One of the great ways to enjoy summertime in Chester, NJ is to go for an excursion. RVs or recreational vehicles are mobile homes that allow us to enjoy the outdoors without giving up some of the comforts of being at home. RVs come with many modern amenities, and some can even be luxurious. They can either be self-propelled or can be towed. They also differ immensely in size, with some being as spacious as a small house.

Regarding RV excursions, you must ensure your recreational vehicle is safe and fully insured for any eventualities. Here are some valuable tips to help you prepare better for your next excursion.

Check The Electricals

Depending on how your RV is configured, you need to check the batteries, the electrical systems, and the cabling. Since RVs tend to be unused for long periods, some of these components may get damaged and malfunction when you set off on your trip. This check-up should also include an inspection of the engine (if self-propelled) and the generator that supplies power to the appliances.

Check Water System And Plumbing

Most RVs come with a water system to enable the safe operation of sinks, toilets, etc. These are also susceptible to damage. The last thing you want on your road trip is a leaky toilet or malfunctioning sinks. Have these inspected by an expert and change any parts that seem worn out. Do not wait for a part to fail, as this may happen when you are in the middle of your trip.

Check Licenses And Insurance

Despite all of our safeguards, something could still go wrong. This is where RV insurance kicks in. Depending on what kind of policy you take out, RV insurance indemnifies you from damage caused by accidents and other factors. These incidents could damage the RV or hurt others on the road. It is also essential to ensure that your licenses are all up to date.

Get The Right RV Insurance With The Insurance Outfit

Getting RV insurance with the help of the right insurance agent in Chester, NJ can make all the difference. The Insurance Outfit will help you compare quotes from many different insurance companies quickly and conveniently. This allows you to get the perfect RV insurance for your needs. Contact The Insurance Outfit today for a quote if you need reliable RV insurance before your big trip.

You’re getting married! Congrats! Now it’s time to think about your big day’s logistics. One thing you might not have considered is wedding insurance in Chester, NJ.

What is Wedding Insurance?

Weddings are expensive. The average cost of a wedding in the United States is $28,000, according to The Knot’s 2019 Real Weddings Study. And when you’re shelling out that much cash, it’s essential to protect your investment. That’s where wedding insurance comes in.

Wedding insurance is event insurance that can help reimburse you for non-refundable expenses, lost deposits, and other unforeseen problems that could damage your big day.

Do I Need Wedding Insurance?

This is a tricky question to answer because every wedding is different. Some couples have lavish affairs with lots of expensive vendors, while others have more intimate gatherings.

Here are a few things to consider when trying to decide if you need wedding insurance:

• How much are you spending on your wedding?
• Are you using any rental items?
• What is your venue’s refund policy?
• Do you or your vendors have cancelation policies?
• What is your photographer’s policy if they can’t make it to the wedding?

These are just a few questions you should ask yourself when deciding if you need wedding insurance. The Insurance Outfit can help you get the coverage you need to protect your wedding day.

How Much Does Wedding Insurance Cost?

The cost of wedding insurance varies depending on a few factors, including the size of your wedding, where it’s being held, and what type of coverage you need. However, the peace of mind that comes with knowing your big day is protected is priceless.

Your representative at The Insurance Outfit will work with you to find the best coverage for your needs and budget.

When you visit The Insurance Outfit serving Chester, NJ to purchase collector’s vehicle insurance, we want you to understand that it refers to the same type of auto policy as classic car insurance. The policy also extends to kit cars and exotic cars. When you read a reference to exotic car insurance or antique vehicle insurance, it refers to the same type of policy.

How Does Collector’s Vehicle Insurance Differ?

Collector’s vehicle insurance covers the same items as regular auto coverage. Still, it limits the mileage you can drive the vehicle to about one-tenth of the average driver in the US annually. You can drive your collector’s car for 1,200 miles; for the rest of the year, it needs to remain in the garage, protected from perils and the weather.

With this auto coverage, you agree to only drive your vehicle for special occasions such as car shows and parades. If you want to use your collector’s vehicle as an everyday vehicle, you need to insure it with regular auto insurance.

What Qualifies as a Collector’s Vehicle?

When you purchase an exotic like a Lamborghini Countach, you purchase a collector’s vehicle. The same applies if you purchase a classic car, a vehicle at least 20 years old, an antique car, a vehicle at least 45 years old, or a vintage car, a vehicle constructed between 1919 and 1930. Any of these vehicles, including a vehicle you built from an auto kit, qualify as a collector’s vehicle.

