Sleep Easy Knowing You’re Covered with Tailored Homeowners Insurance

Ensure your biggest asset is properly covered with homeowners insurance from North Jersey Insurance Group. Your house is not only your largest asset; it is also home to you and your family and holds precious memories and belongings. At North Jersey Insurance Group, we provide affordable homeowners insurance and strive to offer coverage that protects all you hold dear. Contact us today to learn more about our independent insurance agency or to request a free quote from our agents.

The 4 Parts of Property Protection
Dwelling
This section covers your house structure, fixtures within the house such as built-in appliances, plumbing, heating and air-conditioning, attached structures, and electrical wiring.

Other Structures
This section covers any detached structures such as storage sheds, garages, and any fixtures attached to the land, to include fencing, sidewalks, driveways, patios, and retaining walls. If a detached structure is used for business purposes, it will not be covered under a personal homeowners insurance policy.

Personal Property
This section covers personal property including the contents of your home and other personal items owned by those living within your home. This protection may involve replacement cost or actual cash value. You can add extra coverage for these items by adding an endorsement to your homeowner's insurance policy.

Loss of Use
This section covers living expenses resulting from the fact you cannot live in your home.

The Two Sides to Liability Protection
Personal Liability
This section protects against a claim or lawsuit that result in bodily injury or property damage to others caused by an accident on your property or by your personal activities anywhere. However, this coverage does not protect auto and business related incidents, but does protect you and all family members who live in the home.

Medical Payments
This section covers persons accidentally injured on your property by paying for medical expenses of persons, regardless of fault. However, they do not cover your injuries or any injuries of family members living in the home, or activities that involve your home business.

Protect your investment in your home with proper homeowners insurance
coverage from our agency in Elmwood Park, New Jersey.