Jackson Township, NJ Homeowners Insurance
If you are planning to buy a home, your first to-do item should be to get homeowners insurance. It’s one of the most essential pieces of protection you can invest in for your property and personal security. Though insurance itself won’t protect your home from damaging accidents, it will ensure that you have the financial resources to guide you through your recovery when hazards occur.
Homeowners insurance must be customized to the individual property owner, but you shouldn’t have to worry about going on your search for coverage alone. With the help of I & E Insurance Agency, you’ll be able to pinpoint the policy that is best for you. Our goal is to earn your trust when making some of the most important financial decisions of your life.
Call us at 732-295-5584 or click here to request your free homeowners insurance quote now!
Common Home Insurance Questions
Why buy home insurance?
What would you do if something damaged your home? Could you afford the recovery costs? Would you even be able to rebuild?
If you have homeowners insurance, then you won’t have to worry about how you’ll answer these questions. Your policy will be there to help you cover the costs of unexpected, unavoidable accidents in your home and can save you from a lot of out-of-pocket losses in the end.
How many types of homeowners insurance policies are there?
Homeowners policies must be customized to meet the needs of the individual occupant. There are eight primary types of coverage, each designed to offer different benefits:
HO-1 - Basic Form Coverage
HO-2 - Broad Form Coverage
HO-3 - Special Form Coverage (Similar to an HO-2, but with more expansive benefits.)
HO-4 - Renters Insurance
HO-5 - Comprehensive Form Coverage (The most expansive benefits on the market.)
HO-6 - Condo Insurance
HO-7 - Mobile Home Insurance
HO-8 - Modified Coverage Form (For non-standard, older or high-risk homes.)
Ask one of our agents which benefits are best for you.
What does home insurance cover?
Homeowners policies offer several different benefits, usually including:
Structure protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.
Detached structures coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage.
Possessions insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.
Liability coverage: If you accidentally harm someone else or damage their property, you use this coverage to repay them. Coverage will often pay for incidents both on and off your property.
To make your policy more specific, you might also need supplementary coverage such as:
Please note, certain claims will not have coverage, including flood damage. You must purchase flood insurance separate from your homeowners policy. Click here to learn more.
When is homeowners insurance required?
Most mortgage lenders require prospective home buyers to purchase home insurance before they can be approved for a loan. You will also be required to maintain coverage for the duration of your mortgage. Of course, you should always have coverage regardless of any policy requirement, and we will ensure you get it affordably.
How much homeowners insurance should I have?
Every homeowner needs their insurance benefits to be unique, and they want to receive as much assistance as possible for a qualifying claim.
Our agents are the experts who know the appropriate ways to tailor every policy to the needs of the consumer. Just put your trust in us, and we will make sure that you always get the perfect coverage solutions.
When should I purchase homeowners insurance?
The best option is to start shopping for homeowners insurance as soon as you sign a contract to buy a home. This allows you to compare and analyze your plan options and gives you time to get your policy in place before closing on the purchase. Typically, you will have a month or more between the time you sign a contract and the day you close on your new home.