Contact The Insurance Outfit

The Insurance Outfit serves Chester, NJ with the collector’s auto insurance its residents need to protect their automotive investments. Contact us today for an auto policy that protects your collector’s auto.

Tooling around Chester, NJ, and the surrounding areas on your chopper provides a gorgeous view of the Garden state. It would help if you carried the proper insurance to protect yourself and your investment in your motorcycle.

You probably also purchased your motorcycle insurance from The Insurance Outfit when you purchased your bike. You love your bike, so you obtained full coverage.

Did you know that if you upgraded your bike since that time, you needed to update your motorcycle coverage?

That’s because upgrading your bike increases its value. Your insurance coverage uses the value at which you purchased the bike, though.

Whether you had a custom paint job done or switched the OEM handlebars for aftermarket ones costing much more, you’ve increased the motorcycle’s value, so you need to do the same on your insurance.

The alternative option of losing money if you incur an accident probably doesn’t thrill you. You see, your insurance coverage has a limit. The policy reflects this dollar amount, which we base on the bike’s value at the time you insure it.

If you have an accident, although you bought a full-coverage policy, you wouldn’t get the money to replace your motorcycle as you rode it at the time of the accident. That custom paint job and those aftermarket handlebars added to its value.

Let’s say you bought a Harley-Davidson Sportster S for $15,499. Since neither black, white, nor green appealed to you, you bought the custom paint job from a local artist. It cost you $2,000. The handlebars added $400. Without an update, your insurance check will be for $15,499.

Contact Us

Contact The Insurance Outfit serving Chester, NJ for help updating your bike’s policy. Don’t let a lack of coverage set you back financially.

Special event security is the practice of protecting a venue or event from threats, such as terrorism, by using a security guard or other personnel. Often, special event security is provided by a private company or government agency. The primary goal of special event security is to protect the safety and security of people and property at the event.

While you might not think your gathering is a target for violence or illegal activity, it is crucial to be aware of the potential for such threats. The Insurance Outfit believes that if you have a gathering that will attract many people, you need to have a plan in place in case something goes wrong.

Sometimes You Are Legally Required to Provide Security

Among the many regulations that govern special events in Chester, NJ, some regard the provision of security services during a special event. At the city administrator’s discretion, an event proprietor may be required to hire off-duty police officers or licensed security guards.

In addition, the city may determine only police officers may provide security services. This is the case for events that will generate a lot of traffic. When this decision is made, the event proprietor will have to reimburse the city for the expenses incurred by the police department.

Special Event Insurance Can Help You Plan Ahead

Whether planning a large wedding, organizing a corporate event, or hosting a concert, special event insurance offers coverage for the many risks that can arise. The type of coverage you need will depend on the type of event you’re planning. Common coverage options include:

• cancellation 
• rental
• liability
• auto

Are you planning a special event in Chester, NJ? Let The Insurance Outfit find you the best coverage for your event today!

As a boat owner, purchasing boat insurance for your vessel is one of the best decisions you can make. This is because boat insurance is designed to address specific needs of boaters, such as litigation and investment protection. At The Insurance Outfit, we are committed to helping boat owners in Chester, NJ, protect their vessels against every risk and liability. Here are some boat insurance tips to help you sail safely and securely.

Avoid Bundling Marine Insurance into Your Homeowner’s Policy

Many boat owners opt to add their marine insurance into their homeowner’s policy because it seems cheaper and more convenient. However, you should avoid doing this because boat insurance bundled into a homeowner’s policy doesn’t provide sufficient marine coverage as you would get with stand-alone boat insurance.

Extra Coverage Is Usually Worth the Cost

Most boat insurance coverages feature several exclusions to make the policy cheaper. However, you consider adding these exclusions back to the policy and paying a higher premium. The extra coverage will come in handy if anything unfortunate happens to your vessel. Some of the exclusions you should prioritize adding back to your policy are total salvage, fuel spill, boat trailer, and uninsured boater.

How to Make Your Boat Insurance Cheaper

Most insurers will offer a better rate if you satisfy certain conditions. You can make your marine insurance cheaper by maintaining a clean driving record for your car and boat and taking a boat safety course. You can also discount your insurance premium if you utilize your boat seasonally and only sail in freshwater.

Get a Quote

If you are looking for outstanding boat insurance in Chester, NJ, come to us at The Insurance Outfit. We will provide you will a policy that can cover all the potential risks for your vessel and give you peace of mind. Call us today for a quote.

