Home Improvements and Homeowners Insurance

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Planning A Home Improvement Project This Spring? You Should Tell Your Insurance Agent!

Home-Improvement-projec-and-homeowners-insurance-bergen-countySpringtime is right around the corner! With temperatures now averaging above freezing, the ground beginning to thaw and longer lasting sunlight, you may feel the urge to start new home projects. Whether you’re a DIY’er or hiring a contractor, these springtime home improvement projects can boost the curb appeal of your home, increase protection against the elements and even make your time spent at home more enjoyable!

Home improvement projects such as building a patio, installing a new roof, upgrading windows and even renovating your kitchen can dramatically increase not only the appearance of your home but also the overall value. So, if you’re debating some home improvement projects this spring, reach out to your Insurance Agent and let them know!

My Home Value Increased – Should My Coverage?

ABSOLUTELY! Homeowners insurance covers damages that can occur to your home due to unexpected events such as fires, floods, lightning strikes and more. This means that as you upgrade your home, your insurance policy should represent the newly increased value of your home! Without an increase the value of your home on your insurance policy, you may receive a smaller payout in the event of a total loss.

Do Home Values Increase Even With Small Projects?

You may think, “All I’m doing is expanding my patio and building a garden… that won’t increase my home value!” That’s not always true… depending on where you live, these small additions may be highly important to potential buyers. Therefore, the overall value of your home may increase based on the local market. However, increasing your home’s value isn’t the only reason to let your Homeowners Insurance agent know about home improvement projects.

Home Improvement projects such as the installation of a pool should be discussed with your Homeowners Insurance agent due to the increased risk you may face. While a pool may increase the value of your home, it also increases the chance of someone being injured on your property. Increasing your home’s liability coverage can prevent you from being sued in the event of an injury.

Will My Insurance Policy Increase With Home Improvements?

No, not always! That’s why it’s important to discuss any home improvements with your Homeowners Insurance Agent. They will be able to guide you on the right path and advise you on what improvements will save you money, increase your home’s value and decrease liability. Improvements such as a new roof or upgraded appliances can help to decrease your insurance policy premium while building an addition may increase your policy.

Bogle Agency Insurance Agents Know Homeowners Policies!

Contact a Bogle Agency Insurance Agent today to discuss your future home improvement plans. The agents here at Bogle Agency Insurance are experienced in Homeowners Insurance and can help you plan and organize your ideas for future home improvement projects to ensure you’re saving money, keeping yourself covered and increasing your home value!

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Cyber Insurance for Businesses

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Cyber Insurance Becoming Increasingly Important for Businesses to Have

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

Cyber insurance is becoming an important resource for businesses to have. Cyber threats and attacks are becoming more and more commonplace.  Because of this, insurance needs have grown and changed.  However, not every business has adequate defense against such action. As a result, cyber insurance coverage should be considered a critical NJ business insurance policy to have.

New Jersey Cyber Insurance proves to be even more important for small businesses. While many large companies have a dedicated tech team, often smaller businesses do not. Many small businesses don’t have the budget or think cybersecurity is an unnecessary extra. As a result, small businesses can be more vulnerable, and hackers know this!

Small businesses are a target for cyber attacks

Small businesses are a target for cybercriminals because of their vulnerability. Likewise, many small businesses do not have the resources needed to recover from cybersecurity attacks. Luckily, the proper insurance coverage alleviates this stress. Sit down with an experienced NJ insurance agent from Bogle Agency Insurance today to discuss whether your business insurance covers cyber breaches.

What can you expect from a New Jersey business insurance policy? Insurance is designed to protect your presence on the internet. Policies differ to meet varying needs. Some companies need to be protected against hackers while others need to protect their intellectual content. A cyber insurance policy can offer security and peace of mind when it comes to small business vulnerability. Best of all, cyber insurance can cover business interruption if something ever happens.

Learn more about cyber insurance for your business

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

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

Wedding Insurance Is Now Available Through Bogle Agency Insurance!

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Bogle Agency Insurance Wedding Protection Plans

Wedding Insurance | Bogle Agency Insurance

Did you know the average cost of a wedding was over $25,000 in 2017! That’s more than the average cost of a used car! However, only one of those mentioned is commonly insured. Bogle Agency Insurance is proud to announce our newest insurance product available today – Wedding Insurance. Spending any large amount of money is not easy. However, it helps to know you are covered in the event of an accident, cancellation or any other incident that could affect the outcome of one of the biggest day of your life!

 

What Does Wedding Insurance Cover?

