liability Insurance has caps that may not cover the entire amount due. This is why it is important to have a risk assessment performed prior to choosing an insurance policy.

What Is Not Covered By Your Business Liability Insurance Policy?

A common misconception is that General Business Liability Insurance covers employees injured on the job, it doesn’t. New Jersey law requires business owners to have Workers Compensation coverage. Additionally, professional errors such as negligence, malpractice or misrepresentation will not be covered by a general Business Liability Insurance policy. Lastly, events such as car accidents, intentional acts and product failures that would be typically covered by a warranty are not covered by general business liability insurance. As a result, you may want additional coverage for any of the items not covered by your policy.

Additional Insurance Coverage For Your Business May Include:

Business owners should have a solid understanding of what is included and not included with insurance policies. An experienced NJ insurance agent is instrumental in ensuring that you have the information and the coverage your business needs to be protected.  Furthermore, take the time to evaluate your insurance annually.  Your business changes over time, ensure your coverage is keeping up with these changes.

Schedule A Meeting With Your NJ Insurance Agent Today

Contact our team at Bogle Agency Insurance today and make an appointment to evaluate your New Jersey business insurance needs. We welcome the opportunity to look at your current policies and determine whether there are any holes. Let our knowledge and experience serve as your guide to New Jersey business insurance, helping you understand what is protected under business liability insurance as well as what isn’t.

Health Insurance Shopping Tips

Shopping For NJ Health Insurance

What to Consider When Shopping for An NJ Health Insurance Policy


 

When shopping for an NJ health insurance policy there are a few things to consider that will make your search smoother and more productive! The goal is to acquire coverage that not only covers you where needed but also save you the most money! Your Lyndhurst NJ insurance agent at Bogle Agency Insurance will be an invaluable resource to help you locate the right plan for you and your family or for your business.

 

Questions You Should Ask To Find The Right New Jersey Health Insurance Plan

 

  • When should I look for a new health insurance plan?

Preferably before your current plan expires. The open enrollment period is the time to evaluate your options. And, it is important to not wait until this open enrollment period is up. The more time you have to research and see what’s out there the more options you will have. Waiting until the last minute can leave you with fewer options. That being said, many people get stuck between jobs or finding themselves without coverage at the last minute.

 

  • Will I be able to keep my current doctor(s)?

If the doctor or medical group that you use matters to you then you should make sure you can continue your routine. Every health insurance plan is different and covers different physicians. Make sure the one you choose has your families physicians on the list of approved doctors!

 

  • I already have health insurance, so I don’t need to look at new plans, right?

Insurance plans change over time and being aware of your options is critical to ensuring that you have solid coverage and the best bang for your buck! You may assume you will stay with your current plan and as it comes time to renew parts of that policy change. Making sure you have the coverage you need is important and surveying the competition helps ensure this.

 

  • Will I be fined for not having health Insurance? Do I have to shop in the Affordable Care Marketplace?

You do not have to get your New Jersey health insurance through the government exchange. However, you do need insurance that meets the standard set by the Affordable Care Act. While portions of the Affordable Care Act have been repealed, the tax fine is still a factor to consider in 2018. This means you will face fines if you do not have health insurance, up to 2.5% of your income!

Contact Your Bergen County Insurance Agent To Learn More About NJ Health Care

Contact our team at Bogle Agency Insurance today to learn more about your New Jersey health insurance options. Our experienced agents look forward to evaluating your family’s needs to ensure that you have the coverage you need. Let our knowledge and experience serve as your guide to shopping for an NJ health insurance policy.

NJ insurance company

Bogle Agency Insurance Awarded Annual IIABA Best Practices Status

Bogle Agency Insurance Awarded Annual IIABA Best Practices Status


IIABA Best Practices Award Bogle Agency Insurance
Bogle Agency Insurance, Commercial, Personal, Health & Life insurance products

Bogle Agency Insurance has been awarded the IIABA Best Practices status for the 15th year in a row! This accolade is in keeping with our firm’s mission to provide excellent service while following the best practices laid out by the insurance industry. Garnering the Best Practices Status places Bogle Agency Insurance in an elite group of independent insurance agencies around the United States. “Best Practices” designation comes by participating in the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) Best Practices Study group. This is an annual survey and study of leading independent insurance agencies, documenting the business practices of the “best” agencies. In addition, the results are shared with independent insurance agencies around the nation, urging others to adopt similar practices.

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

Best Practices is a three-year cycle

The selected Best Practices agencies retain their status during the three-year cycle by submitting extensive financial and operational data to be reviewed each year. This is the third year of the current three-year study cycle. Over 1,500 independent agencies throughout the United States were nominated to take part in the annual study in the first year of this three year cycle, 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.

