Update Your RV Insurance For That Winter Trip

RV camping during the winter months can be a perfect time to bond with the family, hit the slopes or stay inside and enjoy a winter wonderland. It can also be a time to update your RV insurance in the event of cold-weather hazards or mishaps. If you’re headed for winter-weather fun, The Insurance Outfit of Chester, NJ can help you review your policy and make sure it’s up to date.

Review the Type of Coverage You Have Before Your Trip

RV Insurance encompasses different types of coverage. Liability is required, then there’s comprehensive and collision. But there’s also vacation coverage, emergency expense coverage and other additional or supplemental coverage.

If you’re not sure what you’ll need for your winter adventure, you should contact an insurance agent for advice on the best coverage to protect your investment during your excursion.

Check Your Coverage Limits and Consider Purchasing Additional Coverage

If you’re carrying the minimum required amount of insurance, your policy likely has limits to what’s covered. So, any additional equipment, and gear in your RV may not be covered. Perform an inventory of all the contents you’ll carry in your RV during your winter trip to ensure you get adequate coverage. 

For example, if you’ve got snow toys like skis, snowboards or even a snowmobile in tow, you’ll want to review your policy to make sure they’re covered. If not, consider updating your policy to protect these items in case of unforeseen events.

Contact An Agent to Update Your RV Insurance

You want to have an enjoyable experience winter RVing, so it’s important that your RV has the protection it needs. Don’t spend your vacation worrying about the what-ifs of not having adequate coverage. Contact The Insurance Outfit in Chester, NJ today!


How Is Collector’s Vehicle Insurance Different From Regular Auto Insurance

Those who reside in Chester, NJ and wish to insure their entire auto collection do not always know where to turn. It can be tough to discern the differences between a collector’s vehicle insurance and regular auto insurance. Fortunately, The Insurance Outfit is here to provide the necessary insights. 

Generalities Are Used

An insurance company in Chester, NJ is usually going to rely on generalities in order to make a decision. The vehicle cannot be any less than 15 years old. In some instances, the insurer may even mandate that the vehicle needs to be at least 25 years old. The policy that is shaped by the motorist will take these factors into account. This is not something that a regular auto insurance policy will focus on. 

Depreciation Is Discussed

The motorist must prepare themselves for this discussion beforehand. The difference between collector’s vehicle insurance and regular auto insurance is that this consideration does not have to be made for a typical policy. Depreciation is always going to impact the value of a car in these instances but when it comes to collector’s insurance, the effects tend to be far more pronounced.

Separate Cars Must Be Discussed

A regular auto insurance policy focuses on the coverage of a vehicle that the motorist utilizes on a daily basis, in the majority of instances. Meanwhile, a collector car is not going to be driven regularly. A policyholder can find deep discounts by taking the time to prove to the insurance company that they are not going to be using the collector car on a regular basis. By offering proof of a different vehicle for daily usage, the motorist steers clear of higher costs.

If a prospective client has any further questions on these matters, the good folks at The Insurance Outfit are here to help. Be sure to schedule a consultation meeting as soon as possible. 

Why you should consider wedding insurance

With the cost of weddings these days, protecting your special day with wedding insurance can be a very good idea. The Insurance Outfit in Chester, NJ has the information that you need before you decide if this coverage is right for you. Having made a major investment in the perfect day, it is important that no matter what, things can go forward without a hitch.

One never wants to think that bad things happen but life is uncertain and as most people know, what can go wrong, will go wrong. Wedding insurance offers protection against some of these things. It comes in two different parts, liability insurance, and cancellation insurance. They can be purchased together or you can choose only one. 

Wedding liability insurance

Wedding liability insurance is a type of event insurance and it can protect you if someone is injured or theft occurs at your event. You should check with both the venue and your homeowner’s insurance before you purchase this type of coverage. You may find that it is already being covered.

Wedding cancellation insurance

Wedding cancellation claims are the most common with event cancellation, vendor issues and venue damage amounting to almost two-thirds of all claims. Weather is one of the many factors in these claims and depending on the time of year that your wedding is being held and the location, it may be something that is important for you to consider. Another is vendors or venues going out of business or sustaining damage and being unavailable. 

What could be worse than having something catastrophic happen and it affect your wedding? If you live in or near Chester, NJ The Insurance Outfit will be happy to discuss the different types of wedding insurance and whether they are something that you need to consider.

