What Should You Know About Auto Insurance?

If you are a car owner from the state of New Jersey, you cannot drive your car until you purchase car insurance that is required by the state. The Insurance Outfit serving clients in Chester, NJ prepared a list of other things that you should know about car insurance. 

What Should You Know About Car Insurance?

  • There are certain factors that have an impact on the cost of your car insurance. They are your age, driving experience, marital status, location, and even your credit score. 
  • There is a difference between comprehensive and collision coverage. Comprehensive coverage protects you against damage and theft caused by such things as fire, vandalism, falling trees or rocks, and others. Collision coverage reimburses the damage caused by a collision with another vehicle or object. 
  • It will cost to insure a more expensive vehicle. Therefore, when you are shopping for a new vehicle, it is recommended to find out what your insurance will cost to insure certain car models that you are considering. 
  • Standard auto insurance will not cover a car used for business purposes. If you are planning to use your car for commercial purposes, you will have to purchase separate commercial auto insurance. 
  • The cost of auto insurance may vary depending on the insurance company. Therefore, you should compare the quotes from several different companies and pick the one that suits you more. 

The Insurance Outfit – We Will Help You Insure Your Car

If you are a car owner from Chester, NJ or any other nearby town, and you are currently looking for car insurance, feel free to contact The Insurance Outfit. Our experienced and qualified agents will help you find a perfect policy based on your needs and budget. Do not hesitate to visit our website and give us a call. 

How Does Jewelry Insurance Protect Someone?

Whether it is a brand new gold necklace or an heirloom ring passed down from generation to generation, a piece of jewelry is precious to you. That’s why losing your beloved piece of jewelry can be so painful — you don’t just lose the physical item, but also the memories associated with it. 

Fortunately, you can safeguard your priceless possession by purchasing jewelry insurance from The Insurance Outfit in Chester, NJ. Here is how jewelry insurance protects you.

Protects your memories 

An antique brooch or a gold engagement ring is not just for the beauty. Such jewelry pieces represent special memories — the vows made on your special wedding day or a cherished family member who’s no longer alive.

Jewelry insurers understand better, and hence they promise to help preserve your memories by covering anything that can occur to your piece of jewelry. 

Covers damages and repairs

Your priceless pieces of jewelry are meant to be worn and not to keep on your drawers. As you wear them, you expose them to the risks of wear and tear. At some point, they may get damaged, requiring repairs. The associated costs can be huge for you to bear, and that’s why you need jewelry insurance.

Protects against theft

Jewelry is valuable, and thieves know what they can reap if they manage to grab them off from you. If they manage to do so, it would mean losing all the memories you’ve associated with your items. Luckily, a jewelry insurer can step in and replace the items.

Buy jewelry insurance today

No one wants to imagine what can happen when an heirloom wedding ring is stolen or misplaced. This is the reason why you are strongly advised to purchase jewelry insurance from The Insurance Outfit based in Chester, NJ, to protect your precious asset.

The importance of ATV Coverage

As many residents in Chester, NJ area know, having an ATV can be fun all year round. Residents may not realize how important an ATV insurance policy can be to protect you from loss. The agents at The Insurance Outfit have put together this list of important reasons to carry an ATV insurance policy. 

Coverage is critical if you take the ATV off your property.

A large mistake people make is assuming they will have coverage for the ATV under their homeowners’ insurance policy. However, coverage may be limited to when the ATV is physically on the property. Therefore, if you would like to take your ATV off your property, it is critical to have a separate policy. 

Protection in the event of an accident 

Let’s face it; accidents can happen even with the most experienced ATV drivers. You would not drive a car if you did not have insurance, so why do so with an ATV? An ATV policy will protect you if you are held liable for injuring a third party and provides collision coverage for physical damage. 

Protection from theft 

Unfortunately, theft of ATVs happens all too often. However, an ATV policy will protect you in the event your ATV is stolen. In addition, the policy will also provide protection in the event of vandalism. 