Our company, Bogle Agency Insurance is honored to have received the Best Practices award for 15 consecutive years! Bogle Agency Insurance was founded in 1919 and offers Commercial, Personal, Health and Life insurance products from numerous companies. For further information please contact Philip R. Bogle of Bogle Agency Insurance at (201) 939 -1076.

Life Insurance

Is Life Insurance A Wise Investment?  | Bogle Agency Insurance


Life insurance is often portrayed as either a line of insurance you absolutely need or one you can do without. But it is much more complex than that! Life insurance offers protection for your beneficiaries in life ending situations. The need for life insurance (or how much life insurance) greatly varies based on the individual’s needs. Bogle Agency Insurance is a great resource to have when deciding whether to invest in life insurance or not.

 

What Is Life Insurance?NJ life insurance

Simply put, life insurance is protection against the financial hardship your dependents may face should you die unexpectedly. There are two main types of life insurance: Term Life Insurance and Whole Life Insurance. Term would be for a set period of time, say 20 years. This is policy offers protection for your family during the years they are most reliant on you. Whole life, as its name suggests, is good for your entire life. Both Term Life Insurance & Whole Life Insurance cover much more than just funeral costs. Life insurance can cover debts owed by the deceased, such as a mortgage balance, or it can be used to offset the loss of income after a loved one passes away.

 

Is Life Insurance An Investment?

Life insurance can be considered an investment as it provides financial security to your dependents or heirs in the event of your death. In many cases, this provides money that may not exist otherwise and ensures your family’s bills can still be paid. The amount of coverage, however, is up to you.

A benefit of whole life insurance policies is that in many cases a loan may be taken out using a policy as collateral. This loan is against the cash value of your policy and comes without penalty to purchase a home or pay for school. Some of these policies can also provide money before death if you are diagnosed with a life-threatening disease or illness. A whole life policy is absolutely an investment.

A term life policy has a set time limit. It is available as protection and is not an investment in the same way that a whole life policy is. A term policy offers protection but once the term expires that is it, the policy is over and the money you have paid over the years is not available. On the other side, if something happens to you during the term, your loved ones have financial security. Term Life Insurance is an investment you hope you never have to use, but it is available if something happens to you.

Is Life Insurance A Good Investment FOR ME?

Your Lyndhurst NJ insurance agent can help you answer this question. In the end, the answer is up to you. Ask yourself how financially prepared you are for the future. If you have been investing for the future and have a substantial amount money put away for your family, you may choose to skip life insurance. However, most families agree that any additional resources help after the death of an immediate family member.

Contact our team at Bogle Agency Insurance today to learn more about the New Jersey life insurance products we provide. Our experienced agents look forward to evaluating your family’s needs to ensure that you have the coverage you require for peace of mind. Let our knowledge and experience serve as your guide to life insurance in Lyndhurst NJ.

NJ Insurance, Hurricane Coverage and Claims

NJ Insurance, Hurricane Coverage and Claims

Hurricane Preparedness NJ Bogle Agency Insurance Hurricane Insurance


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.

Recreational Vehicle Insurance | Bogle Agency Insurance

Getting Your RV Ready For A Summer ’18 Road Trip

Bogle Agency Insurance Tips For RV TravelThe many benefits of owning a Recreational Vehicle is the ability to go anywhere your heart desires and your pockets allow. With school winding down, warm weather becoming a daily experience and more daylight, your wanderlust may be nagging you. Lucky for you, you have a moving hotel room sitting in your driveway just waiting to hit the road and show you a whole new location. Whether you’re traveling to your regular campground or pioneering new land that you and your family have never seen before, your RV will get you there and keep you comfortable the entire time. Recreational Vehicles, however, are still vehicles. They need maintenance, service, and cleaning before you begin your trek. So, we prepared a checklist for you to use when getting your RV ready for your Summer 2018 vacation!

Tips For Getting Your RV Road Ready

 

    1.  Tires
      Arguably the most important part of any vehicle. Without tires, you’re going nowhere, and unfortunately, tires like to wear pretty quickly when traveling long distances. Before hitting the road, check your tires THOROUGHLY. Check for uneven wear, puncture holes, tread condition and depth, and lumpy areas around the sidewall. Nobody wants a flat tire during their road trip, but with damaged or worn tires, that may be the least of the problems you can face. Tire blowouts, although not as common as they used to be are one of the major dangers facing RV travel. Examining your tires is one of, if not THE most important factors to getting your RV ready for a trip.

