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Rock Insurance
Agency Inc

142 Route 70
Medford, NJ 08055

Rock Insurance Agency Blog

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Will RV Insurance Cover Temporary Lodging Costs?

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RV insurance in the Medford, NJ, area combines the benefits of auto and home policies to ensure you’re covered when you hit the road. This is necessary if you use your RV as your primary vacation plan, but what happens when something damages or destroys it?

Standard Coverage

Standard coverage works similarly to auto and home insurance. It will often cover damage to the RV, may extend to cover accessories, such as a satellite dish, and can cover belongings inside the RV up to a specific limit. 

Most standard policies also include limited liability coverage in case you’re at fault in an accident. They may cover natural disaster damage, but it can also depend on the policy. Speak with an agent at Rock Insurance Services to learn more about your coverage options. 

Unfortunately, temporary lodging costs aren’t usually covered by standard policies in the tristate area. You do have other options, though. 

Additional Coverage Options

Many insurance companies offer insurance add-ons to ensure you have the coverage you need. Most provide emergency expense coverage in case something happens while you’re on the road, and you need a place to stay, or all of your belongings are destroyed, and you need to buy groceries. There is usually a coverage limit, such as $1,000, to help cover expenses while you return to your primary residence or your RV is in the shop. 

Many families also invest in additional coverage for accessories to ensure everything is protected, including items such as detached awnings. Roadside assistance is another popular option. 

Knowledgeable representatives at Rock Insurance Services can help you learn more about your options before you leave for vacation. Contact us. We’re currently serving the Medford, and tristate NJ area. 

How To Navigate an Upgrade to Your Home Insurance

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Are you thinking about upgrading your home insurance? Whether it’s because you remodeled your kitchen or because the weather has been more unpredictable in Medford, NJ, you may need to do more than just up your coverage limits. Here, Rock Insurance Services helps you understand how to revamp your coverage in the tri-state area. 

Do Your Homework 

When it comes to all insurance policies, not just home insurance, there’s rarely such a thing as standard coverage. While you can take out a bare-bones policy, and many people do that just to stay legal, that doesn’t mean that every contract has the same clauses from company to company.

This is why it can help to talk to an experienced agent. They’ll help you understand your current policy and identify any coverage gaps. 

Get Specific 

Home insurance policies can’t conceivably cover every event, simply because it’s impossible to anticipate how your things will be damaged. Whether your Christmas presents are stolen out of the trunk of your car in a parking lot or your brand-new gold-plated door handle is smashed off by vandalizers, you should consider all possible scenarios that you want to cover and then start building out the monetary limits from there. 

If you’re in Medford, NJ, Rock Insurance Services serves homeowners in the tri-state area who don’t want to be caught without a safety net. Your home is one of your biggest assets. Call us to learn more about protecting what matters most to you.

Commercial Insurance For Thrift Stores

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Opening a thrift store in Medford, NJ, is an exciting opportunity to combine your love for thrifting with your business acumen, all while supporting the community. However, it’s essential to understand the insurance coverage you’ll need in the Tri-State area.

Legal Requirements for Business Owners

Businesses with employees are required to carry workers’ compensation and unemployment insurance. Additionally, you’ll need temporary disability insurance. If you use vehicles for business purposes, such as picking up donations, you must obtain a commercial auto policy to cover those vehicles.

Additional Coverage to Consider

While the state mandates coverage to protect employees and others, it’s equally important to secure policies that protect your business and personal assets. Business interruption coverage, for example, can help cover lost income if you need to close your store due to a covered event temporarily.

Property Insurance

Property insurance is vital if you own the building where your thrift store operates. This coverage can help pay for damage to the structure caused by covered perils. Many policies include protection against natural disasters, but it’s vital to confirm what events are covered. Additionally, ask whether inventory is included in the coverage. A company like Rock Insurance Services can provide clarity on these details.

General Liability Insurance

Although not legally required, general liability insurance is highly recommended. This type of policy protects your assets in the event that your business is sued. For instance, if someone slips and falls on an icy sidewalk outside your store, they could file a lawsuit. General liability insurance can cover settlements up to the policy’s coverage limit.

At Rock Insurance Services, our agents are here to help you understand the various types of coverage every business owner needs. Contact us today to learn more. We proudly serve Medford, NJ, and the surrounding Tri-State area.

How Auto Insurance Covers Accidents in Parking Lots

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Accidents in parking lots are more common than many drivers realize, and they often create confusion about who is at fault and how insurance applies. While most of these incidents occur at low speeds, injuries are less frequent, but property damage can still be significant. Understanding how auto insurance responds helps New Jersey drivers know what to expect after a fender bender in a parking lot.

Liability Coverage and Determining Fault

The most important factor in parking lot accidents is determining fault. If you hit another vehicle, your liability coverage through Rock Insurance Services, serving the auto insurance needs of Medford, NJ, and the entire Tri-State area, is designed to pay for the other driver’s repairs. This same coverage applies if you accidentally strike a pedestrian or damage property, such as a light post.

