Life & Health

Posted by B3X2lG9n0X3 on

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?

Posted by B3X2lG9n0X3 on

NJ Homeowners Insurance Coverage | Bergen County NJ

NJ Homeowners Insurance Coverage | Bergen County NJ

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

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

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

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

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

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

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

Life Insurance Premiums

Posted by B3X2lG9n0X3 on

Factors that Affect Life Insurance Premiums

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

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

Personal Habits that Can Affect Insurance Policies

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

Policy Details that Can Affect Insurance Prices

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

Why call Bogle Agency Insurance?

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

Bergen County Motorcycle Insurance

Posted by B3X2lG9n0X3 on

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.

Why Use an Insurance Agent?

Posted by B3X2lG9n0X3 on

Bergen County NJ Insurance Agent | Bogle Agency Insurance

NJ business insurance
Bogle Agency Insurance, your Lyndhurst NJ insurance experts

Most people search for everything online these days, and insurance agents are no exception. However, it’s important to realize that search results simply cannot replace human interaction and local knowledge. If you are looking for a particular type of insurance in Bergen County, our independent insurance agents at Bogle Agency Insurance can help you find the coverage you need.

 

What Do Insurance Agents Do For The Customer?

In the simplest terms, an insurance agent works as a liaison between you and the insurance company, providing all of your administration needs and helping you find coverage that suits your needs. There are two types of insurance agents: captive and independent. Captive agents represent one company and independent agents provide a conduit to numerous agencies. Bogle Insurance Agency acts as an independent insurance agent, offering you access to numerous products from a variety of companies, ensuring that you get the coverage you need from the insurance company that will provide you with the best value and service. Insurance agents act on behalf of the insurance companies they are representing.

An insurance broker is a licensed and educated individual who has the ability to analyze the needs of a business. This is similar to an independent agent but in this case, a broker is required to hold a broker’s license. As a result, there is a higher liability associated with the license and the expertise a broker provides. There is often a charge associated with a brokerage as well in addition to the commission realized from the insurance company. Brokers represent the insured.

 

Deciding How To Choose Your Insurance Representative

 

The choice of whether you go with a Bergen County insurance agent or a broker is yours. Your top priority should be getting the coverage you need at a fair price and choosing a company with a solid reputation matters. Bogle Agency Insurance has extensive experience selling insurance in Bergen County. We represent a large number of insurance companies allowing us to help our clients select the best possible coverage and obtain the best pricing at the same time. In addition, our Bergen County insurance agency is a member of the American Insurance Marketing and Sales Society (AIMS), Independent Insurance Agents of America (IIAA), and Professional Insurance Agents Association (PIA). We have access to a limitless number of resources, are highly knowledgeable, and look out for the best interests of our clients.

Contact our team of Bergen County insurance agents today to learn more about your insurance options.

Bergen County Insurance, Coverage for Roofing Contractors

Posted by B3X2lG9n0X3 on

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.

New Jersey Insurance Plans, High or Low Deductible

Posted by B3X2lG9n0X3 on

New Jersey Insurance Plans – High or Low Deductible?

New Jersey Insurance Plans
Bogle Agency Insurance, Bergen County New Jersey Insurance Plans experts

An examination of New Jersey insurance plans may have you wondering whether to go with a high or a low deductible. This is a good question to ask yourself and your insurance agent when purchasing a plan.Customers should always weigh out the pros and cons of a high deductible vs. a low deductible carefully before signing up for a Bergen County NJ insurance policy.

A major benefit of a high deductible is the lower premium. This is great for a person who has a rainy day fund available. For those living paycheck to paycheck, higher deductibles could be a huge setback. Although no one can force the use of insurance, the reality is that it exists for protection against the unforeseen.

Low deductibles are available to help keep money in your pocket during an unfortunate event. This can offer great peace of mind in the event something occurs. However, a low deductible means a higher monthly premium. Consider your insurance policy carefully and discuss your options with your NJ insurance agent. The decisions you make now could affect you down the road.

Contact Bergen County insurance experts today

Contact our team at Bogle Agency Insurance today to learn more about a variety of personal and business insurance policies available. Our Bergen County insurance agents are educated, knowledgeable and available to help answer all of your questions. Let our team help you feel comfortable with your insurance options. We can be your guide to choosing the right New Jersey insurance plans for you, your family, and your business.

New Jersey Homeowners Insurance, Named Perils

Posted by B3X2lG9n0X3 on

Homeowners Insurance Bergen County | Named Perils

Homeowners Insurance Bergen County | Named Perils | Bogle Agency Insurance
Bogle Insurance Agency, your choice for homeowners insurance

Knowing what the named perils are is an important part of understanding your New Jersey homeowners insurance. Peril is the name given by insurance companies to represent what is covered in a policy. Named perils is a term given to issues covered by a policy. This is important to recognize as many homeowners purchase additional policies to cover those perils not included in the standard policy. Your Bergen County insurance agent will walk you through what is included on your policy and what is not.