 You have probably received several recommendations about getting umbrella insurance. You have likely not gotten it yet because you don’t understand why you need it. At The Insurance Outfit, we assist residents of Chester, NJ, to understand all insurance matters and get the best policies for their needs. Umbrella insurance basically protects your assets and future earnings from being raved by expensive lawsuits. Here are reasons why you should get umbrella insurance. 

1. If You Participate in Recreational Activities that Could Injure Others

Participating in recreational activities can be fun; however, some can be dangerous. Some examples include cycling, boating, and golfing, which can cause personal injury to others in the vicinity due to accidents. Having an umbrella policy can come in handy in protecting your financial well-being when dealing with personal injury lawsuits relating to your recreational activities. 

2. You Are a Landlord

Landlords are usually held accountable for personal injury to their tenants due to falls and slips caused by icy walkways, among other things. Additionally, they are responsible in court for damage to the tenants’ property that may result from fires caused by faulty electrical wiring. An umbrella policy will ensure you (the landlord) are protected from financial ruin if these unfortunate events occur to your tenants or their property. 

3. If You Own a Dog

Although dogs are amazing pets, they are still animals and predatory by nature. Sometimes your dog can have a bad day and cause personal injury to other people. An umbrella policy will ensure that you can come out of the lawsuit that will follow mostly unscathed. 

Get a Quote

If you want to purchase an umbrella policy in Chester, NJ, to protect your financial well-being from the effects of lawsuits, come to us at The Insurance Outfit. We offer unbeatable policies with competitive premiums. Call us today for a quote.  

Life insurance requires more than a "set it and forget it" approach. The Insurance Outfit believes that life insurance should grow with you. Unfortunately, many don’t realize this until it’s too late. Even existing policyholders fail to make routine updates and adjustments. As life changes, so should your life insurance policy.

The Insurance Outfit can help. Located in Chester, NJ, the agency shares five life events that demand an immediate review of your life insurance needs.

Getting married

The sound of wedding bells is also a reminder to update your policy. If a spouse passes, it can leave behind a financial burden. In this way, life insurance is mainly for the surviving partner, enabling them to handle bills and expenses that may be left behind.

Owning a home

Most families rely on two sources of income. Mortgage payments can be a particular challenge. Life insurance supplements these payments, enabling your family to keep their home after you’re gone.

Expecting a baby

Having a child is already filled with worry, stress, and sleepless nights. Rest easier with life insurance. This secures and safeguards your child’s future.

Starting a company

Bringing a new business into the world can be equally scary. Life insurance could help your family assume control and keep the doors open after you’ve passed. But it’s suitable for investors too. Life insurance grants them peace of mind, stability, and continuity also.

Retiring

Life insurance serves two primary purposes: reducing risk and replacing lost wages. Both of these are less important during retirement. For this reason, you might consider decreasing your coverage. Social Security and pensions may be enough.

Contact an agency serving New Jersey.

The Insurance Outfit can fit you with a personalized life insurance policy that can adapt with you throughout your life. Schedule an appointment today.

In the Chester, NJ area, there are a lot of types of insurance coverage to consider getting. With the right coverage, you can protect assets, reduce liability costs, and obtain other forms of insurance support. When you are looking to improve your insurance positioning, you should also consider your health insurance needs. There are multiple reasons that the typical person here will need to carry this coverage. 

Have Access to Affordable Care

One of the reasons to get a proper health insurance plan in New Jersey is to ensure you can gain access to affordable care. Anyone that has had to receive a medical procedure or emergency care will know how quickly medical expenses can add up. If you are properly insured, you can help to manage these costs as you will have coverage, annual caps, and other protections to limit your personal expenses to receive quality care.

Remain in Compliance with Requirements

You should also get a health insurance policy to ensure you remain compliant with any obligations. All people across the country today are obligated to carry proper health insurance at all times. You will typically need to offer evidence of full coverage when tax returns are filed. Without appropriate evidence of health insurance coverage, you can face various penalties and fines. 

Anyone that is in the Chester, NJ area needs to ensure they remain covered with health insurance. When you are looking for a new plan in this area, it would be helpful for you to call The Insurance Outfit. There are a lot of decisions and choices to make when you are looking for a new health insurance plan. The professionals with The Insurance Outfit can give the support that is needed to build a plan and help ensure you are properly covered.