Weddings, like other major events, have many ‘moving parts’ if you will. From the transportation of your guests to food delivery and even location set-up – your wedding relies on many different companies and people to make sure your day is as perfect as you planned. However, as we all know, not everything can go right! Wedding insurance protects your event by covering various incidents that can happen throughout the day such as:

  • Lost Deposits
  • Wedding Attire Damage
  • Damaged or Lost Wedding Rings
  • Unexpected Unemployment
  • Liability Coverage For The Venue
  • Sudden & Unexpected Sickness
  • Unexpected Expense
  • Damaged or Lost Wedding Photography
  • Severe Weather Protection
  • & More!

Do I Need Wedding Insurance?

Wedding Insurance is not required, but it is a great way to feel protected on one of the most stressful days of your life! By covering your wedding, you have the opportunity to sit back and enjoy your day rather than stress about additional costs, unexpected incidents, and cancellations. There is no need to worry about your wedding photos getting deleted accidentally, your caterer failing to show or even a severe weather event inhibiting your guests’ ability to make it to your wedding.

Bogle Agency Insurance Now Provides Wedding Insurance For New Jersey Customers

Through the well known and trusted Travelers Insurance company, Bogle Agency Insurance is able to find the perfect custom Wedding Insurance Policy for your specific situation. Protect your wedding investment and enjoy one of the greatest days of your life with the Wedding Protector Plan®

 

Contact Bogle Agency Insurance today to discuss the various plans and coverages available.

 

100 Years of Insurance Experience

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Bogle Agency Insurance Is Celebrating 100 Years!

Bogle Agency Insurance 100 year anniversary

Here at Bogle Agency Insurance, we are Celebrating our 100th Year Anniversary!  We have been providing insurance to the businesses & families of New Jersey and the surrounding states since 1919.

 

With a century of experience, our agents have seen it all!  Every claim, automobile, home and, business purchase Bogle Agency Insurance has been there for all of our clients to make sure they’re covered properly while still saving money.

 

Today, Bogle Agency Insurance not only celebrates its’ 100-year anniversary but also its’ family values that have been built over the past 4 generations of Bogle family members in the business. Our independent agency is truly a family business and strives on being friendly, courteous and responsible! In its’ century of business, Bogle Agency Insurance has focused on creating and maintaining relationships with its’ clients in hopes to be the most helpful and dedicated agency available to New Jersey residents and business owners alike.

 

Thank You To All of Our Clients, Friends, Family, And Agents Who Have Made The Past 100 Years Possible!

Why it’s a Good Idea for an Annual Policy Review

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Why it’s a Good Idea for an Annual Insurance Policy Review

Annual Insurance Policy Review | Bogle Agency Insurance
Bogle Agency Insurance, insurance coverage for your home or office

There are many reasons while its a good idea for an annual insurance policy review when it comes to your Bergen County insurance policies. Let’s face it, elements of your life are constantly changing.  When you don’t review your insurance policies on a yearly basis there can be gaps in coverage.   Changes that occur in your life could include a new vehicle, the purchase of art, or perhaps the acquisition of new equipment for your business. This is why Bogle Agency Insurance, the go-to source for insurance in New Jersey, recommends an annual insurance policy review.

Questions to ask yourself:

These are but a few things to consider when reviewing your current NJ insurance policies. Life moves at such a fast pace that we may not even realize the changes that are occurring affect our insurance coverage. Should you have any major changes in your life at any time during a policy’s term we recommend that you contact Bogle Agency Insurance 201-939-1076, to discuss the changes.

Contact Bogle Agency Insurance today for your annual insurance policy review

Contact our team at Bogle Agency Insurance today to schedule a review of your current New Jersey insurance policies. We will help make sure that there are no gaps in your coverage. In addition, we will make sure that you do not have unnecessary coverage. Let our knowledge and experience offer the advice you need to cover the unexpected. An annual policy review is always a good idea.  And an experienced Lyndhurst NJ insurance agent is essential in making sure you have the coverage you need.

Bundled Insurance Packages | Home & Auto Insurance

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

Combining Home & Auto Insurance | Bogle Agency Insurance

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

Bundling Insurance Policies Can Cost More Than It Saves?

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

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

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

Learn More About New Jersey insurance options

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

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Health Insurance Shopping Tips

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Shopping For NJ Health Insurance

What to Consider When Shopping for An NJ Health Insurance Policy

 

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

 

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

 

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

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

 

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

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

 

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

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

 

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

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

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

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

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Bogle Agency Insurance Awarded Annual IIABA Best Practices Status

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Bogle Agency Insurance Awarded Annual IIABA Best Practices Status

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

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

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

Best Practices is a three-year cycle

The selected Best Practices agencies retain their status during the three-year cycle by submitting extensive financial and operational data to be reviewed each year. This is the third year of the current three-year study cycle. Over 1,500 independent agencies throughout the United States were nominated to take part in the annual study in the first year of this three year cycle, 2016, but only 262 agencies qualified for the honor. To be chosen, the agency had to be among the 35-45 top-performing agencies in one of six revenue categories.

