Are you a student about to head to college? You probably already know there are many excellent universities in New Jersey. Life insurance may be the last thing on your mind when you think about college, but it could be an excellent safety net to make sure student loans do not become a burden for your loved ones.

The type of insurance many people are familiar with is whole-life coverage, which covers your entire life from the time you purchase the policy until your death, providing the policy is kept going. There are other options available and term-life insurance may sometimes be a suitable option for younger people in their 20s or 30s who are unmarried and do not have kids. The insurance may be purchased to cover just the years that you could be paying off your student loans. Therefore, if you were to die unexpectedly, the insurance payout could help your beneficiary pay for any outstanding debts. However, once the term of your policy has expired, the benefits are no longer available.

Term-life insurance can be an excellent starter policy and in some cases may be able to be upgraded into a whole-life policy at the end of the term. New Jersey life insurance rates for term policies are generally a lot lower when you are very young and healthy. Contact an experienced agent to learn more about life insurance.  

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When an injury occurs on the premises of your business, it could be a very stressful situation, even if you have NJ liability insurance to cover the costs. Injuries could lead to lawsuits, which could easily bankrupt your business. You may be able to lessen the risk of injury by applying the tips below.

•Try implementing a prevention program aimed at training workers to spot safety risks and potential liability claims. Look for ways to learn from past incidents to avoid repeating them.
•Do you stock items on high shelves? Place plenty of signage urging customers to get an employee to help them get these items down. 
•Look for potential dangers in your office, with an eye toward high-traffic areas. For example, frayed or old carpet might cause a guest to trip.
•Clear any faulty or exposed wires as soon as they are noticed. Do not place wires across the floor or under carpets.
•Signage is a business owner’s friend. Create signs to warn against potential dangers, even obvious ones. Make sure the letters are large enough to be read at a distance.

With the above tips, you may be able to prevent a dangerous incident before it occurs. Avoiding even the smallest of injuries could make a serious difference in the price of your NJ liability insurance, as fewer claims often means lower premiums. Call us for more information. 

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When you are considering ways to help make sure that your family is protected against financial burden when death inevitably arrives, New Jersey life insurance plans are a good place to begin. In addition to helping ensure your family may always have a home, you could also be building your net worth.

Adults need to consider how best to help secure a good future for their growing families. When you have young children, your life insurance strategy should be designed so that the proceeds would take care of the house payments, college costs, and basic living expenses until your kids have graduated. A little research could help you compare term life insurance and whole life insurance policies. While term life is cheaper, whole life plans could accrue cash value and may sometimes be used as collateral if you want to borrow money. 

Major accidents could happen in the workplace, at home, or on the road. Even when you try to be as vigilant as possible, this does not mean that you are invincible. There is no reason that your loved ones should have to shoulder the financial burden if something should happen to you unexpectedly. Once you understand the New Jersey life insurance premiums and benefits that are involved, selecting the best policy to ensure the future financial security of those you love may be easier. 

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Many of life’s events happen unexpectedly. As soon as you plan to take a vacation, it may seem some new obstacle presents itself, forcing you to change plans. These little inconveniences may get you to start wondering how family plans would change if something happened to you. How would your family hold up without your income? Putting money away for such an event takes away from your working capital, of which many people could not afford to lose a dime. To cover the funeral arrangements and debts you leave behind, consider instead purchasing New Jersey life insurance. 

A life insurance policy is designed to provide monetary compensation to a person you specify as your beneficiary after your death. This insurance relieves the burden of someone having to cover the burial, medical costs, mortgage payments, and other expenses.

Having coverage may also allow your family to have a better future. The money could go towards an early retirement for your spouse. Many people decide to get enough coverage to send their children to college. How much you need depends entirely on what events you want to pay for.

While term life insurance policies are generally less expensive, several other insurance products are available and may be customized to ensure that your family is taken care of exactly the way you choose. Consider purchasing a New Jersey life insurance policy now to provide financial help to your loved ones after you are no longer able to. Call us if you require more information about life insurance.  
 

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While life expectancies are rising all over the world, it is still important to keep your family financially protected against your sudden demise, especially in more expensive states like New Jersey. Life insurance is not a pleasant topic, but the coverage may help give you peace of mind, and could reassure you that your family will be provided for in the event of your death. The following tips may help you choose the best coverage for you and your loved ones.

The amount of coverage you need varies greatly on your life needs. Life insurance can help cover things such as college expenses for your children, so if you have children who are younger, these costs should be considered. In a case where children are older, coverage may not need to be as high. 

Consider also, the costs associated with your death, such as funeral and burial expenses, and additional post-death costs such as mortgage and other bills.

With costs of living at relatively high rates, New Jersey life insurance is particularly necessary to make sure your family can continue a comfortable state of living in the event of your death. Contact an agent today to learn more about life insurance options.

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Isn’t being your own boss great? Owning your own business may be your greatest achievement, but without sufficient insurance, you could be at risk of losing everything you have worked so hard for. There are three basic types of NJ liability insurance your business needs for its assets to be properly protected.

General liability, sometimes called “slip-and-fall” insurance, may be the most well-known type of liability insurance. This coverage is designed to pay for the costs related to a third party being injured on your property. Not only does this kind of liability cover medical bills, but it could also pay for the court expenses should a lawsuit be filed against your business.

With product liability, you can be compensated for monetary losses due to malfunctioning or dangerous products. This type of coverage is not just for businesses that manufacture goods, but also those that sell and distribute them. How much coverage do you need? This depends on how high a risk you have of running into this kind of liability issue and how serious the type of injury that could occur.