3 Things You Need to Ensure a Safe Event

Hosting an event requires you to be as diligent as possible when it comes to safety measures and ensuring everyone has a good time without risking an injury or an accident of any kind. In Chester, NJ, you can call The Insurance Outfit if you are planning on hosting a large event and need advice on how to keep your guests as safe as possible. They have the answers you are looking for and will be able to guide you in the right direction.


Depending on the type of event, you may want to hire a security company. Having a few individuals on the premises to make sure everything goes according to the plan. In most cases, nothing happens out of the ordinary. It’s always a good idea, however, to have a few security members on hand.

Professional Set-Up

If you plan on having any type of lights or entertainment on hand, make sure all of the equipment is set up by professionals. This will ensure all of the electrical cords are connected correctly. A blown fuse or circuit can ruin the entire night.

Liability Insurance

Lastly, having liability insurance in place will protect both you and your guests if an accident does occur. Having the venue set up and inspected so that it meets the requirements of the insurance policy is a great way to ensure everything is as it should be before the event starts.

In Chester, NJ, the staff of The Insurance Outfit is always available if you have questions about what to do prior to setting up for your event. They have all of the answers you need! Call them today.


New Jersey Helmet Laws

When riding on a motorcycle in New Jersey, be sure you have adequate motorcycle insurance. Check your coverage with the help of an agent at The Insurance Outfit serving Chester, NJ and the surrounding area. Always wear a helmet.

New Jersey safety law requires anyone operating or riding on a motorcycle to wear a helmet that passes the certification requirement of the U.S. Department of Transportation (DOT). The DOT standard is the minimum legal requirement; however, it is not the strictest standard. There is also a voluntary standard, used by helmet manufacturers, called the Snell standard, which is more rigorous than the DOT standard.

How are motorcycle helmets tested?

Surprisingly, the DOT certification program is done on the honor system. Each manufacturer is allowed to claim their helmet meets the DOT standard. Some spot checking occurs by the government; however, not all DOT-certified helmets are checked by a third-party testing facility.

The Snell standard is a certification that only comes after passing actual laboratory testing. In the test, the helmet, covering a head-shaped form, is dropped through guides to hit a steel anvil that has either a flat or a curved surface.

Each helmet has four impact areas tested. Then, Snell measures the severity of the impacts. Helmets that are Snell-certified are more trustworthy. All Snell helmets meet the DOT standard but not the other way around.

Safety First

Riding motorcycles is fun. Protecting your head is very important because many fatalities occur when riders have an accident and are not wearing a helmet. Moreover, if a helmet survives an accident it should be disposed of and a new one bought to replace it because it no longer has the structural integrity to provide protection.

If you are new to the area, thinking about buying a motorcycle, or are not sure you have enough insurance, contact an agent at The Insurance Outfit in Chester, NJ to get an insurance review and a quote for motorcycle insurance coverage.

Is Boat Insurance Required in New Jersey?

Your watercraft is one of the most important investments you’ll ever own. From salt water treks across the open sea to a weekend fishing trip on calm lake waters, every trip you make offers an adventure of a lifetime. However, spending any time on a boat will leave occupants at risk for accidents, collisions, or weather related destruction that may completely ruin your special investment. Before putting your boat out on the water in Chester, NJ, it’s important to understand your individual insurance needs for your watercraft, and whether owning a coverage policy is required by law.

Boat insurance is not required by the State of New Jersey, but it is highly recommended for anyone who intends to be out on the water in their own craft. There are several unique types of boat insurance policies available for all different kinds of individuals, including:

  • Agreed Amount Value for repairing or replacing a boat up to a specified amount in the insurance owner’s policy.
  • Actual Cash Value Coverage for factoring in the depreciation amount of a boat before repairing or replacing it.
  • Replacement Cost Coverage for expenses related to repairing or replacing a boat. Your local insurance agent can help you to decide if this type of coverage is for you.

For more information about the types of boat insurance available to you, reach out to the team members at The Insurance Outfit, your coastal experts on policy for watercraft and beyond. Located in Chester, NJ, The Insurance Outfit has consistently brought the residents of New Jersey some of the most comprehensive boat insurance policies available on the market. Call or visit our office now to learn more about how we can better serve you and start building the perfect boat insurance policy today.

How Umbrella Insurance Protects Your Assets

One of the main reasons to have an umbrella policy in Chester, NJ is to protect your assets. It can be impossible to predict whether you might win or lose a lawsuit that comes from an accident at your property or following a car accident, even if you have the best lawyers. You also can’t predict the amount of money that you could be responsible for paying. In order to protect yourself from lawsuits, you need to consider an umbrella policy.

