Buying extra motorcycle insurance might not be the first item on your today list in Chester, NJ, but it can help to reexamine your policy from time to time. The Insurance Outfit wants you to know when it’s time to get a little more coverage. 

When Your Habits Change 

If you used to live somewhere with a garage, your level of risk goes up if you move somewhere that doesn’t have one. If you’ve started using motorcycle more because you’ve gotten rid of your primary vehicle, then this is also something that will increase your risk. You need to let your insurance carrier know when these things occur, so they can help you assess the changes and update your policy. 

When You’re Visiting the Aftermarket More

Aftermarket parts can transform your motorcycle into everything that you’ve ever wanted it to be. But all those changes add up over time, and an insurance carrier might not cover those parts of you haven’t told them about it.

When You Want to Feel Safer 

A motorcycle might be a straight path to freedom, but it’s also not nearly as practical as a four-sided vehicle. If you want all your ducks in a row, you need a policy that’s going to be there for you through thick and thin in Chester, NJ. There are just too many unknowns on the roads in New Jersey and beyond to take that chance. 

If you want to know more about you can get a policy that is tailor-made to the way you live your life, The Insurance Outfit is here to be of service. We want all motorcycle owners in Chester to have someone to call upon should the worst occur, so give us a call today to learn more about our coverage options. 

The Chester, NJ area is a great place for anyone to live. This has reasonable proximity to several large cities but also offers many local amenities. For those that live in the Chester area, having access to a variety of different waterways is a huge advantage. If you do choose to purchase a boat in this area to take advantage of all the recreational options, you should get boat insurance. There are several forms of coverage that are included with a boat insurance policy.

Liability Coverage

If you are going to get a boat insurance policy, one valuable form of coverage will be your liability protection. If you choose to buy a boat, you will want to make sure that you are covered if you happen to cause an accident. With a boat insurance policy, you will receive the liability protection and coverage you need to provide you with coverage and peace of mind. 

Coverage for Boat

Another benefit of getting boat insurance is that you will get coverage for your boat. A boat can be a rather large purchase and investment and you will want to ensure that it is as well covered as possible. With a full collision and comprehensive policy, you will be protected against a variety of risks including theft or accident damage. Any boat lender will require you to carry this as well. 

When you are looking for a boat or boat insurance in Chester, NJ you should make sure that you speak with someone that you can trust. The team at The Insurance Outfit is a great resource for all of your boat insurance needs. When you work with The Insurance Outfit, you can be assured that your questions will be answered and that you will get into a quality policy. 

Owning a business is definitely a freeing and exciting enterprise for most people. However, what many entrepreneurs don’t realize is that a lot of their small business risk and liability has the potential to carry over into their personal financial lives. That’s why having an umbrella policy from the Insurance Outfit is so important. Keep reading to learn more.

Owning a Small Business in New Jersey Leaves You Open to Risk

Whether you own a restaurant, store, or something else in Chester, NJ, you’ll want to consider the liability risk you routinely have. In some cases, this might mean a customer slipping and falling at your location and suing for injuries. Or it could be a delivery person becoming injured while at your office. There are numerous scenarios that could happen and all of them when you least expect.

An umbrella policy works like a so-called umbrella of liability over your existing policies. If your business coverage runs out and you’re faced with a lawsuit, the opposing counsel is likely to start going after your personal policies or assets. If you have an umbrella policy, you can rest assured that you’ll have more than enough coverage to handle the incident without ever dipping further into your personal bank account.

It All Comes Down to Extra Peace of Mind for Your Family

Having an umbrella policy as a small business owner all comes down to one thing: extra peace of mind for your family. If your business is ever sued or the commercial policies you have turn out to not be enough, an umbrella policy can help keep your family protected from a ruinous lawsuit or other circumstance. 

Are you ready to discuss umbrella insurance options in Chester, NJ? Please contact our team at The Insurance Outfit today for more details.

As a parent, you know that your love for your children doesn’t cease as they age. Whether your child is still young, a teenager approaching adulthood, or they are already an adult with their own life, you care about their health and wellbeing. At The Insurance Outfit in Chester, NJ, we help parents across North Jersey find the health insurance solutions that work best for their family. Here’s what every parent should know when it comes to keeping their adult children on their health policy ("child" is used here to refer to the parent’s offspring regardless of age). 

Age 26 is the Cutoff

Thanks to Federal law changes enacted in 2010, parents can keep children on their health plans until the children turn 26 years old. This is the rule regardless of whether the child is married, attending school, no longer living at the same residence as their parents or no longer a dependent. Children under age 26 are also eligible even if they are also eligible for health coverage via their employer.

Now, your child’s coverage under your insurance will not immediately drop the second they turn 26. Instead, they are automatically granted a special enrollment period during which they will have time to enroll in a new health plan. The exact timeframe given for this actually depends on the plan itself and generally ranges between 30 and 120 days.

Coverage Can Be Continued (in Some Cases)

COBRA plans allow for children to extend coverage on their parent’s plan for an additional 36 months, although the terms and costs will change. New Jersey also has DU31, a law that allows eligible children to elect to remain covered on their parent’s health policy until age 31 in some cases. However, this coverage automatically ends if the child marries, becomes a parent, or moves outside of New Jersey (while not a full-time student). 

We Can Help Get Your Adult Child Covered!

Don’t wait if your child needs insurance coverage. No matter how old they are, our experienced professionals at The Insurance Outfit can provide options. Contact our Chester, NJ office today!

