Home Insurance

No matter where you reside in New Jersey, your home is worth guarding throughout the seasons. While home insurance is not mandatory in New Jersey, it's a wise decision to procure one to safeguard your home, family, and your belongings. Standard homeowners' insurance cushions you against unexpected perils, including:

• Fire and smoke
• Frozen plumbing
• Windstorm and hailstorm
• Theft and vandalism
• Lightning

If you own an apartment in New Jersey, safeguarding your personal property can salvage your thousands of dollars in terms of costly repairs and imminent losses. Home insurance is designed to protect your dwelling by providing financial reimbursement to the homeowner in the event of a calamity up to your policy's limit. Costa Do Sol Agency Inc. understands New Jersey homeowners' needs and offers customized quotes on home insurance based on their situation.

Types of home insurance coverages.

• Dwelling coverage: It safeguards the structure of your dwelling, including walls, in-built appliances, and plumbing systems, from imminent calamities like fire, vandalism, lighting, theft, and other perils.
• Content coverage: It guards your personal belongings like clothing, sports equipment, and electronics from certain disasters. It pays for loss or damage to your assets up to your policy's limit.
• Other structures coverage: It protects the physical structures detached from your homes, such as a detached garage, swimming pool, and gazebo.
• Personal liability coverage: This coverage caters for property damage, bodily injury, and legal fees if someone sues you for injuries sustained while on your premises.

Most standard home insurance coverages don't cover floods and earthquakes. That said, it's good to double-check with your agent if you need to purchase separate policies. Additionally, you should purchase umbrella insurance as additional protection when your home insurance liability coverage runs out.

Home insurance in New Jersey

Do you need more information on home insurance? Are you looking to buy or renew home insurance? Contact us today or visit our Costa Do Sol Agency Inc. offices located in New Jersey. We offer numerous home insurance options to provide you peace of mind no matter where you reside.