Top Insurance Carrier – Best Coverage


Bogle Agency Insurance offers Chubb Masterpiece Recreational Marine Insurance to NJLyndhurst NJ - Chubb Masterpiece Recreational Marine Insurance clients who own boats. We provide this outstanding insurance because we feel it is the best coverage for NJ boat owners. Owning a boat can provide endless pleasure on the water, but this ownership also comes with responsibility. Making your recreational marine experiences stress-free is our goal and we feel that boating insurance with Chubb is the best way to manage that.


Coverage For Your Boat And For Your Family


Coverage with Chubb Masterpiece Recreational Marine Insurance is complete, not partial or patchwork. This insurance offers repairs or replacement of your boat and everything on board. If personal belongings are lost or damaged, replacement is provided. If anyone is injured in an accident while on your boat, there is coverage for medical expenses. Chubb has watercraft specialists who know how to deal with damaged boats, and with the problems that face a boat owner after an accident.  Boating Insurance with Chubb is the best way to have peace of mind when enjoying fun on the water. 


Offering Professional Expertise


Bogle Agency Insurance offers the best insurance protection for the best price. You benefit from our longtime experience and knowledge regarding the needs of those seeking insurance. For NJ boat owners we feel Chubb Masterpiece Recreational Marine Insurance is the top of the line. For boating insurance or any other type of insurance, give us a call and speak with one of our knowledgeable agents. We can be reached at (201) 939-1076





Auto Insurance Add-Ons: Exploring Additional Coverage Options

NJ Auto Insurance Add-On CoverageAuto Insurance Add-On Coverage Options NJ Options

When it comes to auto insurance, there are essential coverage options to protect you and your vehicle. However, you can also enhance your policy with additional add-ons that provide extra layers of protection and peace of mind. In this blog post, we will delve into the various add-ons and additional coverage options available for auto insurance. From roadside assistance to rental car coverage, we’ll explore these options that can make a significant difference in times of need.

Roadside Assistance – Auto Insurance Add-On

Roadside assistance is a valuable add-on that provides help when you experience a breakdown or other vehicle-related issues. It typically includes services like towing, jump-starting a dead battery, delivering fuel, changing a flat tire, and locksmith services. Having roadside assistance coverage ensures that help is just a phone call away, providing convenience and peace of mind during unexpected roadside emergencies.

Rental Car Coverage – Auto Insurance Add-On

Rental car coverage is an add-on that comes into play when your vehicle is being repaired due to a covered accident or incident. It helps cover the cost of renting a substitute vehicle during the repair period. This add-on can be especially beneficial if you rely on your vehicle for daily transportation or have a long repair duration. Rental car coverage saves you from incurring additional expenses while your car is out of commission.

Gap Insurance – Auto Insurance Add-On

Gap insurance is an add-on coverage designed to protect you if your vehicle is declared a total loss after an accident. When a vehicle is deemed a total loss, the insurance payout may not fully cover the outstanding loan or lease balance. Gap insurance helps bridge this “gap” by paying the difference between the actual cash value of your vehicle and the amount owed. This coverage is particularly valuable for individuals who have recently purchased a new car or have a lease agreement.

Custom Parts And Equipment Coverage – AUTO Insurance Add-On

Custom parts and equipment coverage is an add-on option for auto insurance that provides protection for aftermarket upgrades or modifications made to your vehicle. This coverage helps reimburse you for the cost of replacing or repairing these customized parts if they are damaged or stolen. Whether you have added a high-end sound system, custom rims, or other enhancements, custom parts and equipment coverage ensures that your investments are safeguarded in case of unexpected events. It’s essential to review the terms and limits of this coverage to ensure you have adequate protection for your specific customizations.