Equipment protection 

As ATV riders know, the equipment needed to keep you safe and warm on the trails can be expensive. An ATV policy will help with the financial cost in the event you need to replace your helmet, boots, and other equipment if they are damaged while riding your ATV. 

If you would like to learn more about ATV insurance and live in the Chester, NJ area, reach out to The Insurance Outfit today. We would be happy to answer all of your questions. 

Why Should I Invest in RV Insurance?

RV insurance provides solidified protection for your travel trailer, motorhome including your horse trailer in Chester, NJ. Let The Insurance Outfit help you design the right coverage for your RV needs and enjoy an affordable price at the same time. Many Chester, NJ residents turn to RV ownership as a form of dwelling and a magnificent way of exploring the countryside. Purchasing and owning an RV is a dream come true for many Chester, NJ residents. However, the breathtaking experience associated with an RV also comes with unique risks. Contact us today at The Insurance Outfit to get a spectacular RV insurance quote for your needs. By investing in prolific RV insurance, you also will accrue the following benefits:

Protect your asset

Owning an RV is an absurd undertaking. It’s a critical investment, just like purchasing a home. Regrettably, perils like hail, fire, and theft can pose a significant risk to one of your precious investments. By acquiring formidable RV insurance from a reputable insurance company, repairs or replacement of your RV will be covered, salvaging you from paying out-of-pocket.

Liability protection

Liability insurance in your RV policy can rescue you if you propagate property damage and bodily injuries with your RV to other parties. In Chester NJ  your RV insurance might also safeguard you from risks such as accident liabilities, lawsuits, and claims.

It covers you and your passenger’s medical costs.

RV insurance instills you peace of mind due to guaranteed protection for you or your passengers boarding your RV during a road trip to any part of the countryside. If you have procured medical payment coverage, it caters to reasonable medical expenses for you and your passengers in an accident.

Protecting your belongings

With magnificent RV insurance, you can protect your possessions, such as sporting gear and refrigerators, while you are in transit. The personal effects coverage will shield your belongings from imminent perils and losses that occur while on vacation with your RV.

Our charismatic agents at The Insurance Outfit serving Chester, NJ are conversant with the RV policies that match your needs and budget. Contact us for more information about RV insurance.

5 Reasons You Should Insure Your Collector’s Vehicle

Do you have a vehicle that could be described as a classic or collector’s car or truck? If this is the case, you’ll benefit from having a specialized type of insurance. Find out exactly what that means by talking to an agent at the Chester, NJ area agency, The Insurance Outfit. 

Here are reasons why you should get insurance for your collector’s vehicle. 

1. Since classic cars increase in value and other vehicles decrease in value, conventional auto insurance just won’t be enough for your collector’s vehicle. A policy that’s written specifically for such a vehicle will account for the current value of it, otherwise known as a guaranteed value. This is the amount that you and the insurance company agree on based on appraisals and valuations of your car. 

2. There is collector-specific coverage when you have a collector’s vehicle policy. It can include coverage for spare parts, auto show medical reimbursement coverage, and no attendance required, depending on what the agency offers. You also are likely to have coverage for most of what your average auto insurance policy gives you. 

3. Collector car policies usually have lower premiums than what you’d have with standard automobile insurance. This is in large part because most people drives such vehicles less often, and as a result, there is less of a risk of getting into accidents. Also, insurers assume that owners of classic vehicles take extremely good care of them. 

4. You stand a greater chance of being able to choose your own repair shop. This isn’t always the case with standard auto insurance.

5. Protect your treasured automobile with a policy that is geared towards certain events and circumstances which are associated with having a classic vehicle. You’ll be grateful that you did when you need it. 

Chester, NJ owners of collector’s vehicles will appreciate the professionalism and care that goes into the work done at The Insurance Outfit. Reach out today if you have questions or concerns. 

Why is having wedding insurance a good idea?