An umbrella policy is a separate insurance policy that will exceed the coverage above and beyond what is typically provided in your auto and home insurance policies. An example of how this policy can protect your assets is as follows. If you have an auto insurance policy that pays out $300,000 for medical expenses but you are sued for $900,000, then you would still have to pay the remaining $600,000. However, if you have an umbrella policy in place, it will cover the rest so you don’t have to pay out of pocket. You can get an umbrella policy with coverage from $1 million to $5 million and possibly more if you have significant assets to protect. An agent at The Insurance Outfit can help you decide how much umbrella insurance is needed to protect your assets.

Umbrella insurance will also help with legal expenses. Since it’s the insurance company’s money at risk when you are sued, with this policy the company will likely want to protect their interest with their own legal team. This can be better than what you could afford on your own, further protecting your money. Assets that can be up for grabs in a lawsuit include your home, vehicles, savings, retirement accounts, and future earnings.

Contact The Insurance Outfit, serving Chester, NJ, to get a quote on an umbrella policy. 

Protect Your Family With Disability & Long Term Care Insurance

Protecting your family in Chester, NJ should be your top priority. Unfortunately, you never know what could happen. If someone gets hurt or contracts a disease, you need to know that they can get the long-term care that they need.

At The Insurance Outfit, we can help you with disability and long term care insurance products.

How to Protect Your Family

There are a number of ways for you to protect your family. What’s important is that you look at how you’re protected in regards to what could happen. If you hurt yourself and need to go on disability, either temporarily or permanently, how is that going to impact your family?

Having the right disability insurance will provide you with the money to continue living in the way that you have grown accustomed to. It provides you with the peace of mind needed to get you through the year, too.

Go Above and Beyond Medical Coverage

You will find that long term care insurance goes above your medical coverage. Often, medical insurance will only take care of you for a certain number of days in a hospital, nursing home, or rehabilitation program. What happens if you need to be there for weeks, months, or even years? Having the long term care will ensure that you can get the care that you need without worrying about extensive medical bills piling up.

There are plenty of options available for disability and long term insurance for you to explore. By working with an independent insurance agent, you can learn about the options that work best for you and your family. We will tell you the various policies and recommend specific insurance products that fit within your budget.

When you’re in Chester, NJ, you can turn to The Insurance Outfit for help. Contact us today to learn more about a policy that can protect your family.



Does Health Insurance Cover Siblings?

Health insurance is something that we can all benefit from greatly. That being said, it is always best to learn just what your policy covers so that you can be sure what you are getting into and what you are going to be able to use your insurance for. For those in the Chester, NJ area, the agents with The Insurance Outfit can help you find the right policy for your needs.

When it comes to health insurance the guidelines for who can be covered by what policy are pretty strict. In order to be on a policy with an adult, you have to be a dependent or a spouse of that adult. This means that if you have a wife and three kids, you can put your wife and three kids on that policy. If you have an adopted child you can put them on your policy, if you have a parent that lives in your home and is legally your dependent, you can put them on your policy. With children, they can stay on the parent’s insurance until they are 26 years old.

Basically, you have to legally be the dependent of the policyholder in order for them to put you on their insurance policy. This is to make sure that people do not add everyone they know just to get a better discount on their insurance. It is important that you take the time to find out just who can be added to your policy before you attempt to add them so that you can make sure you have a legal claim to adding them to your policy. For those in the Chester, NJ area, the agents with The Insurance Outfit can help you to find the right policy for your needs.  

Life Insurance as an Investment in Chester, NJ

Life insurance policies are important for a number of reasons, and they should be seen as an investment in your future needs. The Insurance Outfit can help you lock in rates now and get coverage at the best time in order to take advantage of the benefits of investing early. 

Life insurance is generally associated with the death benefit for those who want to protect their families financially if they have an accident or sudden health problems. However, life insurance can also be an important investment, especially if someone buys and maintains a policy from a young age. 

While many factors affect a life insurance policy, those who start to pay at a younger age will receive much lower premiums because their risk of dying anytime soon is negligible. Younger people are also at a much lower risk for a number of significant health problems that do not start to develop until middle age and older. By locking in rates on a term policy at a younger age, you will also get much more favorable rate if you start to have children or get married at a later date, which will also increase the price because of dependents. 

It is beneficial to think of the reduced costs associated with getting life insurance early as an investment in your future. Once someone already has a family and children, they may have to put off life insurance due to many other priorities, which can create other problems. 

Talk to an agent about life insurance now

For those who need help with life insurance in the Chester, NJ area, The Insurance Outfit can help develop a policy that is right for you.