Errors and omissions insurance, also known as “professional liability”, was created to protect business assets against claims of malpractice and negligence. This is common with medical professionals as well as lawyers. Many business owners could benefit from having this coverage, especially those that offer a service, such as personal trainers.

Is your business lacking in NJ liability insurance? Do not go one more day without the proper coverage. Contact an agent now to discuss the type of liability coverage most suitable for your enterprise. 

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Are you considering installing gas fueled appliances in your home? Gas is an efficient form of energy, making gas fueled appliances more economical to run than electrical appliances. Look for labels displaying high Energy Star ratings if you want to be sure of installing the most energy-efficient gas appliances. Any gas appliance should be installed by a licensed, qualified contractor, and it’s important to keep your insurer informed because changing the method of heating in your home may have implications for New Jersey homeowners insurance.

Chefs and keen cooks often prefer to cook with gas because it allows for better control of heating. Unlike electrical hotplates that are slow to respond and difficult to fine-tune, a gas flame responds instantly and can be adjusted precisely. However, the naked flame of a gas stove poses a risk of fire and it’s important for the cook to take extra care to avoid fires and burns. 

Although gas is efficient and controllable it is also volatile and a gas leak in your home has the potential to be extremely dangerous. Static electricity or a flame could set off an explosion, so if you smell gas, don’t try to investigate or diagnose the gas leak problem.  Leave your home immediately, and when you are in a safe location call for assistance. Don’t risk yours or your family’s personal safety: New Jersey home insurance coverage may compensate you for damage to your property but this is little consolation if you have been injured in a fire or explosion.

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Buying a washing machine is a major purchase, and if you are in the market for a new washing machine you’ll be keen to get good value for money. Your old washing machine may have failed and caused a flood in the laundry room and a water damage claim on your New Jersey homeowners insurance, so you’ll be looking to avoid that experience with your new washing machine.

You have probably noticed Energy Star rated front loading washing machines in the appliance showroom, and you may be wondering how an energy efficient washing machine saves energy. While a top loading washing machine rotates clothes and a full tub of water, a front loading washing machine rotates water through clothes at the bottom of the tub. This design difference is the key to most of the efficiency gain.

-Water use is reduced.  Energy efficient front loading washing machines typically use less than 25 gallons of water per load(compared with 40 gallons for a regular washing machine).
-Using less hot water saves on energy consumed in heating water.
-Using less water reduces the amount of laundry detergent used.
-Using less water reduces the amount of effluent that passes into the sewer system.
-Improved motors reduce electricity consumption.
-A final high speed spin cycle removes more water, reducing drying time and reducing energy consumed by the dryer.

Having chosen your new washing machine, prolong its life by maintaining it well. Make regular checks on the hoses of your washing machine to avoid a laundry flood and a claim on New Jersey homeowners insurance.

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Win a $25 Visa Gift Card from the Bogle Agency, just for sharing your story!

Are you ready for Valentine’s Day?  If not, maybe we can help! The Bogle Agency is proud to announce our New Contest, in conjunction with our latest innovative product:  Date Insurance!

At the Bogle Agency, we all like to have fun, and we recognize that Valentine’s Day can have its ups and downs.  It’s expensive to plan a Valentine’s Day date and sometimes, things don’t always go as planned.  The dinner, flowers, car service, chocolates, salon visit costs can add up, and we’d like to offer you a policy to cover those costs, in the event you don’t realize your V-Day dreams.  It’s called Date Insurance, and we offer remarkably affordable coverage for a minimal, one-time premium.

For further information about date insurance, or any other New Jersey insurance need, please call us at 1-877-453-7358, or visit our Virtual Insurance Agency at:  www.bogleagency.com.

To enter our contest, you must send your best Valentine’s Day Date story, good or bad, and submit it via e-mail to:  Bogle Valentine’s Contest.  You must also visit the Bogle Agency Facebook Fan Page and “Like” our page.  We will check!!  We encourage you to share the story and pictures on our page, but it is not a requirement to win. The more information you provide, the better your chance of winning a $25 Visa Gift Card.  And please, do remember that we are a family company!

The esteemed board of Bogle Judges will choose four winners on Monday, February 13^th and announce them on our blog, Facebook Page and Twitter account. We will also be posting the winning “Tales of Love”, so keep it tasteful.  We will closely monitor the submissions and the number of “Likes” each story gets, so encourage friends and family members to view your stories and share them

GOOD LUCK, EVERYONE!

The roof and roof gutters of your home do an important job in keeping out the elements, and roof maintenance and repairs should have a high priority in any home maintenance program. Ask your agent or insurer if you are uncertain what roof repairs are covered by New Jersey homeowners insurance.

There are two roof maintenance jobs that should be undertaken regularly.
•Inspect the roof for damage after extreme weather. Look for damaged roof covering and flashings, leaking gutters and downpipes and have them repaired so that the roof is weatherproof again.
•Clear gutters of leaves and other debris that could cause blockages, overflows and water damage. Fitting leaf guards over the gutters reduces the need to clear gutters frequently.

You must have the right ladders for accessing the roof, and proper equipment for working on the roof and gutters. It’s dangerous to use ladders that are unsuitable for the purpose, and working on the roof without the right equipment can cause further damage to the roof. Many people who are skilled and confident in DIY work around the home prefer not to attempt to inspect or repair a roof because they are uncomfortable working at heights.

Don’t take the risk of working on the roof unless you have the right equipment and are confident when working on a ladder. Hiring a professional roofing contractor to undertake regular inspection, maintenance and repair of your roof and gutters can set your mind at rest, prevent roof leaks and gutter overflows and avoid the drama of water damage claims on New Jersey homeowners insurance.

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