 

    1. Water & Sewer Lines
      Aside from avoiding unpleasant smells during your trip, there are many reasons to check and service your water and sewer lines. A typical examination of the water system includes: checking the pumps to ensure they are working properly, flushing the lines to clean, checking for leaks, and checking that all flushing hoses are accessible and free of damage.

 

    1. Batteries
      Batteries lose their charge when not used for several months. Most RV owners know to keep a trickle charger on the batteries while stored, but if not checked on a regular basis, the charger may not have worked correctly. So, before you embark on your trip, check to make sure your battery is full of charge. If it’s not, consider replacing to avoid any potential breakdowns.

 

    1. Engine (RV & Generator)
      An RV is no different than a car when it comes to making sure your engine is in tip-top shape before a trip. Oil changes are needed whether you’ve driven the allotted miles or not. Over time, condensation can build up inside the engine of both the RV and the generator, which could cause engine damage to both. So make sure you get your oil changed before your trip. Along with the engine oil, all fluids should be checked for levels and condition. This includes Brake fluid, transmission fluid, power steering fluid, engine coolant and windshield washer fluid.

 

    1. Give Her A Bath!
      Nothing is better than stopping for gas and seeing your shiny RV sitting at the pump! Cleaning the outside will not only make your RV look like it belongs on the front of a traveler’s magazine, but it will help you examine the exterior for any damages you may not have noticed previously. Even in closed storage, RVs can become damaged by heat and weather, so while you’re washing the vehicle,  check all seams and window molding for tears or early wear. Cleaning the inside is important as well! While you’re cleaning, check to make sure all motorized extensions work correctly. Lastly, check to make sure you haven’t picked up any unwelcomed guest like rodents or bugs while your RV was stored. You’ll typically be able to see signs of both while cleaning your vehicle.

 

    1. Reevaluate Your Insurance Coverage
      Recreational Vehicles often carry a similar type of insurance as your everyday automobiles. This includes your typical collision, comprehensive, liability and uninsured motorist coverage. As with regular vehicles, your insurance rates are based on many different factors. This is why it’s commonly expressed that insurance coverages should be evaluated on a yearly basis. Recreational Vehicles are no exception. You could save money on your policy by speaking to your insurance agent. Something as simple as paying off a debt could bring your premium down! Saving money on your RV insurance could add to your vacation budget, allowing you to go further and see more than last year!

 

Bogle Agency Insurance Offers Recreational Vehicle Insurance Policies

Bogle Agency Insurance is proud to offer insurance policies for Recreation Vehicles. Our Lyndhurst New Jersey Insurance Agents would be happy to walk you through a re-evaluation of your current policy to see if we can save you money while providing you the best coverage. Contact Bogle Agency Insurance to speak with one of our agents about your Recreational Vehicle Insurance Policy.

Workers Compensation Insurance

Workers Compensation Insurance | A Lifesaver for Employees Injured on Job

Workers Compensation insurance NJ
Bogle Agency Insurance, serving insurance needs for business and individuals
Workers compensation insurance can be a lifesaver for employees injured on the job.  As its name suggests it covers compensation, or lost wages, while you are out of work due to sickness or injury.  The important thing to understand is who and what is covered by workers compensation.
First and foremost there are three basic facts to understand what it takes for workers comp to kick in.
  1. To be covered you must be an employee.
  2. Your employer must have a workers compensation policy in place; and
  3. The sickness or injury has to have occurred, or originated while on the job.

Who Can Receive Workers Compensation?

Let’s take a look at number one.  What does it mean to be an employee?  Does it count if you are a part-time employee or an independent contractor?  The independent contractor is an easy answer, they are simply not an employee.  Independent contractors may carry their own worker’s compensation policy, but when it comes to a workers compensation payout from the employer, an independant contractor is not an employee and therefore is NOT covered.
If you are a part-time employee you are covered by workers compensation AS LONG as the injury originated from an event at work.  Getting hurt outside of the job does not entitle you to workers compensation benefits.

Are Businesses Required to Carry Workers Compensation Insurance?

Workers compensation insurance is a requirement for businesses that employ more than one person.  If you are working for a company that has a precarious work environment you should make sure that there is an active workers compensation policy in place.  When you put your health and safety on the line for an employer you want to make sure you are covered!

Bogle Agency Insurance offers Workers Compensation Insurance for Businesses

Bogle Agency Insurance offers a full line of NJ insurance options for business and individuals.  Let our team answer all of your insurance questions and ensure that you have the coverage needed when needed.  Let our knowledge and experience help serve as your guide to available New Jersey insurance policies while answering all of your workers compensation questions as well.