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Most Popular Coverages in New Jersey

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Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, it's covered by a suitable homeowners insurance policy in New Jersey. Home insurance will pay for repairs to the home and replacement of belongings, pay for someone else's injuries on the property when it's the homeowner's fault, and may pay for temporary living expenses if the home is so badly damaged that it's uninhabitable. 

On average, New Jersey drivers pay more than most other drivers around the nation. Americans pay an average of $1,474 per year for their auto insurance, while New Jersey drivers pay on average of about $1,905 per year. The best rate can be found by comparing quotes from a variety of insurance companies.

Businesses that don't have adequate business insurance, will have to pay any claims out of pocket. They'll have to use their business's revenue to cover the cost of property damage, workplace injuries, and liability lawsuits. In New Jersey, 40% of small businesses are likely to experience a property or general liability claim in the next 10 years.

All New Jersey employers are required by law to have worker's compensation coverage or be approved to self-insure, regardless of the number of employees. Like many other states, New Jersey’s workman's compensation program is designed to protect employees if they are injured or have an accident on the job, while also shielding businesses from expensive employee lawsuits. It’s a no-fault program, which means that an injured employee will receive benefits regardless of who was at fault for the accident or injury. 

It depends on the type of restaurant and a few other factors, such as whether the restaurant has employees, offers delivery services, operates a drive-thru, or serves liquor. However, a typical range for coverage starts on the low end at about $10,000/year for a smaller establishment with fewer employees, and hits the high end of more than $100,000/year for a much larger restaurant, like a chain. A restaurant insurance policy is typically the cheapest and easiest way to go. This package offers most of the needed liability and property coverage, and additional specific coverages can be added if needed.

In most cases, a personal auto insurance policy is not sufficient to protect a business owner, their drivers, their vehicles, and others who on the road for work-related activity. The good news is, a commercial auto policy in New Jersey can make sure that vehicles used for business purposes are totally covered. The primary risks faced without commercial vehicle protection include liability lawsuits, uninsured vehicle damage, and penalties from law enforcement. Every state in the country requires commercial vehicles to be insured with specialized commercial auto insurance. It's best to compare a number of quotes from different companies before choosing a policy.

It depends. An older inn near the coast might pay around $5,000/year. But a fancy high-rise hotel just a few miles away might pay as much as $1,000,000/year. To make things even more interesting, if these same two hotels were located just 10 miles further inland, their premiums might drop by half. In another state altogether, further away from the coast, the small one might pay $1,200/year, while the big one might pay $150,000/year.

Insurance policies such as auto, homeowners and motorcycle insurance include monetary maximum amounts for liability coverage. A policyholder could be sued because of an accident they cause, or negligence, and ordered to pay a settlement or legal judgment to the injured party. This is where an umbrella policy kicks in to pay any added expenses above and beyond the policy limits of existing insurance coverage. 

Renters insurance is not required by law in any state. However, a landlord can require that a tenant carry some form of renters insurance in New Jersey, such as liability and/or personal possessions coverage, when a lease agreement is signed. Even if a landlord doesn't require renters insurance, it is a good idea to carry a renters policy for financial protection. A landlord is not obligated to reimburse a tenant for most cases of fire, burglary, and litigation related to an accident in rented housing, unless it is due to a structural problem like faulty wiring or rotten flooring. Any losses due to theft, broken pipes, severe weather, or other disasters are typically the tenant's financial responsibility.

Life insurance is all about preparing for the unexpected. It is important for everyone to think about how their dependents would fare if they  were to meet an untimely demise. If they are married, they may want enough coverage so their spouse can afford to keep the family home. If they are a parent, they are likely to want to ensure that their children are well cared for and that they have many of the opportunities they might otherwise need to forgo due to lack of funds.

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