An Umbrella Policy May Be Just What You Need

People with high value assets need insurance that completely protects their families and their lives. Bogle Agency Insurance offers Chubb Masterpiece Excess Liability coverage for those times when the unexpected happens. Homeowners Insurance and Automobile Insurance only go so far to protect, so it might be a good idea to consider an excess/umbrella policy. Chubb Masterpiece Excess Liability Insurance provides you with some of the highest limits of liability coverage available in the industry. A policy of this type should be part of your financial planning. People with high value assets should have high value protection.

Protection Against the Unforeseen

When your lifestyle involves travel, high level entertaining, extra recreational facilities at your home (pool, hot tub, trampoline) you should have extra liability insurance. Household staff on your premises should be covered with extra liability insurance. You have worked hard to provide your family with a good, secure lifestyle. Chubb can help insure you with a policy that covers you for those unexpected events that occur without warning.

In today’s litigious climate, we want our clients to know they are covered for legal representation. Excess liability insurance offers coverage in the event you should require an attorney to deal with claims against you. Worldwide protection is available.

Talk to a Professional For Excess Liability Coverage

Bogle Agency Insurance is happy to talk with you about Excess Liability Coverage that is offered by Chubb. We are proud to discuss this premier coverage offered by a top notch insurer for our New Jersey clients. If the type of coverage provided by Chubb’s Masterpiece Excess Liability is of interest to you, please give us a call at (201) 939-1076.

What Are Valuable Assets?

Valuable assets are those that have a worth above the norm. They may be especially treasured by you for sentimental reasons, or they may actually be worth more than typical household possessions. They can be jewelry, art, rare books, or simply one-of-a-kind items collected during travel. Most homeowners’ insurance policies provide limited coverage for these special items.  Bogle Agency Insurance offers Chubb’s Masterpiece coverage for insuring valuable assets.

Responsiveness is a Priority with Chubb

With Masterpiece coverage Chubb makes sure your losses are met with serious attention and quick solutions. Claims are addressed rapidly and concluded in record time. This responsiveness makes valuable assets coverage a great relief to our clients.

In addition to fast claim solution, we offer consultation and management services to complement the excellent coverage. We have Fine Art, Jewelry and Collections Specialists with academic training and knowledge of specialized collections. Chubb can offer tips for protecting your possessions from unforeseen perils such as burglary, damage from a natural disaster, or fire. We also provide loss prevention and preservation advice for fine art collections.

Ask Us About Valuable Asset Coverage

Bogle Agency Insurance has a long relationship with their New Jersey clients. We have been providing insurance coverage for homeowners and business owners for 100 years. Valuable Assets insurance with Chubb is something that everyone with treasured possessions should be aware of. Give Bogle a call today and let our experience and expertise guide you toward the protection your precious assets require and deserve. We can be reached at (201) 939-1076.

When Home Values Increase, Should You Increase Your Homeowners Insurance?

It is commonly held that when home values go up, you should increase your homeowners insurance. Of course you want to protect your most valuable investment. This question has plagued homeowners and it is one that should be discussed with your insurance agent. When the value of a house increases significantly, you want to be sure it is covered for the full amount. If you have purchased expensive artwork or furniture these should be inventoried with your homeowners insurance as well. Discussing periodic homeowners insurance reviews is something to do with a professional agent.  Bogle Agency Insurance staff have years of experience in answering questions about all types of insurance coverage.

Does a Remodel Mean You Need More Coverage?

Not every increase in the value of a house requires additional insurance. If the value of your home increases due to the usual market reasons, such as supply and demand, NJ homeowners insurance probably doesn’t need to be changed.

But, if you have had a major addition built, or had a kitchen or basement completely re-done, this could impact the amount of insurance coverage you should have. Again, a question that needs to be discussed with your agent.

REVIEWING YOUR HOMEOWNERS INSURANCE PERIODICALLY

We all know home values increase over time. To be sure your home is adequately protected with the right amount of homeowners insurance, talk to a professional insurance agent. Periodic reviews of your homeowners insurance coverage are a good idea, and the agents at Bogle Agency Insurance have the experience and expertise to guide you. Our team based in Bergen County is always available to evaluate your homeowners, automobile, business, umbrella and all the insurance coverages you have. Our goal is to help you understand what you need and help you get it in the most affordable way. Give us a call at (201) 939-1076 for a consultation.

Expensive and Complex Automobiles

Whether you drive an SUV or a Rolls Royce, automobiles have become complex and expensive. Car construction for fuel efficiency is lightweight, and the technology contained in the car adds safety protections. This makes your automobile an expensive vehicle to maintain.  Automobile safety and Chubb Masterpiece coverage go hand in hand.

