Many people pledge to be smarter with their spending and finances during the new year, so why not take the time to ensure that money is not being lost on unnecessary home insurance claims and payments?
Monmouth Beach, NJ (PRWEB) February 01, 2012
It’s that time of year again; a time for everyone to look forward to what the new year has to offer and think about how they can make the most of 2012. As individuals begin to check things off of their New Year’s resolutions lists, the team at Marchetti & Sabatelli Associates, Inc. would like to remind them of why it is essential that they remember to include a review of their NJ homeowners insurance policies. Many homeowners have had the same policy for years, but this doesn’t necessarily mean that it still provides comprehensive coverage. As time goes on, New Jersey residents’ home insurance needs can change.
The experts at Marchetti & Sabatelli Associates want all local residents to have the right amount of NJ homeowners insurance coverage in order to avoid costly accidents. Therefore, they have compiled a list of things that homeowners should double check at the beginning of the new year:
- Is the policy limit high enough to cover valuables like televisions, laptops and pricey antique décor? If not, it may be best to increase this limit so that they can be replaced in the event of a fire or theft.
- Review the deductible on a home insurance policy. A higher deductible will mean lower monthly payments, so some homeowners may find that increasing their deductible is a great money-saving tool.
- How much liability coverage is included under the policy? Homeowners may be at a higher risk of becoming the subject of a liability claim than they think. It’s essential for homeowners to have at least $100,000 in liability coverage since even small accidents can lead to costly claims.
Many people pledge to be smarter with their spending and finances during the new year, so why not take the time to ensure that money is not being lost on unnecessary home insurance claims and payments? The team at Marchetti & Sabatelli Associates knows that when it comes to NJ homeowners insurance, sometimes all it takes is a simple review in order to identify potential gaps and risks.
About Marchetti & Sabatelli Associates, Inc.:
Marchetti & Sabatelli Associates was formed in September 2000 by joining two established insurance agencies run by owners who collectively have more than 75 years of insurance experience. The agency was founded on a mutual philosophy of personal, professional service. As a full-service insurance agency, Marchetti & Sabatelli’s staff of insurance specialists service over 4,000 clients. The agency utilizes a state-of-the-art computerized rating and management system to offer a comparison of rates and coverages from several companies and enable its staff to instantly create the insurance documents clients need.