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Rock Insurance
Agency Inc

142 Route 70, PO Box 775
Medford, NJ 08055

Rock Insurance Agency Blog

Getting the Right Amount of Home Insurance Coverage For Your Needs

Homeowners in Medford, NJ, and the Tri-State area know that home insurance is essential in protecting your valuable asset. But how do you determine how much coverage you need?

Know Your Basic Coverage Needs 

The first step in obtaining the right amount of home insurance is understanding what type of coverage you need.

The essential components of home insurance are:

  • Dwelling Coverage
  • Other Structures Coverage
  • Personal Property Coverage
  • Loss of Use/Additional Living Expenses Coverage

These four primary coverages are all included in a standard policy and provide financial protection against losses caused by fire, lightning strikes, theft or vandalism, hail or windstorm damage, and other perils listed in the policy. 

Consider Additional Coverages 

Once you have determined your basic coverage needs, it is time to consider additional coverage that can be added to your policy depending on where you live and the risks you face. These options include:

  • Water damage/sewer backup coverage
  • Flood Insurance
  • Earthquake coverage
  • Identity theft protection
  • Replacement cost coverage
  • Liability protection

Your Rock Insurance Services representative can provide more information and help you determine which ones are right for you in the Tri-State area.

Understand Your Deductible 

Your deductible is the out-of-pocket amount before your insurance company pays for any losses or damages covered by your policy. Higher deductibles lead to lower premiums because there is less risk for the insurer if they don’t have to pay out as much money for claims.

When choosing a deductible amount for your policy, it’s essential to balance the cost savings associated with having a higher deductible with the fact that if something happens to your home, you’ll pay more out-of-pocket before any claim payments are made by your insurer.  

Give Us A Call

For help to determine how much home insurance coverage is right for you in Medford, NJ or anywhere else in the Tri-State area, contact Rock Insurance Services today!

Three things you’ll like about commercial insurance coverage

Owning a business can at times be a stressful experience. This is especially true when you’re not carrying commercial insurance for your business in the Tri-State area. If you’re looking for commercial insurance coverage for your company, we can help you at Rock Insurance Services in Medford, NJ.

The following are three things you’ll like about carrying commercial insurance for your business:

Commercial insurance coverage can give your employees more financial security.

Your employees will really appreciate it if you carry workers’ compensation insurance as part of your commercial insurance policy. This type of insurance will protect your employees financially if they end up getting injured on the job and cannot return to work as a result. 

Workers’ compensation coverage doesn’t just benefit your workers but also keeps you compliant with state law. In New Jersey, workers’ compensation insurance is required for all employers that are not either covered by Federal programs or approved to self-insure their company. 

Commercial insurance coverage can minimize the damage caused by a burglary at your facility. 

A burglary can be very costly for a business. Commercial insurance policies will often provide coverage for financial losses resulting from a burglary. 

Commercial insurance coverage keeps your company out of all kinds of trouble.

Without commercial insurance, your company could end up in financial trouble due to a lawsuit. Your company can also end up in legal trouble if you don’t carry any commercial auto or professional liability insurance that is required. 

Call us at Rock Insurance Services to discuss more of the great aspects of having commercial insurance in the Tri-State. Rock Insurance Services can offer commercial insurance policy quotes to business owners in Medford, NJ. Contact us to learn more. 

Motorhome Coverage and Roof Leaks: What is Covered?

Living in a motorhome (or even just traveling in one) is an entirely unique experience. You must take care of certain things that you may not otherwise have to face, such as septic tank connection issues and other unique problems.

As the motorhome starts to age – and after being berated by the elements for several years – the roof can start to weaken in several areas. This could cause roof leakage, which could not only destroy the roof but could also spread to the inside of the home. In turn, it could destroy every personal item of yours in its path.

Motorhome Coverage and Roof Leaks: What is Covered?

As with any investment, it is imperative that you take adequate care of your motorhome and its contents at all times. Motorhome insurance can assist with that care.