When you think of disability in Chester, NJ, the specifics of the word might not be clearly defined. This is because the word will mean different things for different people. You might think that health insurance is at the heart of disability, but the truth is a little more complicated than just having health insurance or Medicaid and calling it a day. The Insurance Outfit wants you to know more about who should have this type of insurance. 

The Nature of Disability & Long Term Care Insurance

This insurance policy is essentially available if you have a long-term condition that requires more than just medical treatments. If you can’t work, you’re going to need a way to pay for the rest of your expenses, which can be difficult during what is already a stressful time. Disability and long term care insurance is there to pick up the incidental costs of the illness, a safety net that can be invaluable toward helping you overcome your diagnosis. 

Who Should Have It?

Most people think that disability and long term care insurance is meant for older people, and there is some truth to this. However, from cancer to genetic diseases, there are a number of conditions that can occur to people of any age. It’s ultimately up to each person, but it might help to discuss the matter with a doctor or insurance agent to find out more about whether the policy is right for you. 

The people of Chester, NJ deserve to have the resources they need to deal with whatever happens to come their way. If you have questions about how a policy will function in case you need it, call The Insurance Outfit to learn more about the terms and conditions. 

Whole Life/Permanent Life Insurance

Whole life insurance never expires so as long as the policyholder continues to pay the premium it will remain in effect. One benefit of whole life insurance is that it offers a guaranteed return on the cash value of the policy which allows the policyholder to borrow against the policy if needed. However, if you do not repay the loan or the amount borrowed than the death benefit is reduced by that amount. 

Term Life Insurance

Often considered the simplest type of life insurance, the only choice you have to make with this policy is what amount you want and how long you want the coverage to last. For instance, if you purchase a $1 million policy and select the term of coverage as 20 years, then your policy is effective from the date you sign till 20 years in the future which means that you could outlive your policy making it necessary to purchase additional coverage. 

Universal Life Insurance

Guaranteed universal life insurance is typically less expensive than whole life; however, it is unlikely to have any cash value, and failure to make timely payments can result in forfeiture of the policy. As long as payments are made on time, the policy does not expire and the death benefit is paid to the beneficiary. 

Selecting a life insurance policy may sound like a morbid idea, but providing financial stability to your loved one in the event of your death is imperative. With so many options for life insurance, it can be a bit confusing to know what policy is best for you. At The Insurance Outfit in Chester, NJ, our friendly and knowledgeable team of insurance professionals are happy to take as much time as needed to answer all your questions and find the perfect policy for you. 

It’s not entirely uncommon for residents of Chester, NJ, to own a few valuable items. Jewelry is something humans have appreciated for eons. Because of that, it can be devastating when something happens to your jewelry, and that’s exactly why you want to have it insured. The Insurance Outfit offers jewelry insurance, but before you buy it, you should probably know about which kinds of insurance actually cover precious items.

Homeowner’s Insurance

Typically speaking, a homeowner’s policy will afford some coverage to valuables in the home, and that can include jewelry. It’s important to understand that the exact nature and limits of this coverage will depend on the specifics of the plan. A typical jewelry coverage in such a plan will be around $1,500 for theft and less than $5,000 for damage. 

Renter’s Insurance

Renter’s insurance offers similar coverage to what you see in homeowner’s insurance policies. In this regard, the policies are designed with the same intent. The main difference with renter’s insurance is that the coverage limits will be based on the amount you choose to insure your property. If the policy is for $20,000 of coverage, it will typically have a lower maximum for jewelry than a policy for $100,000 of coverage.

Jewelry Insurance

As the name implies, jewelry insurance is a specific policy designed to protect your precious items. As always, the details of any plan will vary, but the gist is that jewelry insurance will more precisely match the value of your jewelry. Plans can be designed to repair or replace the jewelry, and the items can be insured for actual cash value or replacement cost. Which is best depends on your circumstances.

Overall, jewelry insurance is the best way to be sure your valuables are properly covered. If you want to review the options available in Chester, NJ, have a chat with The Insurance Outfit. One of our reps can help you browse policies and find something that gives you the protection you need.

What better way to get to know New Jersey than from the safety and comfort of your RV? For stress free travels, visit The Insurance Outfit for RV insurance before you hit the road. Here’s what you should know about RV insurance in the Garden State. 

Required Coverage

Like most states, New Jersey requires that drivers have RV liability insurance. Liability is the coverage that pays for others’ injuries and property damage in accidents that are your fault.  RV collisions can cause a lot of damage. Your coverage should be enough to protect your assets against serious accidents you may cause.

Optional Coverage

In addition to liability, you can purchase additional coverage to protect your RV against theft and damage. This protection comes in the form of collision, comprehensive, and uninsured motorist (UM) coverage.

Collision coverage protects you against crashes. Comprehensive covers vehicle theft and damage caused by non-collision causes such as vandalism or inclement weather. UM coverage protects you against hit and run accidents and uninsured drivers.

Specialized RV coverage in Chester, NJ

RV drivers often face different hazards than auto drivers, especially during long-distance travel. The following specialized RV coverage is designed to protect you against these hazards.  

• Total Replacement Cost – covers the cost of replacing your RV if it’s a total loss after an accident
• Vacation Liability Coverage – pays for accidental injuries to people visiting your RV or campsite during your travels
• Emergency Expense Coverage – helps pay for your hotel bills and meals while your RV is being repaired after a breakdown or accident
• Personal Effects Protection – covers personal effects in your RV during your travels

The best RV coverage in Chester, NJ is that which protects you, others, and your costly RV against hazards at home and on the road. Contact The Insurance Outfit today for the RV policy you need.