Common named perils include weather related incidents as well as theft.  A good example of what is not included as a named peril is damage as the result of a flood or an earthquake.  These incidents require additional policies.

Typical named perils include damages as a result of:

  • Fire
  • Lightning
  • Wind
  • Hail
  • Snow
  • Ice
  • Explosion
  • Vehicles
  • Smoke Damage
  • Theft
  • Vandalism
  • Aircraft
  • Civil Unrest

To many these issues seem unlikely but it is important to be prepared for anything and everything. Your Bergen County homeowners insurance policy will cover the standard claim issues that arise with a host of weather and human related issues not to mention water damage occurring from major plumbing issues like burst pipes or a cracked water heater. These named perils should be considered when weighing your coverage and help you determine any additional coverage that may be needed.

Call Bogle Agency Insurance Today

The Bogle Agency wants homeowners in Bergen County to feel comfortable with their homeowners insurance coverage. Our insurance agents are well versed in common policy overages as well as additional available policies. We are here to answer all of your questions and help you with your concerns. Contact our team today and let us help you understand what coverage you need in your homeowners insurance policy. Let Bogle Agency Insurance serve as your guide to New Jersey homeowners insurance.

Cyber Insurance Coverage

Posted by B3X2lG9n0X3 on

 

Stay Protected With Cyber Insurance | Bogle Agency Insurance Bergen County NJ
Bogle Insurance Agency, your choice for insurance coverage in Bergen County NJ

Bergen County NJ Cyber Insurance Coverage

Bergen County cyber insurance is one of the newest types of insurance coverage to hit the insurance market designed to offer protection for your most personal information. With so many people storing their data on computers and in the cloud there is more risk than ever for personal and financial information to make its way into the hands of cyber criminals. While implementing a security policy in your home or office is important, having cyber insurance can help quell your fears and give you peace of mind in the event you find your security has been breached.

Most of us feel vulnerable at one point or another when it comes to typing in personal information, whether we are storing the information for ourselves or ordering something online. From saving passwords to entering financial information and beyond wavering between trust and fear is a natural phenomenon these days, often requiring a leap of faith. Luckily insurance policies have been created to protect individuals from risk associated with cyber breaches.

There are many steps that can be taken to protect yourself in the cyber world.  Strong passwords are one thing, storing them another.  Stay away from obvious names and dates and implement characters, numbers, and letters in a way that you won’t remember without writing them down and storing in a secure spot.  Another important element of cloud security is internet access.  Secure internet access is essential for maintaining your security.  Be savvy on your social media usage as well.  Understanding that your personal information is available to more than just your friends is important.  Your Bergen County insurance agent will be able to explain available risk coverage while offering security tips at the same time.

The Bogle Insurance Agency wants residents in Bergen County to rest assured that their cyber risk is covered. If you have questions or concerns about cyber security and cyber insurance policies please give us a call today. Our goal is to help you understand the coverage you need, ensuring you have the coverage necessary for the unknown. Let us serve as your guide to cyber insurance in Bergen County NJ.

Click here to read “Private cyber insurance provides adequate risk coverage: study” from Insurance Business Magazine.

Staying Safe In Ice And Snow

Posted by B3X2lG9n0X3 on

Bergen County NJ Homeowners Insurance | Bogle Agency Insurance Lyndhurst, NJ

Bergen County NJ Homeowners Insurance | Winter Weather SafetyThere is no weather condition that stresses the need for good Bergen County NJ homeowners insurance coverage more than icy and snowy weather. From keeping your walkways clear to driving as safely as possible, there are many steps that can be taken ahead of time to prepare for the elements to avoid disaster or inconvenience this New Jersey winter.  Inclement winter weather conditions add hazards to our daily lives that in turn have the potential to create liability issues for homeowners, renters, and drivers. Protection is essential and evaluating your insurance coverage should be a priority. The Bogle Agency offers Bergen County NJ homeowners insurance options out of our offices in Lyndhurst NJ to ensure you are covered for a myriad of circumstances.

Items on your must-do winter checklist include:

  • clear icicles
  • shovel walkways around your home, including the driveway
  • keep all stairs free of ice and snow
  • have sand, cinders, or ice melt available to sprinkle on icy areas
  • keep doors to your home and garage doors closed to avoid excess cold entering your home and freezing pipes
  • have snow tires on your vehicles
  • have an ice scraper, a blanket, and a shovel in each vehicle you own
  • make sure the defroster and heat work in your car
  • check your insurance coverage

Throughout the winter season it should be a priority to keep walkways clear of snow and ice. Preventing the possibility of someone slipping and falling in front of your house or on your property is important. In the event slips and falls do occur knowing you are backed up by a good homeowners insurance policy can relieve the stress and worry of liability.

Sit down with your Bergen County New Jersey insurance agent today to discuss your coverage and how unforeseen incidents on your property can affect it. If you have questions or concerns about your Bergen County NJ homeowners insurance policy or any of your policies, please give us a call today. Our goal is to help you understand the coverage you need and making sure you have the coverage necessary for unforeseen occurrences. Let us help you enjoy a stress-free winter season.