When inclement weather occurs and rainstorms flood the area, you will need a way of protecting your roof. Your motorhome insurance policy includes coverage for that leaking roof. Before it becomes an issue, make sure to obtain the policy first and foremost. But how do you know what policy to choose?

Our team of insurance experts at Rock Hard Insurance Agency in Fontana, CA can assist you with the process of protecting your roof. With years of experience in the insurance field, our agency will make sure that you receive the correct policy to meet your needs.

Get The Right Coverage Today

Regardless of California being less likely to experience rainstorms than most other states, it is still a possibility. That is why you need to contact Rock Hard Insurance Agency in Fontana, CA today and insure your motorhome. You do not need the extra worry and expense of paying out-of-pocket for a new roof.

Let us keep you from being rained on by calling or emailing today!

Tips for driving in the snow

Snow can make for a dangerous driving experience. It is important to get the right auto insurance coverage in case of any accidents or emergencies. Our team of insurance experts at Rock Insurance Services in Medford, NJ is happy to assist our Tri-State customers with all insurance and related queries. 

Here are some tips to help you stay safe while driving in the snow:

1. Make sure your car is properly prepared for winter weather. This includes ensuring that your tires have good tread, that your windshield wipers are in good condition, and that you have sufficient antifreeze in your engine.

2. Drive slowly and adjust your braking distance accordingly. Snow and ice can make it difficult to stop your car quickly.

3. Increase your following distance. Cars traveling in front of you can create a "snowplow" effect, which can cause you to lose control of your car.

4. Use caution when turning. Ice can make it difficult to keep your car under control during turns.

5. Be alert for black ice. This is a thin layer of ice that is difficult to see but can cause you to lose control of your car very quickly.

6. If your car starts to skid, take your foot off the gas and turn in the direction that you want the car to go. This can help you regain control of your vehicle.

7. Keep a winter driving kit in your car, including blankets, flares, extra warm clothes, and non-perishable foods and water. Having this kit on hand can help you stay safe and comfortable if you get stranded in the snow.

8. If your car does get stuck, don’t panic! You can use a bag of sand or kitty litter to provide traction for your tires or even push your car out of a snowbank by rocking it back and forth. 

Contact Us Today

For more safe driving tips, call Rock Insurance Services today. We proudly serve the Medford, NJ and Tri-State areas.

Don’t let your home value outpace your insurance coverage!

Residents in Medford, NJ and the surrounding Tri-State area can turn to the Rock Insurance Services team for all of their home insurance needs. Let us help you protect your family home, now, and for many years to come. Call or stop by our office to find out more.

Is it time to increase your home insurance?

If you are like many people, you simply renew your insurance policies without giving them too much thought or attention. As the years go on, this common practice can cause some problems. Your home value will change year over year, and it is important that your home policy keeps pace with that value.

The above is one important reason why it is always a good idea to review your homeowner’s policy on a regular basis. Taking a close look once a year to ensure that you don’t have any gaps in coverage can help you to avoid a situation where you don’t have the protection you need. 

Additionally, if you make changes to your home, such as updating your kitchen and bathrooms, you will need to check to make sure that those improvements don’t push the value of your home over the current policy level you have. All of these considerations can be dealt with easily when you work with a local agent. Having an insurance partner who can help you stay aware of any changes that arise is a great resource to have. Find out more today about how home insurance needs can change.

Give us a call today!

Rock Insurance Services is proud to serve the Medford, NJ community and the Tri-State area. If you have any insurance questions or concerns, we are here to help. Contact our office or stop by today.

Why To Add Workers’ Compensation Coverage in Your Commercial Insurance Policy

Workers’ compensation insurance is something that all businesses should have. This vital coverage is included under the umbrella of commercial insurance. It provides coverage for employees who are injured or become ill as a result of their job. It can also keep your business afloat if you are sued for damages.

However, there are a few things that you should know before you purchase workers’ compensation insurance. Rock Insurance Services in Medford, NJ serving the Tri-State area business is here to provide a guide. 