Collision and Comprehensive – AUTO Insurance Add-On

Collision and Comprehensive coverage are two crucial optional coverages in auto insurance that provide valuable protection for your vehicle. Collision coverage specifically helps cover the costs of repairing or replacing your vehicle in case of accidents involving collisions with other vehicles or objects, regardless of who is at fault. It ensures that you can get your car repaired or replaced if it’s damaged in an accident. On the other hand, comprehensive coverage protects your vehicle from various non-collision incidents such as theft, vandalism, fire, or natural disasters. While collision and comprehensive coverage are optional, they offer an extra layer of protection and can provide you with peace of mind knowing that you have coverage for a wide range of risks.



Excess Liability Protection With ChubbLyndhurst NJ - Chubb Masterpiece Excess Liability Insurance

Bogle Agency Insurance offers Chubb Masterpiece Excess Liability Insurance because we feel it provides the best coverage with the highest limits. Homeowners Insurance and Automobile Insurance cover you for liability to a limited degree. When the unexpected occurs and you find you are not completely covered for liability, you need Umbrella Insurance or Excess Liability Insurance. This protection is what Chubb Masterpiece Excess Liability Insurance offers. The term “Umbrella Insurance” arises from the fact that this insurance covers you like an umbrella. We are pleased to offer NJ families the protection of Excess Liability Insurance with Chubb.


Protection for Your Family’s Lifestyle


You and your family probably enjoy a comfortable lifestyle with expensive possessions. Excess Liability Insurance protects you with higher limits than standard insurance, and offers you peace of mind.

Chubb Masterpiece Excess Liability Insurance is meant to protect NJ clients who need coverage above what the traditional Homeowners Insurance and Automobile Insurance provide. This insurance also covers your legal representation if needed as the result of an unforeseen event. Bogle Agency Insurance recommends that NJ families take advantage of this excellent coverage offered by Excess Liability Insurance with Chubb.


Professional Guidance


Bogle Agency Insurance provides assistance and guidance to help you choose the best insurance protection. We offer Chubb’s Excess Liability Insurance because it is simply the best coverage. Our experienced agents are always ready to help you decide what type of insurance coverage offers the most protection for your circumstances. Call Bogle at (201) 939-1076 for an appointment to discuss Excess Liability Insurance.

Home Insurance Claims, What To Do

When a NJ disaster strikes, whether it’s a fire, storm, or burglary, your home and belongings canBergen County NJ Bogle Agency Insurance On What Do With Home Insurance Clains suffer significant damage. In such unfortunate circumstances, knowing what to do after a disaster is crucial. This Bogle Agency Insurance blog post will guide you through the necessary steps to take after a disaster strikes and how to navigate the home insurance claims process smoothly.

Home Insurance Claim Step I: Assess the Safety of Your Home

After a disaster, the safety of you and your family should be the top priority. Before entering your home, ensure that it is safe to do so. Check for structural damage, gas leaks, electrical hazards, or any other potential risks. If you suspect any immediate danger, contact the appropriate authorities or professionals for assistance.

Home Insurance Claim Step II: Contact Us, Your Agent, or Your Insurance Company

As soon as it is safe to do so, contact us @ (201) 939-1076 or your insurance company to report the incident.

Provide Bogle Agency Insurance or your company with the essential details about the disaster, including the date, time, and nature of the event.

Take note of your policy number and keep it readily available for reference.

Bogle Agency Insurance or your insurance company will guide you through the claims process and provide instructions on the next steps.

Home Insurance Claim Step III: Document the Damage

To support your insurance claim, thoroughly document the damage to your property.
Take photographs or videos of the affected areas, including any personal belongings that have been damaged or destroyed. Make a detailed inventory of damaged items, including their approximate value, purchase dates, and any relevant receipts. This documentation will help ensure that you receive the appropriate compensation for your losses.

Step Iv: Mitigate Further Damage

It is your responsibility as a homeowner to take reasonable steps to prevent further damage to your property.
If safe to do so, take immediate action to mitigate any additional harm. This may involve covering broken windows, tarping damaged roofs, or drying out water-damaged areas. Keep records of any expenses incurred during the mitigation process, as they may be reimbursable under your insurance policy.

