Insuring Your Vacation Or Secondary Home

With Spring approaching, we start thinking about vacation home buying. When investing in a vacation or second home, you should be aware that it probably won’t be covered under your homeowners insurance policy. A secondary home usually requires a second insurance policy. Different risks, different coverage. Sometimes your primary homeowners insurance may cover some liability on your secondary home. If you are going to have a mortgage on your vacation home, your bank may require a separate insurance policy. This is mainly to cover the structure and contents against fire, flood and theft. Bogle Agency Insurance offers our NJ clients coverage with leading carriers, such as Chubb. Chubb provides premier insurance for secondary homes.

What Impacts The Cost of Vacation Home Insurance

Some factors that may affect the cost of vacation home insurance are:

Location

The location of a secondary property makes a difference in cost. If it is in a flood-prone area you may need flood insurance.

Type of Property

Depending upon whether your vacation home is a stand-alone house, condo or townhouse makes a difference in coverage. If the property is maintained by a homeowners’ association providing some security, this could lower your insurance risk. The age and building materials used in the construction are also factors.

Extra Amenities

If you purchase a second home with a pool or hot tub, you could have added liability.

You Can Save Money On Vacation Home Insurance

Choose a location with lower risk of flood – farther from the beach for instance. Insuring the second home with the same insurer that covers your primary home may save money. This is known as “bundling” policies. Installing an alarm system – one that detects both fire and break-ins – might lower the cost. Of course, it always makes sense to shop around for the best quote on second home insurance.

Consult an Expert

Bogle Agency Insurance will give you sound advice on the best coverage and lowest price to insure your vacation home. Our professional insurance agents offer coverage to Bergen County NJ residents including Business Insurance, Health Insurance, Professional Insurance, Auto Insurance, Bonds, Umbrella Insurance, Disability Insurance, Life Insurance, Home Owners Insurance, Property Insurance, High Value Asset Insurance, and more.

It is our goal to make you confident about coverage, for the lowest cost. When you have made the decision to buy a vacation home, call Bogle at (201) 939-5378 for a consultation on the best way to insure it.

Cyber Crime is a real threat

We all think we are well insured against unexpected threats. We tend to forget to insure our digital presence. Cyber crime can haunt you for a long time and should be a major concern today. While technology has made life easier, in some ways it makes life harder. There are perils lurking on the internet, such as identity theft, hacking, cyberstalking and harassment. The more enlightened you think you are on the web, cyber threat is always one step ahead.  Internet cyber crime protection is essential.

Bogle Agency Insurance offers Masterpiece Cyber Protection with Chubb. Chubb offers a broad range of protection against this modern day threat. 

What are the benefits of Masterpiece Cyber Protection?

Chubb’s Masterpiece Cyber Protection Insurance protects against threats of releasing your personal information. It also offers protection against loss of funds in financial accounts and related expenses. Help is available to deal with online harassment that results in termination, discipline in school, and the emotional stress that can result. There is support in dealing with cyberattacks that prevent access to your home, or the interruption of a business that you operate from your home. Help dealing with theft of personal data that results in defamation of character, or compromises yours and your family’s security is also provided.

Having to restore your online identity after a cyber attack can be a lengthy and stressful process. Chubb is in partnership with crisis management firms and you will benefit from their awareness of cyber security concerns. The goal is to make you whole again after such an attack and its consequences.  Internet cyber crime protection should be on your list of priorities.

Help is available from experts in the field

Cyber protection is a concern of Bogle Agency Insurance. We wish to offer the top-of-the-line protection that Chubb provides after an internet attack. Your online security is our focus with this premium coverage. If you consider cyber security a concern, call Bogle Agency Insurance at (201) 939-1076 for a consultation. We will inform you about the benefits of Chubb’s Masterpiece Cyber Protection.

Our professional insurance agents offer coverage to Bergen County NJ residents including Business Insurance, Health Insurance, Professional Insurance, Auto Insurance, Bonds, Umbrella Insurance, Disability Insurance, Life Insurance, Home Owners Insurance, Property Insurance, High Value Asset Insurance, and more.

What is Business Property Casualty Insurance?

All NJ business owners should understand the types of insurance a business needs in the state of New Jersey. Business Property Casualty Insurance coverage is for unexpected events. Starting out with the proper business insurance coverage helps business owners avoid surprises and possibly financial crises. Not all exposures are obvious and that’s why you need a professional NJ insurance agent to guide you and make sure your business is fully covered. Bogle Agency Insurance has the experience and expertise to help your business have the Business Property Casualty Insurance it needs in NJ.

