Home Insurance in New Jersey

In New Jersey, owning a home is an accomplishment most people cherish. Whether you've had your home custom-built or if you bought it from someone else, it's crucial to protect it with the proper coverage. We all know home insurance is important and finding the right agency is the first step. BCA Insurance Group in Marlton or Northfield, NJ can guide you through the process of finding reliable coverage for your home.

Structural and Property Damage Coverage

When people think about homeowner's insurance, they're usually focused on the house itself. However, many people have other outdoor structures such as sheds, a garage, outbuildings, or poll buildings. New Jersey homeowner's coverage should extend to all of the structures on your property. Even things like fencing or elaborate landscaping are covered under standard coverage. Of course, all insurance companies have specific exclusions, so you will need to ask your insurance agent to review the exclusions with you.

Additional Living Expense

If a worst-case scenario happens and your home is damaged to the point that it's not livable, you will need an insurance policy that pays for your living costs while it's being repaired. This is referred to as New Jersey's "Additional Living Expense." Your insurance policy will pay up to a certain amount for you to stay at a hotel if the damage falls under a covered peril.

Personal Belongings

If the contents of your home are damaged or stolen, your insurance coverage can come to the rescue. The important thing to do is document what you own before any losses occur. Write down and take pictures of your valuables, furniture, and other household items that you feel are worth insuring. Discuss options with your insurance agent if you have costly items.

Make sure your home is protected with the right insurance by visiting the BCA Insurance Group in Malrton or Northfield, NJ. We offer excellent service, comprehensive coverage, and knowledgeable staff. Check our website for our online rating tool to get a quote.