V: Work with Your Insurance Adjuster

Once you have reported the incident, your insurance company will assign an adjuster to evaluate the damage.
Cooperate fully with the adjuster and provide them with all the necessary documentation and information. Be present during their assessment to ensure that all damages are accurately documented. Maintain open communication with your insurance company and ask questions if you are unsure about any aspect of the claims process.  Call us if you have any questions.

VI: Keep All of Your Documents For Your Claim

After filing your claim, keep a record of all communications with your insurance company. Stay organized by keeping copies of all correspondence and claim-related documentation.  Call us if you need assistance.

VII: Take Care of Yourself and Your Family

Dealing with a home disaster can be emotionally and physically draining. Remember to prioritize self-care and seek support from family, friends, or counseling services if needed. Take steps to restore your well-being and create a sense of normalcy for yourself and your loved ones.




Certain factors have an effect on your homeowners insurance premium. These factors make filing a claim more likely, and they range from the condition of your home to your financial standing. When pursuing lower premiums in Homeowners Insurance, eliminating or reducing these considerations is essential. Bogle Agency Insurance works to offer the best Homeowners Insurance coverage to NJ homeowners, with top carriers, and at the most affordable cost. Below we offer some factors that may affect NJ Homeowners Insurance premiums.


Common Factors That Affect Homeowners Insurance Cost


Some factors that determine the premium on your Homeowners Insurance are:

Deductible – This is the amount of money you pay on a claim before the policy coverage takes over. Deductibles are meant to induce homeowners to take good care of the condition of their property. Although a higher deductible means a lower premium, this should not necessarily be the only consideration when purchasing Homeowners Insurance.

Replacement Cost – This is the amount it would take to rebuild your house. Additions and renovations might make the house more comfortable and more desirable for resale, they also make replacement cost higher. This means the insurance company would have to pay out more in the event of a loss, and in turn would make your premium higher.

Condition of the house – The condition of the house you are insuring is a consideration in Homeowners Insurance coverage. Damage to a part of the house, like a roof or foundation, is taken into account by insurance companies when determining the premium amount. To avoid costly claims in the future, damage should be repaired. Some companies will deny coverage if there is serious damage to the roof or foundation of a house.

Pets – Hard to believe, but some pets can make Homeowners Insurance cost more. Certain breeds of dogs are considered more dangerous to the public than others. Although this probably doesn’t apply to your dog, statistical analysis indicates this to be a factor in insurance premiums.

Proximity to a Fire Station – When determining premiums for Homeowners Insurance, carriers consider the travel time from the nearest fire station to your house. Fire claims make up a large part of property claims. The distance from a fire station to your house could make the difference between a total loss and only minor damage.

Credit History – Regarding the determination of insurance rates, your credit history is a factor. This is in the interest of reducing fraudulent claims.


Manage Risk And Keep Insurance Costs Lower


Working at lowering the risk of an insurance claim can help reduce premium cost. Being aware of risk problems and trying to alleviate them can lower Homeowners Insurance premiums.

Bogle Agency Insurance offers Homeowners Insurance to Bergen and Morris County NJ and surrounding area families. Our agents are experienced in the many facets of Homeowners Insurance and can help educate you about the potential risks that will raise your Homeowners Insurance cost. It is our goal to offer the best insurance coverage for the most affordable price. If you are in need of Homeowners Insurance, call us at (201) 939-1076 and talk with one of our knowledgeable agents.



Lyndhurst NJ - Chubb Masterpiece Insurance For Valuable Possessions


Offering Top Coverage For Your Possessions


Bogle Agency Insurance offers clients the opportunity to have Chubb Masterpiece Valuables insurance when they are seeking greater protection for their valuable assets. This is the premier insurance coverage for items that have greater value than your standard household belongings which are covered under your Homeowners Insurance. Most Homeowners Insurance will only cover more valuable items to a limited degree. Chubb Masterpiece Insurance offers wider protection for valuables that are worth more than the ordinary.


