Homeowners Insurance Agency | Bogle Agency Insurance Bergen County NJ


Your home is so much more than the place you hang your hat. It’s the place you andBergen County NJ Homeowners Insurance from Bogle Agency your family feel safe from the worries of the world. Lyndhurst, NJ-based Bogle Agency Insurance understands the way you feel about your home and we want to protect that feeling with Homeowners Insurance coverage options in Bergen County, NJ and beyond. While we can’t prevent bad things from happening, we can help you get your home back to normal in the aftermath of disasters that come your way. We can do it by offering you the very best in Bergen County NJ homeowners insurance and first time home buyer insurance options.

Insurance for NJ Homeowners | Is it Really Necessary?

homeowners insurance policy bergen county nj

If you have a mortgage on your NJ home, then homeowners insurance is generally required as part of the mortgage contract. However, even if you’re not required to purchase homeowners insurance, it’s still a wise investment to make if you prioritize avoiding the large cost issues that can come with a home.

A good insurance policy provides protection for your home on multiple fronts. These are just a few of the ways your homeowner’s policy may protect your home:

  • Repairs for damage to the home itself
  • Costs of replacing your possessions (up to coverage limit)
  • Living expenses if your home is uninhabitable as a result of a covered disaster
  • Liability coverage in the event someone is injured on your property

In addition to standard insurance coverage, though you have the option of purchasing additional insurance policies for homeowners, such as the following:

  • Valuable items coverage (for high value possessions like antiques, furs, jewelry, carpets, artwork, or electronics that go above standard coverage limits)
  • Flood insurance
  • Umbrella liability coverage
  • Animal liability insurance
  • Earthquake insurance

What Types of Damage Does NJ Homeowners Insurance Cover?

The specific events or disasters your home insurance policy covers will vary from one policy to the next. Just as no two families are identical, the insurance needs of each household is unique. This means that your home insurance needs are likely to be somewhat different than those of your neighbors.

However, many policies have a fairly standard set of events that are covered as a rule of thumb. You can purchase additional coverage, such as the types of coverage mentioned above, in order to fill in any coverage gaps you may be concerned about. Most policies, though, will cover damage to your home or possessions from the following events:

    • Fire
    • Lightning
    • Theft
    • Wind
    • Rain
    • Hail
    • Frozen plumbing

The important thing to explore for many homeowners is what standard insurance policies do not cover. Homeowner’s insurance is limited in coverage to the specific policies purchased. For instance, flood insurance is not included in the standard homeowner’s insurance policy. You must purchase flood insurance as a separate policy from the National Flood Insurance Program. There are other things your home insurance policy will not cover including:

Bogle Agency Insurance has served the homeowners insurance needs of New Jersey families since 1919. For over 100 years we have taken great pride in offering professional, friendly, and responsible insurance advice and protection to the people who call New Jersey home.

Do you have questions about your home insurance coverage or first time home buyer insurance? Don’t hope you have the right kind of coverage for whatever disasters come your way. Call Bogle Agency Insurance in Lyndhurst Bergen County NJ at (201) 939-1076 today to discuss your situation with one our helpful agents. The peace of mind that comes with knowing your home insurance needs are covered is truly priceless.

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