What Types of Business Insurance Will A Business Need?

Worker’s Compensation – protects employees under state laws, provides medical care, death, disability and rehabilitation benefits for workers injured or even killed while on the job.

Errors and Omissions – a type of liability insurance that protects companies and their employees against claims of inadequate or negligent professional work

Property Insurance – insures against damage to buildings, their contents and/or a loss of income due to a disaster, such as a fire.

Vehicle Insurance – covers physical damage to company cars or commercial trucks. This insurance also covers liability related to the use of same.

Business Interruption – compensates for income lost during a period of restoration to repair or restore physical damage to a named property.

Umbrella – catastrophic event coverage meant to take over where business auto liability or general liability are used up.

These are general types of Business Property Casualty Insurance a business may need. Other options do exist, such as Product Liability Insurance for a manufacturing business. Home based businesses may need extra coverage on their Homeowners Insurance policy. The important thing is to have coverage provided by the Business Property Casualty Insurance package that works for your business in NJ.

Be Prepared for the Unexpected

One event can wipe out a small business if they aren’t covered. Taking the time to evaluate the needs of a business can save it from disaster. Bogle Agency Insurance is a knowledgeable, reliable and reputable agency to work with. We welcome the opportunity to customize a Business Property Casualty package based on the unique requirements of your business. 

Our professional insurance agents offer coverage to Bergen County NJ residents including Business Insurance, Health Insurance, Professional Insurance, Auto Insurance, Bonds, Umbrella Insurance, Disability Insurance, Life Insurance, Home Owners Insurance, Property Insurance, High Value Asset Insurance, and more. Call us for a consultation at (201) 939-1076.

We protect you at sea and on shore

Do you own a boat? Then you know there is nothing as exhilarating as skimming along the water with the wind on your face. At Bogle Agency Insurance we want your time on the water to be without stress and we offer Chubb Masterpiece coverage to ensure that it will. If you have a problem while on the water this insurance covers repair or replacement of your boat, and towing if you need it. Protection for you and your family is also covered.  It is our focus to provide the most exceptional Recreational Marine Insurance to our NJ clients.

Exceptional Recreational Marine Insurance tailored to you!

Chubb Masterpiece Insurance offers comprehensive protection to cover your unique requirements. Everyone’s experience is different and we are looking out for your personal needs. We know your boat is special to you and if it suffers damage we allow you to choose who does the repairs. If you have special technology that has been damaged, we will replace it with like quality equipment. This is also the case with anything that needs to be repaired or replaced on your boat. Bogle Agency Insurance is always on your side and we offer the best insurance coverage that protects your assets.

Accidental Injuries are also covered

If an injury should occur during an accident on the water, there is coverage for medical expenses. Adjusters work speedily and are focused on getting you and your boat back on the water as soon as possible.

Talk to Bogle for the best Recreational Marine Insurance coverage

Bogle Agency Insurance offers Chubb Masterpiece Insurance which includes the most comprehensive and professional Recreational Marine Insurance service. It is tailored to your needs and Bogle is always happy to discuss any special protection you seek. Claims with Chubb are handled promptly and efficiently and you are made whole quickly. Bogle Agency Insurance wants you to continue to be able to enjoy the pleasure of boating. Boating can be one of the most enjoyable activities available to those who love being on the water. We want to make certain that you are well protected with the proper marine insurance needed for your boating experience. If you are in need of exceptional Recreational Marine Insurance give us a call today. We can be reached at (201) 939-1076.

What Affects Life Insurance Premiums?

Many things can affect the price of Life Insurance, but the most obvious ones are age, health and lifestyle. The risks associated with age, health and lifestyle are always considered when Life Insurance premiums are determined. If you are concerned about your eligibility for Life Insurance you should talk to a New Jersey Insurance specialist. Bogle Agency Insurance agents are knowledgeable about how Life Insurance Premiums are affected by various factors, and can help assess your eligibility.

Things That Affect Life Insurance Premiums

Age is of course the most prominent item that influences the price of Life Insurance. If you are purchasing Life Insurance at an advanced age, the premium will be higher. You probably won’t live as long, hence the premium is higher. Your personal habits can be major factors in the price of Life Insurance. Smoking and alcohol consumption as well as other risky behavior have an adverse influence on Life Insurance Premiums. Other health concerns such as high cholesterol, obesity, and any existing medical issue will have an affect on determination of eligibility and on the price of Life Insurance.