Collision Coverage for Your Own Vehicle

Even when another driver is clearly at fault, their insurance may not always be cooperative or sufficient. Collision coverage on your own policy ensures that your vehicle can be repaired regardless of fault. You’ll pay the deductible, and your insurer may pursue reimbursement from the other driver later.

Uninsured Motorist Situations

Parking lot accidents sometimes involve drivers who lack insurance or who leave the scene without providing information. In these cases, uninsured motorist coverage steps in. It can help pay for repairs or medical bills that would otherwise come directly out of your pocket. This part of a policy is especially valuable in hit-and-run scenarios, which unfortunately happen quite often in parking lots.

Parking lot collisions may seem minor, but the financial impact can add up quickly. Reviewing your auto insurance with Rock Insurance Services, serving the auto insurance needs of Medford, NJ, and the entire Tri-State area, ensures you have the right mix of liability, collision, and uninsured motorist coverage to handle these everyday risks.

What to do if You Lose Home Insurance Coverage

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Your home is likely your most valuable asset, and protecting it with home insurance is essential. Medford, NJ, homeowners should act quickly if they experience a loss of insurance coverage to ensure their property remains safeguarded.

Why Would a Tri-State Homeowner Lose Insurance Coverage?

Home insurance coverage can be lost for various reasons, including the homeowner’s actions or inactions. For example, making renovations without proper permits or failing to repair specific issues in the home could result in a loss of coverage. In these cases, you’ll need to address the problems and either contact your current insurer to inspect the home and reinstate coverage or purchase a new home insurance policy.

If your insurer informs you that it cannot renew your policy, the issue may not be your fault. This often occurs when there have been numerous insurance claims in your area due to natural disasters. It can also happen if your insurer decides to stop offering coverage in your region or closes its operations. In these situations, you’ll need to shop around for a new insurance provider to cover your home and property.

Need More Info? Call Rock Insurance Services in Medford, NJ

Rock Insurance Services proudly serves homeowners in the Tri-State area. As a family-run business, we specialize in catering to the diverse needs of residents from all walks of life. We offer a variety of insurance policies from multiple carriers to help you find the coverage you need at a price you can afford. Contact us today to learn more about your options or to request policy quotes.

Commercial Insurance for Multiple Locations in the Tri-State Area

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Operating a business in the Tri-State area comes with unique risks, especially if your company has multiple locations in different states or commercial vehicles that travel across state lines. At Rock Insurance Services in Medford, NJ, we specialize in ensuring our clients have the right coverage for their businesses. If you’re a new client, your agent will ask detailed questions about your commercial operations, such as the number of vehicles used for the business, whether personal vehicles are utilized for business purposes, and who the authorized drivers are. Additionally, your agent will assess your business locations and discuss the specifics of obtaining adequate insurance coverage to protect them.

Our clients trust us to stay connected and provide ongoing support. We assist with annual insurance reviews and update policies as situations change. For example, plan to move a valuable piece of equipment from one location to another or open a new location that requires renovations. We can help ensure the new premises are covered by insurance, even during the renovation process.

In some cases, you may need specialized commercial insurance, such as cybercrime coverage or umbrella coverage, to address claims that exceed the limits of your standard commercial insurance policy. While this may sound complex, that’s where we come in. We analyze risks and provide tailored options to help mitigate potential damages in the event of unexpected events. Staying informed about your commercial insurance coverage and understanding your exposure to various risks is a smart strategy for protecting your business.

Contact us today to get recommendations and a quote from your agent at Rock Insurance Services in Medford, NJ.

Can an Insurance Company Help You With a Hit and Run If You Don’t Know Who Hit You?

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Being involved in a car accident is stressful enough, but when the other driver flees the scene without providing any information, it can feel incredibly overwhelming. However, if you’re ever the victim of a hit and run, you’re not entirely without recourse. At Rock Insurance Services in Medford, NJ, and the Tri-State area, we assist drivers in navigating these challenging situations every day.

What Happens When the Other Driver Is Unknown?

In a hit-and-run, the unknown identity of the driver who hit you can complicate the process of filing a claim. However, certain types of coverage exist for this very reason. If you have uninsured motorist property damage or collision coverage on your auto policy, you may be able to file a claim even if the at-fault driver is never identified. These coverages are designed to step in when the other party can’t or won’t pay for the damage.

What You Should Do Right After a Hit and Run

Even if the other car has left the scene, try to gather as much information as possible. Take photos of the damage, the scene, and any debris left behind. If there are witnesses, get their contact information. Always file a police report, as it creates an official record that your insurance company will likely require.

