• How to Choose the Right Type of Life Insurance

    Choosing the right type of life insurance can be confusing, but it’s also an important decision. Here are some guidelines that can help you narrow down your best life insurance options. You should consider term life insurance if: You need life insurance for a specific period of time. Term life insurance enables you to match the length of the term policy to the length of the need. For example, if you have young children and want to ensure that there will be funds to pay for their college education, you might buy 20-year term life insurance. Or if you want the insurance to repay a debt that will be paid…

  • Flood Prevention Tips

    Rain and warming temperatures could cause flooding, check out some things every homeowner can do to avoid flood damage, from Roy Spencer, owner of Perma-Seal Basement Systems. Before the Flood All it takes is a few inches of water to cause major damage to your home and its contents. MORE: Flood Resources 1. Shovel/remove the snow away from your foundation and siding. 2. Make sure your sump pump discharge hose is free/clear and not frozen. 3. Check that the battery on your backup pump is charged. 4. Clear your window well drains, sewer drains and any landscaping drains in your yard. 5. Even if you’ve never had water in your basement,…

  • Prevent Frozen Pipes

    When water freezes, it expands. That’s why a can of soda explodes if it’s put into a freezer to chill quickly and forgotten. When water freezes in a pipe, it expands the same way. If it expands enough, the pipe bursts, water escapes and serious damage results. Why Pipes Burst Surprisingly, ice forming in a pipe does not typically cause a break where the ice blockage occurs. It’s not the radial expansion of ice against the wall of the pipe that causes the break. Rather, following a complete ice blockage in a pipe, continued freezing and expansion inside the pipe causes water pressure to increase downstream — between the ice…

  • Weather-weary New Jerseyans are bracing for another round of winter weather

    Weather-weary New Jerseyans are bracing for another round of winter weather. Forecasters say Winter Storm Hercules should hit sometime Thursday and could drop several inches across the state before it exits early Friday. The precipitation is initially expected to be light, but will likely intensify by early Thursday evening. And temperatures should drop into the low single digits by Friday night, with subzero wind chills likely in most areas. Winter storm warnings were issued for northern Jersey, where 6 to 12 inches of snow is expected, while winter storm watches were issues for central and southern areas, which could get 3 to 7 inches. Those advisories will be in effect…

  • Forecasts call for up to 8 inches of snow in N.J. this weekend

    Another disruptive, but not disastrous, winter storm is expected to impact New Jersey this weekend, dropping several inches of snow across parts of the state and hindering travel Saturday, forecasters say. Light snow is expected to overspread the state Saturday morning, picking up in intensity as the day progresses before changing over to a wintry mix or plain rain in some areas, where enough warm air infiltrates the atmosphere. Forecasts call for between two and eight inches of snow in New Jersey by Sunday morning, with the higher amounts expected west of Interstate 287, though the majority of the state should see some fresh powder. Since this morning, the National…

  • Thanksgiving travel delays seem likely as winter storm barrels toward N.J.

    It’s going to be a wet Wednesday in New Jersey. (AccuWeather.com) A deadly winter storm that hammered the West will arrive over New Jersey by Thanksgiving, likely making a cold, wet mess of holiday travel plans before blowing out to sea, forecasters said today. But for the glass-half-full crowd, here’s a grain of decent news: Meteorologists believe most of the state will see only rain and be spared the weather system’s snow-producing potential. That won’t be the story for everywhere, though. For those north of Route 78 — especially in the western portions of the state — snow, ice and sleet are likely in the mix, said Walter Drag, a metrologist…

  • Obama Care: Article 2

    OVERVIEW A non-profit Patient-Centered Outcomes Research Institute is established, independent from government, to undertake comparative effectiveness research.[45] This is charged with examining the “relative health outcomes, clinical effectiveness, and appropriateness” of different medical treatments by evaluating existing studies and conducting its own. Its 19-member board is to include patients, doctors, hospitals, drug makers, device manufacturers, insurers, payers, government officials and health experts. It will not have the power to mandate or even endorse coverage rules or reimbursement for any particular treatment. Medicare may take the Institute’s research into account when deciding what procedures it will cover, so long as the new research is not the sole justification and the agency…

  • Obama Care: Article 1

    The Patient Protection and Affordable Care Act (PPACA, commonly called Obamacare (or the federal health care law), is a United States federal statute signed into law by President Barack Obama on March 23, 2010. Together with the Health Care and Education Reconciliation Act, it represents the most significant regulatory overhaul of the U.S. healthcare system since the passage of Medicare and Medicaid in 1965. PPACA is aimed primarily at decreasing the number of uninsured Americans and reducing the overall costs of health care. It provides a number of mechanisms—including mandates, subsidies, and tax credits—to employers and individuals in order to increase the coverage rate. Additional reforms are aimed at improving…

  • Hurricane Sandy

    We hope everyone is safe and sound after Hurricane Sandy ripped through our state last night! Our agency is open and available to process any claims you might have. Let us facilitate. 732.246.1330

  • October – Insurance Awareness Month

    Your most important asset is not your home, your car, your jewelry or other possessions. It’s your ability to earn a living. Think about it: All of your plans for the future—from buying a home, to putting your kids through college, to building a retirement nest egg—are based on the assumption you’ll continue to earn a paycheck until you retire. But what would happen if those paychecks stopped? That’s where disability insurance comes in. It provides an income to you and your family if you are unable to work because of illness or injury. Though disability is behind a significant number of home foreclosures and personal bankruptcies, insuring against it…