Types of Life Insurance

Whole Life Insurance

Whole Life Insurance covers you for the rest of your life. This type of Life Insurance provides death benefits and additional cash value which grows during the life of the policy. Usually you must qualify with a health examination. It takes a number of years for a cash value to accumulate. Whole Life Insurance can cost more at first, but will eventually save you money if it stays in force for a long time.

Term Life Insurance

Term Life Insurance provides only death benefits, and pays only if you die within the term limits of the policy. This is the most affordable Life Insurance option. Term Life is purchased for a certain time period – 5, 10, 15, or 30 years, which is a “term”.

Combined Term and Whole Life Coverage

This type of policy combines the ability to build lifelong value, while supplementing certain specific times of your life (such as during children’s education, when you have a mortgage, etc.) with the protection of a term policy. Combined Term and Whole Life coverage offers the best of both worlds.

Learn About Bergen County NJ Life Insurance Options For You

Bogle Agency Insurance is a leading authority on Life Insurance as well as all other types of insurance in Bergen County and all of New Jersey. Call us for a consultation with an agent to discuss Life Insurance and the factors that affect premiums. Our team of specialists will help to inform you about the options that are available and the cost involved. Giving you our assistance in choosing the right Life Insurance for you and your family is our main focus. We can be reached at (201) 939-1076 – call us today.

Define High-Value Assets

Those things that are considered high-value assets often include expensive homes in ultra-desirable locations, exotic automobiles, jewelry or art collections, yachts, high liability risks, and even internet security. Bogle Agency Insurance offers Chubb “insurance coverage for successful families and individuals with high-value assets”. The very real advantages of “high-value asset” coverage are superior expertise and excellent service.

What Makes This Insurance Better?

1. You have the knowledge of qualified experts to evaluate assets, and therefore adequately insure them. Chubb’s experts are experienced in assessing the value of antiques, artwork, rare books, jewelry and anything that is irreplaceable to you.

2. If you are buying your first home we cater to your unique situation. You may be building your dream house and plan to fill it with one-of-a-kind furnishings. Or you may be buying a large house on lots of acreage that will require more coverage than regular homeowners insurance offers. This insurance is meant to protect these unique assets.

3. If you have unusual and distinctive assets that need replacement, the quality of those items is identified. You will never be offered inferior substitutions.

4. Top quality contractors and specialists are recommended.

5. This coverage is comprehensive, not partial.

6. Claims service is quick and responsive to your needs. Adjusters work swiftly to be of help to you. Whether a claim is for replacement of a stolen or damaged possession, or because of an accident, staff is supportive. Compassion as well as real help are always on offer.

These are just some of the advantages of “high-value asset” coverage. Bogle Agency Insurance is always ready to offer a full examination of your insurance needs, and recommend proper coverage.

Focus Is On Your Unique Requirements

This extra coverage is suited to dealing with unusual circumstances and extraordinary personal assets. Your hard work at developing a comfortable lifestyle for your family and yourself should be be protected to the fullest. You should always be prepared for the surprises that life sends your way. Bogle Agency Insurance is offering Chubb protection with our support and service based upon years of experience. We have dealt with unique individuals and situations like yours before. We are ready to offer our fullest attention and expertise. Give us a call at (201) 939-5378 to see what we can offer our New Jersey clients with “high-value assets”.

Who Is Covered By Workers Compensation Insurance?

As the name suggests, workers or employees are those covered by Workers Compensation Insurance. Your employer must have a Workers Compensation policy in place, and compensation is only due if the illness or injury originated while on the job. Workers Compensation Insurance covers compensation, or lost wages, when you are unable to work due to sickness or injury that occurred while you were at work. When you are hired to work in a precarious or dangerous environment it is especially wise to be sure the employer has a Workers Compensation policy in effect. Generally speaking full and part time workers are covered under Workers Compensation Insurance. Independent contractors must carry their own workers compensation policy.  Bogle Agency Insurance has answers to the question “Who Does Workers Compensation Insurance Cover?”

Is Workers Compensation Insurance a Requirement For Employers?

Any business that employs more than one person is required to have Workers Compensation Insurance. The thing for employees to remember is that the illness or injury must have occurred while at work. If you are hurt outside of work you are not covered.

Talk to a professional for Workers Compensation Information

Bogle Agency Insurance provides a complete line of insurance options to New Jersey businesses. We are here to guide you and ensure that you have the coverages needed to operate a business. Our knowledge and long time experience can be invaluable in answering everyone’s Workers Compensation questions. Bogle wants all employers and employees in New Jersey to have a safe and well informed experience in their workplace. Give us a call for a comprehensive insurance consultation. We can be reached at (201) 939-1076.

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.