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

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.

Lyndhurst NJ Umbrella Insurance

Personal Umbrella Insurance

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.

Staying Safe In Ice And Snow

Bergen County NJ Homeowners Insurance | Bogle Agency Insurance Lyndhurst, NJ


Bergen County NJ Homeowners Insurance | Winter Weather SafetyThere is no weather condition that stresses the need for good Bergen County NJ homeowners insurance coverage more than icy and snowy weather. From keeping your walkways clear to driving as safely as possible, there are many steps that can be taken ahead of time to prepare for the elements to avoid disaster or inconvenience this New Jersey winter.  Inclement winter weather conditions add hazards to our daily lives that in turn have the potential to create liability issues for homeowners, renters, and drivers. Protection is essential and evaluating your insurance coverage should be a priority. The Bogle Agency offers Bergen County NJ homeowners insurance options out of our offices in Lyndhurst NJ to ensure you are covered for a myriad of circumstances.

Items on your must-do winter checklist include:

  • clear icicles
  • shovel walkways around your home, including the driveway
  • keep all stairs free of ice and snow
  • have sand, cinders, or ice melt available to sprinkle on icy areas
  • keep doors to your home and garage doors closed to avoid excess cold entering your home and freezing pipes
  • have snow tires on your vehicles
  • have an ice scraper, a blanket, and a shovel in each vehicle you own
  • make sure the defroster and heat work in your car
  • check your insurance coverage

Throughout the winter season it should be a priority to keep walkways clear of snow and ice. Preventing the possibility of someone slipping and falling in front of your house or on your property is important. In the event slips and falls do occur knowing you are backed up by a good homeowners insurance policy can relieve the stress and worry of liability.

Sit down with your Bergen County New Jersey insurance agent today to discuss your coverage and how unforeseen incidents on your property can affect it. If you have questions or concerns about your Bergen County NJ homeowners insurance policy or any of your policies, please give us a call today. Our goal is to help you understand the coverage you need and making sure you have the coverage necessary for unforeseen occurrences. Let us help you enjoy a stress-free winter season.