Even Small Businesses Need Workers’ Compensation Insurance

Some business owners think that they don’t need workers’ comp because they have a few staff or because their employees are not in danger of being injured on the job. However, any business can be sued for damages if an employee is injured or becomes ill as a result of their job.

Workers’ Compensation Insurance Is Required by Law

In most states, businesses are required to have workers’ compensation insurance if they have employees. This includes full-time, part-time, and seasonal employees. The only exception is if the business is owned by a sole proprietor with no employees. In this case, the owner can opt out of workers’ compensation insurance.

You May Need More Than the Minimum Coverage

Sometimes, the minimum amount of coverage required by law may not be enough to protect your business. So, it’s essential to speak with an insurance agent to determine how much coverage you need. This will depend on factors such as the size of your business, the type of work your employees do, and the amount of risk involved.

Workers’ Compensation Insurance Protects Both Employees and Employers

Workers’ compensation insurance is a win-win for both employees and employers. Employees are protected if they are injured on the job, while employers are protected from being sued for damages.

So, if you have employees, it’s essential to make sure that you have workers’ compensation insurance. It could save you a lot of money and headaches in the long run.

Are You Ready to Protect Your Business?

Now that you know a little bit more about workers’ compensation insurance, it’s time to get started on finding the right policy for your business. Remember to keep the above things in mind when shopping around.

Get Coverage For Your Business Today

If you need help finding the right workers’ compensation insurance for your Tri-State area business, contact us at Rock Insurance Services in Medford, NJ today. We’ve got a team of experts ready to answer any questions and help you find the perfect policy for your needs.

Give us a call or fill out our online quote form to get started. We look forward to helping you protect your business!
 

How Do I Know If I Have the Right Amount Of Auto Insurance Coverage?

How much auto insurance do you need? This is a question that many people ask, but it can be difficult to answer. The amount of coverage that you need depends on a variety of factors, including your assets and your liabilities.

Here we discuss some tips for determining how much coverage you need:

1. Consider Your Assets

Your auto insurance should protect your assets in the event that you are sued for damages in an accident. If you don’t have many assets, you may not need as much coverage as someone who has a lot of assets.

Consider your home, savings, investments, and any other property that you own. A professional insurance company such as Rock Insurance Services in Medford, NJ can help you in the Tri-State area to determine the amount of coverage that you need based on your assets.

2. Consider Your Liabilities

Your auto insurance should also cover your liabilities in the event that you are sued for damages in an accident. If you have a lot of debt, you may need more coverage than someone who doesn’t have as much debt. Consider your mortgage, credit card debt, student loans, and any other debts that you have.

3. Consider Your Driving Record

If you have a clean driving record, congratulations-you’re in the minority. Most drivers will experience some type of collision or moving violation within the first few years of driving. If you live in an urban area or drive frequently in heavy traffic, your odds of being in an accident go up even more.

Your driving record is one of the most important factors in determining your insurance rates. If you have a history of accidents or moving violations, you can expect to pay more for your coverage.

Contact Us Today

Determining how much auto insurance you need can be difficult, but it’s important to make sure that you have the right amount of coverage. Consider your assets, your liabilities, and your driving record when determining your coverage needs.

A professional insurance company can also help you to determine the amount of coverage that you need. Rock Insurance Services Rock Insurance Services in Medford, NJ, serving the residents of the Tri-State area, is a great resource for determining your auto insurance needs. Give us a call today to get started.

4 Times You Should Update Your Home Insurance

Your home insurance policy is a vital piece of protection for your family and your belongings. It’s also a key part of your overall financial security. It protects you if something happens to your Tri-State area home or possessions.

That’s why it’s essential to review your policy regularly and ensure it still meets your needs. But when should you do this? Rock Insurance Services in Medford, NJ can help you navigate this important coverage.

Here are four times when you should update your home insurance:

When You Move

If you move to a new home, you’ll need to update your home insurance policy. Your old policy will no longer be valid, and you’ll need a new one that covers your new home. Additionally, your new home may have different risks than your old one, so it’s essential to ensure that you’re covered.