Getting married is one of the momentous and exciting moments in someone’s life. At the same time, a wedding in the Chester, NJ area can be very expensive and could come with some liability risk. Due to this, having the right insurance in place to provide necessary coverage and protection is important. A wedding insurance plan offers valuable coverage that can help anyone preparing for their big day. 

Liability Insurance 

An important reason to get a wedding insurance plan is to receive liability insurance. Weddings can be very fun but come with some liability risks, including any accidents that occur at wedding-related events. The best way that you can mitigate these risks is by getting proper insurance. A wedding insurance plan will offer liability protection that can be built to cover any events connected with your wedding. Some wedding venues will require you to take out this policy. 

Cancelation Insurance

Weddings come with a lot of expenses, which could require significant deposits. If you do not have the right insurance, you could lose all the money that you have spent if the wedding has to be canceled. If you get a wedding insurance plan, it is going to give you the coverage needed to be reimbursed for your incurred costs if you have to cancel the wedding for a covered situation. 

Ultimately, anyone in the Chester, NJ area and getting married should get a proper insurance plan. Those that are looking for wedding insurance here should call The Insurance Outfit. There are many choices to make when looking for wedding insurance overage, and The Insurance Outfit can help clear it up for you. This can ensure you are fully covered and prepared for a variety of risks, which will allow you to relax and enjoy your big day. 

How Special Events Insurance Can Protect Your Next Corporate Event

Special Events insurance provides protection for corporate events just as it does for weddings and graduation parties. This flexible insurance policy helps you protect the investment your business made in its team-building weekend or awards banquet. The Insurance Outfit wants you to understand how this insurance protects your financial investment in your event whether you hold it in Chester, NJ or its surrounding areas.

What you might not know about this type of insurance is that most venues require you to obtain it before the event you host on their property. They do obtain their own insurance, but they do not want to have to use it. They contractually require you to secure commercial general liability insurance. This type of event insurance protects you from lawsuits that could wipe you out due to trip and fall accidents or other injuries incurred at the event. So, whether you hold an event at Cooper Mill Black River County Park or Hacklebarney Farm Cider Mill, you need event insurance.

Another type of event insurance protects you from needing to lose your deposit or reservation money when your event becomes rained out or snowed out. Other perils that can also cause problems this insurance covers. If a fire damages the venue or a key speaker becomes ill, the event insurance pays for the losses.

Contact The Insurance Outfit serving Chester, NJ to learn more about event insurance and how you can protect your investment in your next corporate event. Our event insurance policies can help you protect your investment in your corporate retreat, awards ceremony, or other events. Call or visit our website to learn more about how we can help you protect your financial investment in your corporate special event.

4 Benefits of New Jersey Motorcycle Insurance

While you enjoy Chester, NJ roads with your bike, you need motorcycle insurance from The Insurance Outfit to safeguard your adventurous spirit. Here, we will assist you to hit the road with confidence without worrying about accidents and other mishaps. If you are about to purchase motorcycle insurance in NJ, below are the benefits you will accrue. 

Compliance with the law

New Jersey requires motorcyclists to carry insurance when riding on public roads. Failure to ride with motorcycle insurance may result in fines ranging from $300 to $1,000. Other fines and penalties include license suspension, community service, and jail time. 

Asset protection

While New Jersey requires motorcyclists to maintain liability coverage, this insurance doesn’t protect your bike. It covers bodily injury and property damage to third parties. However, when you have comprehensive and collision coverage in your insurance, your insurer covers the repair and replacement of your bike following an accident.

Covers third party costs

When you are involved in an accident, losses don’t occur to you only. You can cause bodily injuries and property damages to other motorists and road users. Thankfully, if you have motorcycle insurance, the liability coverage pays for third-party costs up to your coverage limit. 