Repairs Cost More

Although lighter materials used in the construction of a car make for more fuel efficiency, they also can make collision damage more severe. Complicated construction along with modern technology makes repairs expensive and challenging. Safety enhancements such as additional airbags, collision avoidance and parking sensors, etc., make repairs more difficult and costlier.

Chubb’s Commitment to Our Clients

Chubb is committed to the highest standard of repair or replacement of your automobile. The response to an accident is fast and professional. Chubb is always insistent on the highest standard of repair to keep our clients safe. The Auto Technical Specialists make sure your vehicle is repaired correctly, to manufacturer’s standards. They are certified collision repair experts. If repair is not possible, Chubb covers you for a total loss.  This makes automobile safety and Chubb Masterpiece coverage so important.

Talk to Bogle about Chubb’s Masterpiece Coverage

Bogle Agency Insurance offers the Chubb Masterpiece Auto Preference coverage to NJ clients. This is the premium insurance for complete protection of your automobile. We are proud to offer this excellent coverage for our clients and welcome a call regarding automobile insurance. Our focus is always on the safety and protection of our clients with the finest insurance products available. Give us a call at (201) 939-1076 and make an appointment for a consultation with one of our expert agents. Ask about our High Value Asset Person Lines Insurance coverage through Chubb.  

Questions for First Time Home Buyers

First time home buyers should be full of questions regarding Homeowners Insurance. If you are purchasing your first home, begin by choosing a trusted, experienced insurance agency with a long record of customer satisfaction. Usually an agent is chosen by getting a recommendation from a close friend or family member. Real Estate brokers can also be of help in choosing a good insurance agency. When you have chosen an insurance agency, you can then sit down and discuss your questions and concerns regarding the coverage of your new home. Below are some items of discussion regarding what you should know about Homeowners Insurance.

House Value

First thing to determine is the home’s insurance value. This is based on replacement cost, not necessarily on the market value. Your agent will help you figure this out considering size and building materials used.

Choosing a Deductible

A deductible amount will have to be determined when buying a homeowners insurance policy. Going for a higher deductible will save you money on the premiums. If you choose a higher deductible try to have an emergency fund to cover that amount should you need to file a claim.

Are Contents of My Home Covered?

Homeowners Insurance automatically covers possessions up to a percentage of the home’s insurance value. This is often set at 75%. If you have a lot of valuable items, such as jewelry, you may want to purchase additional coverage. To make this process easier, take an inventory of your contents with photos or a video of each room in the house. Update the list regularly.

Are Floods or Earthquakes Covered?

Standard Homeowners Insurance policies do not cover flood damage. If your home is at risk of flooding due to proximity to a body of water or other flood peril, you should have flood insurance. Mortgage companies usually require flood insurance if the house is at risk of flooding. All of this would apply to earthquakes as well. You would need to buy additional coverage if your house is in an earthquake prone location.

“All Risk” Coverage

Ideally when buying Homeowners Insurance you want “All Risk” coverage. Most Homeowners Insurance policies cover fire, theft, and wind damage. There are many additional risks to your home and property that may not be covered by traditional Homeowners Insurance. These excess risks are something to discuss with your insurance agent so that you will feel fully protected.

Talk to a Professional For Full Homeowners Insurance Protection

The staff of experts at Bogle Agency Insurance are available to guide you to the best and most comprehensive coverage for your home. We have been helping New Jersey homeowners for over 100 years. Of course insurance coverage has changed in that time, but we are always updating our knowledge and stand ready to offer the newest, latest protection available. If you are a first time home buyer or are moving to a different location, Bogle Agency Insurance offers the most professional assistance in purchasing Homeowners Insurance. Give us a call at (201) 939-1076 and let’s talk!

Comprehensive Cyber Protection

We always think of insuring ourselves and our families against unexpected threats. We have homeowners insurance, auto insurance, health insurance, life insurance – but sometimes forget about insuring our digital lives. Cyber crime can have a lasting impact on your life and is a major concern in this day and age. Technology has made our lives easier and better in so many ways, but there is danger lurking on the internet. Things like identity theft, hacking, cyberstalking and harassment are just a few examples. The more sophisticated your internet activity is, the more sophisticated the cyber threat can be.

Bogle Agency Insurance in partnership with Chubb offers Comprehensive Cyber Protection. Chubb understands the complexity of cyber threats and provides a broad range of protection. This kind of protection is no longer a luxury, it is a necessity.  We offer the benefits of Masterpiece Cyber Protection.

The Benefits of Masterpiece Cyber Protection

Chubb protects against threats to release your personal information and destroy your personal network. There is protection against loss of funds in financial accounts and related expenses. Help is available in dealing with online harassment that may result in termination, discipline in school, and emotional stress caused by the harassmant. Support in handling cyberattacks that prevent access to your home, or the interruption of a small business that you operate from your home, is provided. Also offered is help dealing with the theft of access to personal data which results in defamation of character, or compromises your physical security, your family’s security, the security of your home.