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

NJ Insurance, Hurricane Coverage and Claims

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NJ Insurance, Hurricane Coverage and Claims

Hurricane Preparedness NJ Bogle Agency Insurance Hurricane Insurance

NJ insurance concerns often relate to hurricane coverage and claims. A hurricane is a weather event that none of us have control over. While many come and go leaving little more than a few branches in the yard and puddles in the driveway others can leave fallen trees and flooding in the basement. Regardless of what may or may not occur it is important to sit down with your Bergen County insurance agent to make sure you have the hurricane coverage you need.

A hurricane means torrential rains, often resulting in flooding; powerful winds that can bring down trees and blow away anything not tied down; and violent waves causing erosion and more. Most people think about hurricane damage occurring to homes. But it is important to realize that damage can occur to businesses as well. It is important that your NJ commercial insurance policy offers the coverage you need to give peace of mind when a hurricane hits.

Post hurricane tips for your business:

  • Make sure you can account for all employees who were at your facility during the storm.  If rescuers are needed call the appropriate emergency response group.
  • Be careful of flooded areas and be aware that the water may contain hazardous materials.
  • Do not drive through bodies of water.  A puddle may look like a puddle but could be far deeper than you realize.
  • Pools of water may have an electric charge so stay clear.
  • Have your building inspected by an engineer.  Wind damage could be more severe than you think.
  • Photograph all damage and make an appointment for an assessor to come out to survey the extent of damage.

Hurricanes are a fact of life when living near the coast. The aftermath can be shocking and costly. Understanding your homeowners insurance or your commercial insurance is essential. Sit down with your New Jersey insurance agent today and learn more about coverage and the claims procedure in the event of a hurricane.

Bogle Agency Insurance, your NJ insurance experts

Contact our team at Bogle Agency Insurance today to learn more about homeowners insurance in Bergen County NJ. We welcome the opportunity to help you evaluate your coverage. Let our knowledge and experience serve as your guide to NJ insurance, making sure you understand Hurricane coverage completely.

Lyndhurst NJ Umbrella Insurance

Personal Umbrella Insurance

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Personal Umbrella Insurance Starts Where Primary Leaves Off

Personal Umbrella Insurance Starts Where Primary Leaves Off | Bogle
Bogle Agency Insurance, your NJ insurance experts

Personal umbrella insurance starts where your primary insurance leaves off. Insurance products are often limited, including homeowners insurance, auto insurance, and health insurance to name a few. While these products offer the coverage you need, Umbrella insurance can help you cover the unexpected. It is available to step in when your insurance doesn’t cover the full amount of a settlement.  Your Lyndhurst NJ insurance agent is here to evaluate your individual needs and ensure a policy is drafted to deliver the coverage you require.

How Does Personal Umbrella Insurance Work?

Umbrella Insurance is exactly what it sounds like. It is a policy that covers you above your other policies. By having Umbrella Insurance, you are ensuring that, in the event of an unexpected lawsuit, you are covered completely. For instance, if an unfortunate event occurs at your home and results in your family being sued $2 million, but your homeowner’s insurance only covers up to $1 Million you’d be left to cover the difference. This could result in losing your home, cars and much more. However, If you’re covered by Personal Umbrella insurance, the policy would step in and cover that additional $1 Million, leaving you and your family safe from financial disaster.

What Does Personal Umbrella Insurance Cover?

A New Jersey umbrella insurance policy provides additional coverage on top of your homeowner’s policy, your auto policy, or your boat insurance policy. This is extremely helpful should you be sued for amounts above the limit provided by your general policies. Umbrella insurance, however, is not a requirement. But, it is certainly recommended for anyone with significant assets or savings.

In addition to extra coverage for your primary insurance policies, umbrella insurance will cover liabilities incurred by activities in which you partake outside of what your general liability insurance covers. This can include coaching, volunteering, playing sports, and even serving on the board of a non-profit.  Umbrella insurance covers the unforeseen and offers peace of mind in unusual circumstances.

Learn More About Personal Umbrella Insurance

Contact our team at Bogle Agency Insurance today to learn more about New Jersey insurance products. Our experienced agents look forward to explaining umbrella insurance policies and whether one is necessary for you and your family. Let our knowledge and experience serve as your guide to personal umbrella insurance in Bergen County NJ.