Quick Claims Response, Greater Coverage


Chubb responds to claims quickly and efficiently. This kind of response to a claim offers great relief to our clients. Bogle Agency Insurance strives to offer the best protection with the quickest response time when you have a loss. Chubb provides services that include fine art, jewelry and collections specialists with training and knowledge of specialized items. Ideas for future prevention of losses are offered as well. 


Learn More About Valuable Asset Insurance


Bogle Agency Insurance has been helping people in NJ with insurance protection for over 100 years. It is our goal to make clients in Bergen and Morris Counties, as well as a wide surrounding part of NJ, who have treasured valuable possessions, aware of Chubb Masterpiece Insurance. Call us at (201)) 939-1076 for a consultation with one of our knowledgeable agents to discuss the advantages of this superior protection.




Lyndhurst NJ Chubb Masterpiece Homeowners Insurance



Outstanding Homeowners Insurance Coverage


Bogle Agency Insurance offers Chubb Masterpiece Homeowners Insurance to NJ homeowners. Chubb is a leading American insurance carrier and in the interest of serving our clients’ needs, we offer the best coverage. Chubb Masterpiece Homeowners Insurance is a quality product offered to NJ homeowners to protect their most expensive asset, their home. Insuring your NJ home with Chubb is a responsible decision.


Great Coverage and Great Service


A Chubb Masterpiece Homeowners Policy provides great protection for your home, and also exceptional service. Chubb sends an adjuster to assess damage right away if you should suffer a loss. This means they get to work processing the claim with efficiency. Chubb offers many ways in which they provide top coverage. Not only are you well protected, Chubb strives to educate policyholders about ways to prevent future losses.  You will find that insuring your NJ home with Chubb Masterpiece Homeowners Insurance is one of the best decisions you can make.


Outstanding Coverage – Competitive Price


Bogle Agency Insurance offers Chubb Masterpiece Homeowners Insurance because we feel it is premier protection for a fair price. First-time home buyers and long-time homeowners should explore the excellent coverage provided by Chubb. Call us at (201) 939-1076 and speak to one of our experienced and knowledgeable agents about Chubb Masterpiece Homeowners Insurance.

Actual Cash Value vs. Replacement Cost Value

As a homeowner in NJ, it’s important to understand the different types of Insurance coverageReplacement Cost vs Actual Cash Value - Insurance NJ available to protect your investment. Two key terms to know are actual cash value (ACV) and replacement cost value (RCV). While they may sound similar, there are significant differences between the two! And it is those differences that will impact your insurance claim payout in the event you ever have a loss.

What is Actual Cash Value (ACV)?

Actual cash value is a term used in insurance policies to describe the value of an item at the time it was damaged or destroyed. It takes into account the item’s original value, minus depreciation, which is the gradual decrease in value over time due to age, wear and tear, and other factors.

What is Replacement Cost Value (RCV)?

Replacement cost value, on the other hand, is the amount it would cost to replace or repair a damaged item with a new one of similar quality and function. Unlike ACV, RCV does not take into account depreciation. Instead, it reflects the actual cost of replacing the item with a new one. Not only does it replace, but it also eliminates a lot of grey area in what you will and will not get. And that can be a big relief.  

Comparing ACV and RCV with An Example

Let’s say you have a roof that is 10 years old and suffers significant damage from a storm. The insurance company sends an adjuster to assess the damage and determines that the cost to replace the roof with a similar one would be $15,000.

If you have an actual cash value policy, the insurance company will factor in the depreciation of the roof due to its age. If the adjuster determines that the roof has a useful life of 20 years, then you would receive a payout of $7,500 ($15,000 minus 50% depreciation for the 10 years of use).

On the other hand, if you had a replacement cost value policy, the insurance company will cover the full cost of replacement, regardless of depreciation. In this case, you would receive a payout of $15,000 and be able to fully replace their damaged roof.

Which Type of Coverage is Right for You?

Insurance is a balance between paying more now or potentially paying more later. With RCV, your premiums are higher but you are fully covered when a claim arises. With ACV, you would pay less in premiums, but may need to pay a lot out-of-pocket for a replacing items. In the example above, you’d be paying $7,500 for a new roof while the person with RCV coverage wouldn’t pay a penny! You’d be paying less now, but more overall.