Restoring your online identity after an attack can be a long and stressful process. Chubb is with you every step of they way to recovery. Because of Chubb’s partnerships with crisis management firms, you will benefit from resources that are aware of cyber security concerns and know how to help you deal with them. The aim is to make you whole again after any kind of cyber attack and its consequences.

Get Help From Experts

Cyber protection is a major concern of Bogle Agency Insurance together with Chubb. We want to offer the top-of-the-line protection that Chubb can provide after an internet attack. Your online security is our focus with this premium coverage. To learn the benefits of Masterpiece Cyber Protection, please give Bogle a call at (201) 939-1076.

Ways to Save Money on Health Insurance Premiums

We all know that health care costs and health insurance are major subjects of conversation and consideration. In New Jersey health insurance is required! The rising cost of health insurance is a concern for most of us, so here are some ideas for finding ways of saving money on NJ Health Insurance.

Low Premiums Don’t Always Save You Money

When looking for a health insurance plan, the monthly cost is probably the biggest concern. The range of monthly premiums is very wide, and you will undoubtedly want the lowest cost you can find. Low cost doesn’t always mean savings. For instance, you might find a plan for $300 a month, but the deductible could mean a much larger payment out of your pocket if an unexpected illness should arise. Lower monthly premium costs sometimes also mean choosing from different networks of doctors and pharmacies. This could mean out-of-network fees. You should try to balance your monthly premium cost with the size of the deductible.

“Wellness Programs” Sometimes Mean Discounts

Here’s something to consider.  Some employers and some plans offer discounts for healthy activities. These can offset the monthly cost of a gym membership, offer policy discounts, or sometimes cash incentives for staying healthy and active. Some plans offer discounts for people who are working to lose weight or to stop smoking. This is a win-win situation where you save money and stay healthy.

Health Savings Account or HSA

There are government policies that can help you save when it comes to health care. A Health Savings Account (HSA) gives you the ability to save pre-tax income, which in turn help s cover co-pays, deductibles and more. Such an account is a “tax-advantaged” savings account. This means you can add your pretax income into the account, and let it grow tax-free. There are requirements and limits for Health Savings Accounts, so you need to quality.

Take A Good Look At Your Medical Bills

Medical billing is rife with error. Simple mistakes can cost you a lot of money. Always ask for itemized bills and take the time to review them. Ask questions, and request a corrected invoice if there is an error.

Talk To An Experienced Insurance Broker

Buying insurance can be complicated and stressful. Brokers or agents like the team at Bogle Agency Insurance have long experience, and are experts relative to policies, federal health insurance mandates, and money-saving possibilities. We can help you navigate the Health Insurance Marketplace, and find the best plan for you, your family or your business. We want you to find the best price, with ample coverage and a reasonable deductible. At Bogle our focus is toward saving money on NJ Health Insurance for our clients. If you are looking for NJ Health Insurance and need professional help give us a call at (201) 939-1076 for a consultation.  

Protection At Sea and On Shore

If you own a boat, you know the feeling of peace and calm you experience while moving across the water. Your time on the water should be stress-free and with Chubb’s Masterpiece coverage we hope to make that happen. If you encounter a mishap while on the water, we offer repair or replacement of your boat, and towing should you need it. We also make sure you and your family are protected.  It is our intention to provide the finest Recreational Marine Insurance available.

Protection That Is Tailored to You!

We provide comprehensive protection to cover your needs. Everyone’s experience is unique and we want to cater to your personal requirements. We know your watercraft is special to you, and we always work to be as empathetic to your feelings as possible. If your boat suffers damage, we allow you to choose where the repairs are to be done. If you have any special technology that has been damaged, we’ll replace it with like quality equipment. If anything else needs to be replaced or repaired we are on it. You can rest assured Chubb will be on your side to repair or replace anything that is lost or damaged.

Accidental Injuries Covered

Should the unthinkable happen, such as someone being injured in an accident on the water, there is coverage for medical expenses. Our adjusters work quickly and are focused on getting you and your boat back on the water as soon as possible.

When Looking for Marine Insurance Call On The Best

Bogle Agency Insurance working together with Chubb, provides the most comprehensive and professional Recreational Marine Insurance service. The coverage is tailored to your specific needs, and we are always happy to discuss any special protection you seek. Claims are handled promptly and efficiently, and you are made whole very quickly. We want you to continue to enjoy the pleasure of boating in the future. You have worked hard to make sure your family enjoys the fruits of your labor. Boating is one of the most satisfying and enjoyable activities available to those who love being on the water. We want to be sure you are well protected with the proper marine insurance for your boating experience.