You’re Not Alone – We’re Here to Help

A hit and run can leave you feeling helpless, but with the right insurance in place and a supportive team, you can move forward with confidence. If you’re unsure whether your policy covers hit-and-run incidents, reach out to Rock Insurance Services in Medford, NJ, and the Tri-State area. We’ll guide you through your options and help you stay protected on the road.

What Counts as “Negligence” in a home Insurance Claim Denial

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When your home suffers damage, filing an insurance claim can feel like a lifeline. But what happens if the claim is denied, and the reason is labeled as "negligence"? At Rock Insurance Services, we proudly offer home insurance to residents throughout the greater Medford, NJ, area and the Tri-State region. We understand how confusing and frustrating this situation can be.

Understanding "Negligence"

In the context of home insurance, negligence refers to a homeowner’s failure to take reasonable care in maintaining or protecting their property. It’s not always about doing something wrong—sometimes, it’s about not doing something at all. For example, if a homeowner ignores a slowly leaking pipe and mold develops over time, the insurer may determine that the damage could have been prevented with timely action.

Another example is leaving windows open during a storm, which can result in water damage. Because the incident could have been avoided with reasonable precautions, the insurer might argue that negligence played a role and deny the claim.

The Importance of Understanding Negligence

Insurance is designed to help when the unexpected happens, not when problems are allowed to worsen gradually. That’s why regular upkeep and prompt repairs are so important—not just for safety, but for protecting your coverage.

At Rock Insurance Services, serving the Medford, NJ, community and the greater Tri-State area, we help homeowners understand what their policies cover and how to avoid common pitfalls, such as negligence-related denials. If you’re unsure about your coverage or want to make sure your policy truly has your back, reach out to our team today. We’re here to help you stay confident and covered.

Does Commercial Insurance Cover Vehicles?

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Commercial insurance is a must for business owners in Medford, NJ, and the Tri-State area. Many businesses are legally required to obtain insurance to protect their company and employees and cover damages.

What Is Commercial Insurance?

Commercial insurance is an umbrella term used to describe the types of insurance business owners carry to protect themselves. Commercial property insurance, also called business property insurance, covers damages to the business caused by theft, natural disasters, and accidents.

Liability insurance covers lawsuits, such as product lawsuits and personal injury lawsuits. Business interruption insurance covers business owners’ losses if the business cannot operate due to a flood, burst pipe, or other situation. Some policies may also cover vehicles.

Vehicles On The Lot

Commercial insurance can cover damages to a vehicle on the business’s property in several cases. For example, if a company vehicle is vandalized during closed hours and parked in the parking lot.

However, this depends on the policy. Some commercial policies explicitly exclude commercial vehicles, making obtaining commercial auto insurance and contacting Rock Insurance Services essential if you have questions.

Commercial Auto Insurance

To protect vehicles, it’s best to obtain commercial auto insurance instead of standard commercial insurance. Many business owners are legally required to get commercial vehicle insurance for cars, trucks, vans, and other vehicles used for work purposes.

Car insurance will offer add-on coverage to provide additional protection. For example, many insurance companies offer comprehensive and collision coverage for commercial vehicles, just as they do for personal vehicles. Speak with your insurance company to ensure your vehicles have the necessary coverage.

It can be unclear whether a commercial policy includes vehicles on the business property. Some policies do, while others specifically exclude them. Contact an agent at Rock Insurance Services today to determine if you need commercial auto insurance. We currently serve the Medford, NJ, and Tri-State area.

Repair Decisions After a Car Accident

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If you’re a car owner in the State of New Jersey, you’re required to have auto insurance. You may have questions about minimum auto insurance requirements and provisions. Car owners in the Medford, NJ area can find answers to insurance questions from our team at Rock Insurance Services. We’ve been serving clients in the Tri-State area for over 21 years.

Repair Decisions After a Car Accident

According to the New Jersey Department of Banking & Insurance, after your insurance company has examined your car following an accident, they have several options. They can arrange to repair your car, replace your car, or reimburse you for the cash value of your car. In most cases, if your insurance company decides that car repair is the best option, they will provide you with a list of approved auto repair shops. They can also recommend a car rental agency if your insurance policy includes a car rental clause.

Some people might be surprised to learn that their insurance company isn’t obligated to require the use of new auto parts when their car is being repaired. The guidelines of many car insurance policies require only that the vehicle be returned to its condition before the accident. If you prefer newer auto parts, you can request the garage use them, but you would have to pay the difference in price.

Call Us Today for Your Appointment

Whether you’ve recently had an auto accident or need to add a new car to your policy, you can find assistance at Rock Insurance Services. Clients in the Medford, NJ area will find us prepared to answer your insurance questions. All our agents are dedicated to providing excellent customer service. Call us for an appointment today, and let’s talk about your insurance needs.

142 Route 70, Medford, NJ 08055 | Phone : 609-382-0100 | Fax : 856-432-8177 | Email : info@rock-ins.com

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