We recommend having RCV for the peace of mind it brings. We wouldn’t want you to pay a little less now and then be in situation where you are paying excessive money to replace a roof or other item.

Why Bogle Insurance Support Is Your Best Bet

When it comes to the tough decisions related to various business insurance coverages, including Personal Lines Coverage for Property, Homes, Automobile, etc. you will want the most experienced professional agency. Bogle Agency Insurance, based in Lyndhurst, NJ, not only offers you, your family, and/or your commercial business property and liability insurance options, but we can help you understand all the variables. At Bogle Agency Insurance, we are your Bergen County, NJ, Insurance advocate. We are not the insurance carrier, we are a family insurance practice, 4 generations and 100+ years, dedicated to helping you make the best possible decision. Simply request a quote to get started today!




Lyndhurst NJ - Chubb Masterpiece Cyber Protection


Insure Yourself Online


You make sure your home, automobile and assets are insured, so don’t forget to protect yourself on the internet. Bogle Agency Insurance offers exceptional cyber insurance coverage with Chubb Masterpiece Cyber Protection to NJ residents. The knowledgeable agents at Bogle Agency Insurance are always ready to discuss online insurance through Chubb Masterpiece with prospective applicants.


Cyber Crime Has Become A Real Concern


Chubb Masterpiece Cyber Protection shields you from identity theft, loss of financial security, and the release of your personal information. Restoring these things can involve a long and painful process, along with emotional stress caused by these concerns.


Insuring Your Online Presence With The Help Of Experts


Bogle Agency Insurance is offering Chubb Masterpiece Cyber Protection because we believe this type of coverage should be a priority. As you and your family become more dependent upon the use of the Internet for banking, communication, shopping and travel, the more cyber protection becomes necessary. To speak with one of our experienced and knowledgeable agents about protecting yourself online with Cyber Insurance, give us a call in Lyndhurst NJ at (201) 939-1076

The Benefits of Short-Term Health Insurance

Short-Term Health Insurance NJ | Bogle Agency Insurance Lyndhurst NJ
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Short-term health insurance in NJ is a type of health insurance that provides coverage for a limited period of time, typically anywhere from 30 days to 12 months. These plans are designed to provide temporary coverage for individuals who are in between jobs, waiting for employer-sponsored coverage to begin, or who are not eligible for other types of health insurance.

Affordable Premiums

Short-term health insurance plans typically have lower premiums than traditional health insurance plans. This is because short-term plans are designed to provide coverage for a limited period of time and do not have to meet the same requirements as other types of health insurance. This makes them a more affordable option for individuals who need temporary coverage.


Short-term health insurance plans offer a great deal of flexibility. These plans allow you to choose the length of coverage that best fits your needs, ranging from 30 days to 12 months. They also offer a variety of deductibles and copays to choose from, allowing you to customize your coverage to fit your budget and healthcare needs.

Fast Coverage

One of the biggest advantages of short-term health insurance is the speed at which coverage can begin. In most cases, coverage can start as soon as the next day after you enroll. This is particularly beneficial for individuals who need coverage quickly, such as those who are in between jobs or waiting for employer-sponsored coverage to begin.

No Network Restrictions

Short-term health insurance plans do not have network restrictions, meaning you can choose any healthcare provider you want. For those who travel often or live in areas where healthcare options are limited, this type of plan could be quite appealing.

Additional Benefits

Many short-term health insurance plans offer additional benefits, such as telemedicine services, prescription drug discounts, and wellness programs. These benefits can help you save money on healthcare costs and improve your overall health and well-being.

Seek Professional Guidance

Bogle Agency Insurance offers assistance and guidance to choose the best insurance protection for your unique needs. Our experienced knowledgeable agents stand ready to help you decide what insurance coverage offers the most protection for your particular circumstances. Give us a call at (201) 939-1076 for an appointment to discuss your needs for Insurance.