What A First Time Home Buyer Needs

Buying your first home is exciting and a little scary. Embarking on this quest takes time, resources, and lots of research. It can also create a stressful situation, so you should be prepared. A first time home buyer’s checklist should include a good real estate agent, a trusted mortgage lender and an expert insurance agency. If you have never bought a house before and are considering doing so, here are a few tips.

Have a Budget in Mind

Step number one in buying your first home is establishing a budget. You must know how much you can afford to pay for a house and what your monthly payments will be. Start off by knowing what the monthly income will be that contributes to the house payment. Put together a list of monthly expenses. Most experts recommend that you spend no more than 30% of your income on housing. This is a good guide toward determining what you can afford to spend. In determining these numbers remember that there are additional costs to owning a home over and above the mortgage payment. Some of these are maintenance, utilities, insurance. It’s a good idea to have cash on hand that can be used toward a down payment.

Find a Real Estate Agent

A trusted real estate agent can be a lifesaver, and their advice is invaluable. Don’t go with the first agent you talk to, shop around. Feeling comfortable with your real estate agent is important so you should interview more than one. Recommendations from family members or good friends can help. Your realtor will have the experience to answer all your questions and offer advice as well.

Your real estate agent can also recommend a mortgage lender. This doesn’t mean you shouldn’t do a little homework on your own. There are different types of mortgage loans and you want to find the one that suits your needs best. Be sure to get a credit report and have it on hand when talking to mortgage lenders. Once you have settled on a mortgage lender, try to get pre-approved for a loan. Showing a letter of pre-approval will indicate to sellers that you are serious about buying.

Another area in which that trusted real estate agent can help is buying first time home buyer homeowners insurance. You’ll need to talk to insurance agents, but the realtor can recommend reliable ones. Again, you need to do some research on your own. Find out what coverages you will need, and what levels of protection you can afford.

Find Your Ideal Home

When you are comfortable with your real estate agent, mortgage lender and insurance agent, find your dream house. This is the fun part, but it can be an arduous task. Don’t rush, and check out the neighborhood as well as the house. Find out about schools, recreational facilities, shopping, police and fire departments, etc. You and your real estate agent will work well together and you will soon be enjoying home ownership.

Homeowner’s Insurance Is A Key Element

It is important to have trusted agents working for you in the process of buying a home for the first time. When it comes to insurance, Bogle Agency Insurance has unmatched experience and expertise. We’ve been around for 100 years helping people in New Jersey insure their most valuable asset, their house. When you have decided to buy a house, give us a call at (201) 939-1076 and make an appointment to meet and discuss your first time home buyer’s homeowners insurance requirements. Let us guide you toward the best protection for your new home.

What Are Considered “High-Value Assets”?

High-Value Assets often include expensive homes in ultra-desirable locations, exotic automobiles, jewelry collections, art collections, yachts, high liability risks, and even internet security. Bogle Agency Insurance has partnered with Chubb to provide “insurance coverage for successful families and individuals with high-value assets“.  The benefits of high-value asset coverage are superior expertise and service.

What Are The Benefits of this Insurance?

1. We offer qualified experts to evaluate assets and then correctly insure them. Our experts are experienced in assessing the value of antiques, artwork, rare books, jewelry and other items that are irreplaceable to you.

2. If you are a first-time home buyer, we cater to your unique situation. You may be building your dream house and furnishing it with one-of-a-kind pieces. You may be purchasing a large house on a large piece of property that requires a bit more coverage than regular homeowner’s insurance offers. We are here to offer years of experience in advising first time home buyers.

3. If you have unusual or distinctive assets that need to be replaced, we identify the quality of the items. We never offer inferior replacements.

4. We recommend the use of top quality contractors and specialists.

5. The coverage is comprehensive, not partial.

6. Claims Service is responsive to your needs. If you should have the unfortunate experience of needing to enter a claim, our adjusters work swiftly to help you. Whether the claim is for replacement of a stolen or damaged item, or because of an accident, our staff is always ready to support you. We offer compassion, as well as the information you need to carry on.

7. We offer protection against inflation.

These are just a few of the benefits of our special coverage. For a full examination of your insurance needs, and to see what coverages we can offer, you should consult with one of our agents. Call Bogle Agency Insurance at (201) 939-5378 in Lyndhurst NJ to talk to one of our insurance experts.

Coverage Focused on Your Individual Requirements

This extra coverage is suited to dealing with unusual circumstances and extraordinary personal assets. You have worked hard to build a lifestyle for yourself and your family and should have them protected to the fullest. Life is full of surprises, but you should be prepared for them. Bogle Agency Insurance, together with Chubb, is offering protection, support and service based upon years of experience. We have dealt with unique individuals and situations like yours many times before. We are ready to give you our fullest attention and always respond with ways to say “yes”!