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 While portions of the Affordable Care Act have been repealed, the tax fine is still a factor to consider in 2018.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.

Bergen County Insurance, Coverage for Roofing Contractors

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Bergen County Insurance, Coverage for Roofing Contractors

Bergen County Insurance
Bogle Agency Insurance, Bergen County insurance coverage for home & business

Bergen County Insurance exists to cover individuals and businesses when casualties and unforeseen events occur. Roofing contractors are a prime example of a company benefiting from insurance. Roofing companies need quality coverage.  This protects liability with a product once installed, as well as any associated damage or defects. Having the right coverage is imperative.  Your NJ insurance agent will help you make sure your policy is comprehensive.

Roofing contractors in Bergen County can rest easy knowing their needs are met by Bogle Agency Insurance. Roofing issues that occur can trickle down to other aspects of a home, including the foundation. When issues go this far it is not only a big deal for a homeowner but for the roofing contractor as well. No roofing company wants to be caught without a Bergen County insurance policy in this event. A roof is an essential asset for any home.  When a roof replacement is fraught with issues a homeowner will react. If you own a roofing company in Bergen County NJ you need the right insurance coverage.

Bogle Agency Insurance will not only match your company with the right insurance package but also be there for you in the event a claim needs to be filed. What should you expect your policy to cover? Leaking, injuries, and issues related to design of the roof for starters. Protecting yourself, your company, and your employees is essential to running your Bergen County business.

Contact Bogle Agency Insurance TODAY

Contact our team at Bogle Agency Insurance today to learn more about Bergen County commercial insurance policies that will protect your roofing company. We welcome the opportunity to sit down and explain your options and determine the coverage that will keep your company safe. Let our knowledge and experience serve as your guide to Bergen County insurance, making sure you understand your coverage completely.

New Jersey Homeowners Insurance, Named Perils

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Homeowners Insurance Bergen County | Named Perils

Homeowners Insurance Bergen County | Named Perils | Bogle Agency Insurance
Bogle Insurance Agency, your choice for homeowners insurance

Knowing what the named perils are is an important part of understanding your New Jersey homeowners insurance. Peril is the name given by insurance companies to represent what is covered in a policy. Named perils is a term given to issues covered by a policy. This is important to recognize as many homeowners purchase additional policies to cover those perils not included in the standard policy. Your Bergen County insurance agent will walk you through what is included on your policy and what is not.

Common named perils include weather related incidents as well as theft.  A good example of what is not included as a named peril is damage as the result of a flood or an earthquake.  These incidents require additional policies.

Typical named perils include damages as a result of:

  • Fire
  • Lightning
  • Wind
  • Hail
  • Snow
  • Ice
  • Explosion
  • Vehicles
  • Smoke Damage
  • Theft
  • Vandalism
  • Aircraft
  • Civil Unrest

To many these issues seem unlikely but it is important to be prepared for anything and everything. Your Bergen County homeowners insurance policy will cover the standard claim issues that arise with a host of weather and human related issues not to mention water damage occurring from major plumbing issues like burst pipes or a cracked water heater. These named perils should be considered when weighing your coverage and help you determine any additional coverage that may be needed.

Call Bogle Agency Insurance Today

The Bogle Agency wants homeowners in Bergen County to feel comfortable with their homeowners insurance coverage. Our insurance agents are well versed in common policy overages as well as additional available policies. We are here to answer all of your questions and help you with your concerns. Contact our team today and let us help you understand what coverage you need in your homeowners insurance policy. Let Bogle Agency Insurance serve as your guide to New Jersey homeowners insurance.