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Sandra Saunders Agency, LLC Blog

Why you should have renters insurance in New Jersey

New Jersey is a great place to call home. In New Jersey, 37% of residents are renters. That is a lot of people who should be carrying renters insurance. Unfortunately, more than half of them aren’t, which is risky. If a hazard destroys your rental, and you have no insurance, you can lose everything you own. That is reason enough to consider getting renters insurance. At Sandra Saunders Agency LLC in Delran, NJ, we are an independent agency that means we have various carriers we can search for the best insurance for you. 

It would be best if you had renters insurance in New Jersey for these excellent reasons. 

Your landlord doesn’t have insurance to protect you

Many renters are under the impression their landlord has insurance to protect them if the unit is damaged. This is not the case. Your landlord only has insurance on the building, not your possessions. They don’t have liability insurance for guests to your unit either. 

It would be best if you had to replace your possessions.

Everybody these days owns a lot of stuff. Imagine having to replace everything you own all at once. Your clothes, your entire kitchen, electronics, furniture, linens, decor, everything you own. It is overwhelming to think about. Renters insurance would take care of this for you financially. 

Liability coverage

If you have a dog or if you ever have visitors, you could be on the receiving end of a lawsuit. About 10% of people are every year. Legal actions can get very expensive, and having a lawyer to defend you is not cheap. Liability insurance is something everyone should have. 

Loss of use

If your rental is damaged, you will need to find a place to stay. With the loss of use insurance, you will have the money for a hotel and a short-term rental. 

Contact Sandra Saunders Agency LLC in Delran, NJ to find out more about renters insurance. 

How Does Umbrella Insurance Apply to my Car Policy?

The total cost of a car accident involving many vehicles may reach hundreds of thousands or millions of dollars. But what if you’re the driver that caused the accident and your auto insurance cover limit can’t cover the multimillion-dollar property damage and bodily injury liability that you’ve got to pay?  You either have to make an out-of-pocket payment or seek additional coverage through an umbrella insurance policy.

Umbrella insurance policies provide additional coverage, which may be vital in covering for what your insurance coverage will pay. If you’re in Delran, NJ, you can get an umbrella insurance policy from Sandra Saunders Agency LLC. But what is umbrella insurance coverage, and how is it important to you and your vehicle?

What’s Does an Umbrella Insurance Policy Cover?

You can secure your vehicle and yourself from the losses that result from road accidents by getting an auto liability policy or comprehensive coverage, also known as collision coverage. If you get into an accident, these policies will pay for injuries and property damage. But the payments will not exceed a set limit. The rest of the claimed amount that is above the set limit should get covered by out-of-pocket payments or an umbrella plan if you’ve taken one. The umbrella insurance policy covers property damage and injuries resulting from an auto accident.

How Does This Cover Apply to Your Car?

It would help if you considered getting umbrella insurance to protect your savings and assets. Once your set limits or caps on the auto liability or the comprehensive coverages are exhausted, you may have to use your savings to pay the additional amount you’re liable to pay. If your savings aren’t sufficient, then your assets may get auctioned.

If you’re into carpooling, ride-sharing, or you’re a driver with lots of assets and significant amounts of savings, it’s prudent to get an umbrella insurance cover to get protected. All Delran, NJ, drivers can get an umbrella insurance coverage policy from the Sandra Saunders Agency LLC.

Exploring The Benefits Of Umbrella Insurance

Sandra Saunders Agency LLC serves the Delran, NJ community by offering multiple types of insurance coverage. We offer our clients policies designed to help them protect their assets.

The Benefits Of Umbrella Insurance

Umbrella insurance acts as a safety net when you are involved in a serious liability dispute. The policy helps you secure your assets as you go through the litigation process. You can rely on the policy during worst-case scenarios. Here is a look at the benefits of umbrella insurance.

Auto Accidents

Driving is often unpredictable due to the ever-changing road conditions and the status of other drivers. It only takes a split second for things to go wrong. That’s why adding umbrella insurance is something that you should consider. If you are held liable for a serious auto accident, your assets may be at risk.

Home Incidents

If you enjoy having friends and family visit your residence regularly, umbrella insurance is an asset. If someone gets injured while visiting your property, you could be held responsible. If you have special accessories on your property, umbrella insurance is essential. Imagine guests are having fun in your swimming pool, and someone slips and suffers a concussion, or one of your child’s friends is playing on the trampoline in the backyard and breaks their leg. These are potentially serious liability disputes that you’ll have to deal with. Umbrella insurance can prevent you from losing everything.

Business Related Incidents

As a Delran, NJ business owner, umbrella insurance can help you protect your investment. Your business may suffer legal action if one of your customers gets injured while visiting your store, or they allege that your products caused them harm. Umbrella insurance adds another layer of protection as you fight the charges and look to protect your business’s integrity.

Sandra Saunders Agency LLC Will Help You Protect Your Assets

Visit our website to learn more information about umbrella insurance.

A Guide To Help New Jersey Residents Find Condo Insurance Coverage

Based in Delran, NJ, Sandra Saunders Agency proudly offers insurance coverage to the residents of this community. We are committed to helping our clients find the policies they need to protect what matters most. We are happy to serve as an independent agency.

Condo Insurance Guide

Delran, NJ is home to several popular areas full of condos. As a resident, condo insurance protects your most valuable items and brings peace of mind in the event of a disaster. Condo insurance provides benefits if there is interior damage to your unit, such as the walls or ceiling.

Primarily, the policy ensures that your personal items are covered if they are stolen or damaged due to a disaster. If you have luxury valuables at your condo, you will have to add extra coverage to protect them if something happens. It may be beneficial to have those items appraised so that you will be aware of their value.

Liability coverage is another important part of your policy. Liability coverage protects you if someone is injured while visiting you. You are also protected if you cause damage to someone else’s property. Liability coverage is critical if you have a pet.

If you plan to make any changes to your unit, you will need dwelling coverage. Dwelling coverage protects you if your amenities are damaged or vandalized. If your unit suffers major damage, you can amend your policy to cover you as you seek temporary housing while your unit is repaired. Be sure to check your condo association handbook while you research coverage so you’ll be aware of the protection that you need.

Sandra Saunders Agency Will Help You Protect Your Assets

Visit our website today to learn more about condo insurance. 

Reasons why you should review your home insurance

Home insurance is something required by your mortgage lender. It is not something most people put thought into researching. You trust your insurance agent to make sure you are covered. Have you taken a good look at your home insurance recently? If the answer is no, it is time to read your declaration page. Your life is not standing still, and your home insurance shouldn’t be either. In Delran, NJ, Sandra Saunders Agency is a locally owned insurance agency that knows home values in the area and can help you make sure you have enough coverage. 

When your policy renews, it comes with a declaration page listing the amount and types of coverage you have. Deductibles are included as well. This is an important piece of paper and when it arrives, looking it over carefully is a wise idea. Things may not be the same as when you first took this policy, and this is the perfect time to make decisions about your coverage. 

You are wealthier

The liability coverage protects you if someone is injured while visiting your home or by a member of your family. While basic coverage may be enough when you were young and struggling, it may not be enough today. If your assets have risen, including your home’s value, your liability coverage needs to grow as well. You may have more valuable content and need better content coverage. 

The value of your home is higher.

House values have risen significantly, and depending on when you purchased your home, the real estate values could have risen significantly. Replacement costs have also risen. Especially if you have done major upgrades to your home, make sure the amount of insurance you have reflects its actual value. 

Contact Sandra Saunders Agency in Delran, NJ to discuss your home insurance needs. 

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