Medical payments

While the thrill of riding your bike is second to none, motorcycles can lead to catastrophic accidents. Whereas protective gear like helmets and other protective clothing help to keep you safe, bike accidents can still lead to severe injuries, including broken bones, whiplash, head injuries, and bruises. Without health insurance, you would incur significant out-of-pocket medical expenses.

Since the no-fault insurance law doesn’t apply to motorcyclists, riders without health insurance should seriously consider PIP or MedPay coverage.

Buy NJ motorcycle insurance today!

Are you shopping for motorcycle insurance in Chester, NJ? Look no further than The Insurance Outfit. We understand that no one-size-fits-all motorcycle insurance. As a result, we provide customized motorcycle insurance to cater to many needs. 

Safety precautions to take when boating alone

Safety precautions to take when boating alone

For most boating enthusiasts in Chester, NJ, it’s not always possible to have someone to sail with. But that doesn’t mean boating shouldn’t be fun. Boating alone requires some rigorous boating safety regimen and good seamanship. Things change quickly in water, and any slip, nearby vessel or harsh weather can send you overboard, with no one to rescue you. The insurance Outfit recommends having adequate boat insurance and skills and tools to help you stay safe. Here are some of those precautions:

Always wear a life jacket

Safety begins with small things such as wearing the right water gear. Go for a great life jacket whether boating alone or with the company, such as an automatic inflatable suspenders-style jacket, which does not interfere with your boating activities.  That means you can wear it throughout the day.

Make sure your boat is seaworthy

It’s also worth checking your boat before you begin any boating activity. Make sure it’s in tip-top condition before entering the water. Some of the areas to check include; anchor light, leaks and holes, and other boating equipment.

Always have a change of clothes and supplies onboard

You never know what could happen while you’re out there alone. In case you slip and fall into the water, your life jacket can help you get back on board, and a pair of clothes can be a lifesaver. Similarly, if something happens, maybe the weather changes, and you are unable to go back to your starting point in Chester, NJ, some food, flashlight, blankets and other supplies can be beneficial, especially if you may have to spend the night out there.

Don’t forget about boat insurance; you, your passengers, and your boat need it. If you don’t have one, our insurance agents at The Insurance Outfit can get a customized policy just for you. We are just a call away.

4 Reasons You Should Buy Umbrella Insurance

Here at The Insurance Outfit, we get these questions from our Chester, NJ clients: Do I need umbrella insurance? What does it cover? If you would like to understand more, please stick on as we navigate the ins and outs of umbrella insurance.

What is umbrella insurance?

Umbrella insurance is the extra liability protection designed to protect you from significant claims exceeding your current insurance plans. It takes over when your auto, boat, or home insurance limits are exhausted.

Most people assume that umbrella insurance is for the wealthy. While that statement is partly true, umbrella insurance is apt for anyone earning a livelihood. To that end, you should buy umbrella insurance for the below reasons. 

Claims can be expensive 

If you own a pet, boat, or vehicle, you are taking many risks if you are carrying inadequate insurance. Assume you are involved in a significant car accident, and you are at fault. Yes, you might have the minimum state-required liability coverage, but it isn’t enough to cover the arising property damage and medical costs liabilities. What’s next? If you don’t have umbrella insurance, you may find your assets and future earnings on the line. 

You could be sued

Unlike your typical liability coverages, umbrella insurance protects you against claims of libel, slander, and false arrest. 

You interact with people

Are you or your family member in the online space? With the growing popularity of social media, a post or a tweet can land you in a legal disaster. When faced with legal suits of defamation or slander, the cost of defense alone can cost you tens of thousands of dollars. Add the settlement costs, and you can see how legal suits can ruin your life if you don’t have umbrella insurance.

It’s affordable

Unlike popular misconceptions, umbrella insurance is surprisingly affordable. You don’t believe it? Talk to us, and see how affordable umbrella insurance can be.

Would you like to purchase umbrella insurance? Give us a call today at The Insurance Outfit in Chester, NJ. Our team will help protect you and your loved ones at an affordable price.