When You Make Improvements to Your Home

If you make any improvements to your home, such as installing a new roof or renovating your kitchen, you’ll need to update your policy. That’s because the value of your home will have increased, and you’ll need to ensure that you’re covered for the full value of your home.

When You Get Married or Have a Baby

If you get married or have a baby, your home insurance needs will change. For example, you may need to add or remove coverage for particular items. Additionally, you’ll want to ensure that your entire family is included in your policy and that they’re protected if something happens to your home.

When You Buy Big-Ticket Items

Big-ticket items such as jewelry, art, or electronics should be specifically covered in your home insurance policy. If they’re not, you may not be fully protected if they’re lost, stolen, or damaged. To be safe, it’s best to add them to your policy or get a separate policy that covers them.

Update Your Home Insurance Today

Updating your home insurance policy is essential to ensure that you and your family are fully protected. Be sure to do it when any significant changes occur in your life. Rock Insurance Services in Medford, NJ can help you find the right policy for your needs. Contact us today to learn more about how to get insurance for your Tri-State area home.

Do I Need Commercial Insurance?

If you are a business owner, it is imperative that you have the proper insurance products in place to protect the investment you have made in both time and money. Rock Insurance Agency can help you make smart insurance choices in Medford, NJ and the Tri-State area. Keep reading to learn more about commercial insurance and how it can help you. 

What Is Commercial Insurance?

Commercial insurance is a type of insurance product that is specifically designed with business owners in mind. There are many layers to running a successful business. It is important that you have insurance protection for each of those layers. 

Instead of having several different types of insurance coverage, a commercial policy will bundle different types of insurance coverage so that you can streamline and save money. 

What Does Commercial Insurance Cover?

A commercial insurance policy can be customized to meet your needs, but in general, a policy will cover the following areas:

  • Property Damage– If your place of business is damaged, your insurance coverage will kick in to pay for repairs or replacement of property or equipment. Without this important type of coverage, you would be paying these expenses out of pocket. 
  • Auto Coverage– If you need to use vehicles in the daily operation of your business, you will need to make sure that both your drivers and the vehicles are protected. A commercial auto policy can provide this. 
  • Liability– When you own your own business you are at special risk of liability. If someone is hurt at your business or because of your goods or services, you could be held responsible for medical bills or legal fees unless you have liability insurance in place. 

Give Us A Call

If you would like to learn more about commercial insurance, please contact us at Rock Insurance Agency serving Medford, NJ and the Tri-State area.

Does Home Insurance Cover Renovation Projects

Rock Insurance Agency serves Medford, NJ and the Tri-State community. We are committed to helping our clients obtain coverage that aligns with their future visions. We strive to establish long-lasting relationships with our clients. We provide versatile coverage options that are designed to alleviate stress and allow our clients to live comfortably.

Does Home Insurance Cover Renovation Projects?

Your Medford, NJ property is one of your most valuable assets. Home insurance allows you to protect yourself during times of crisis. The policy any damage to the interior of your home as well as your roof. Other structures on your property, such as your garage or fence are also covered if they suffer damage. All of your personal items at your home are covered if you are the victim of a break-in or those items are damaged.

Your home is also covered in the event of an accidental fire. Liability coverage is a big part of your policy. Liability coverage your if a guest comes over to your home and suffers an injury or if you accidentally damage your neighbor’s property while taking care of some landscaping.

If you plan to renovate your home in the future, generally the project should be covered. However, there are a few things to think about. If you plan to renovate your home, consider increasing your coverage. If a natural disaster damages your home, you may not be completely covered if you didn’t modify your policy before the project started.

It’s also a good idea to increase your liability limits, as your property will be a high-traffic area until the project is complete. That increases the risk that someone may get injured.

Rock Insurance Agency Will Help You Protect Your Assets

Contact us today to learn more information about home insurance.