In the Chester, NJ area, there are a lot of types of insurance coverage to consider getting. With the right coverage, you can protect assets, reduce liability costs, and obtain other forms of insurance support. When you are looking to improve your insurance positioning, you should also consider your health insurance needs. There are multiple reasons that the typical person here will need to carry this coverage. 

Have Access to Affordable Care

One of the reasons to get a proper health insurance plan in New Jersey is to ensure you can gain access to affordable care. Anyone that has had to receive a medical procedure or emergency care will know how quickly medical expenses can add up. If you are properly insured, you can help to manage these costs as you will have coverage, annual caps, and other protections to limit your personal expenses to receive quality care.

Remain in Compliance with Requirements

You should also get a health insurance policy to ensure you remain compliant with any obligations. All people across the country today are obligated to carry proper health insurance at all times. You will typically need to offer evidence of full coverage when tax returns are filed. Without appropriate evidence of health insurance coverage, you can face various penalties and fines. 

Anyone that is in the Chester, NJ area needs to ensure they remain covered with health insurance. When you are looking for a new plan in this area, it would be helpful for you to call The Insurance Outfit. There are a lot of decisions and choices to make when you are looking for a new health insurance plan. The professionals with The Insurance Outfit can give the support that is needed to build a plan and help ensure you are properly covered. 

If you are in the greater Chester, NJ area and want to protect your future, it’s time to meet The Insurance Outfit. Our team is here to help you with all of your insurance needs, including disability policies. If you would like to learn more about this effective policy type, give our office a call today.

Protect your future with a disability policy

No one knows what the future holds, but that doesn’t mean that we can’t take steps to prepare for the future. We all want to enjoy a full and healthy life, but unfortunately, that does not always happen.

If you want to make sure that you have the protection you need should you succumb to a disability in the future, now is the time to begin planning. With the right disability policy, you can be covered in the event that you are no longer able to work or fully care for yourself. Some employers do provide some amount of disability protection, but those policies are usually for a short-term event and are no longer in place once you leave that job.

By having your own disability policy in place, you can face the future knowing that you have coverage for many unexpected events that can happen. Protecting one’s health is becoming more and more important. And if you are no longer healthy enough to work, it can have a significant effect on your quality of life. Now is a perfect time to learn more!

Find out more about your options today!

Chester, NJ area residents can get all of their insurance needs met by working with The Insurance Outfit. If you want to find out more about how a disability policy can help protect your future, give us a call today!

All-terrain vehicles (ATVs) are used to adventure all types of terrains, ranging from the woods to open fields. While ATVs are specially-designed for safety, they are still vulnerable to accidents. But don’t worry because ATV insurance from The Insurance Outfit of Chester, NJ can protect you and your vehicle as you immerse yourself in a world of fun. But what does ATV insurance cover? Is it mandatory? Here is a FAQs section to help you learn more about ATV insurance.

Is ATV insurance mandatory?

Since ATVs aren’t supposed to be driven on open, public roads, ATV insurance isn’t mandatory. But even though you drive your ATV on private land, accidents can still happen to those around you. And as you know, liability claims can be quite expensive. For this reason, you need ATV insurance, whether mandatory or not.

What does ATV insurance cover?

Your ATV insurance contains coverages similar to your auto insurance. Here are some areas covered by ATV insurance:

• Liability claims: ATV insurance covers liabilities for injuries and damages you cause to third parties. Better yet, it also covers you when sued.
• Physical damage protection: Comprehensive and collision coverages pay for the loss or damage sustained by your RV. These coverages protect your ATV from perils like fire, accidents, theft, falling objects, and certain natural disasters.
• Medical Payments: The same way property can be destroyed in an ATV accident, you can also suffer injuries that need medical attention. As such, ATV insurance can supplement your health insurance to cover your medical bills.

Is ATV insurance expensive?

Since your ATV isn’t a daily drive, ATV insurance is significantly cheaper than insurance for your vehicle. Still doubting? Talk to The Insurance Outfit, and you will be surprised how affordable this coverage is.

Where can I get ATV insurance in Chester, NJ?

Looking for ATV insurance in Chester, NJ? Please get in touch with The Insurance Outfit. Our team will take you through the different ATV insurance options and help you choose the right coverage for you.

You are taking stock of the jewelry under your possession, and you are just thrilled by what you see. From the ruby necklace heirloom you got from your grandma to the engagement ring on your finger, these pieces of jewelry evoke fun and memories. You might think that the jewelry box is the safest place, but what if you lose your precious jewelry through burglary or fire? Folks, that’s where jewelry insurance from The Insurance Outfit in Chester, NJ comes into play.

What is jewelry insurance?

You might think that standard home insurance covers your jewelry, but this insurance policy only provides limited protection. Home insurance protects your jewelry from perils like fire, theft, tornado, and vandalism but usually limits the coverage to a maximum of $1,500, especially for theft. Why is the limit so low? Because jewelry is precious and so easy to steal!

Given the value and attachment you have for jewelry, you can’t take chances by just relying on home insurance. Stand-alone jewelry insurance gives optimal protection for your valuables by giving higher and broader coverage compared to home insurance.

What does jewelry insurance cover?

The thought of losing that valuable ruby necklace or engagement ring doesn’t sit well with you. But because you can’t prevent perils 100%, you need jewelry insurance to protect your high-priced items. Jewelry insurance covers the below:

• It covers the loss of your jewelry through theft, accidental loss, and damage to your jewelry
• Covers part loss of your jewelry. For instance, if you lose one diamond earring
• Covers your jewelry even on international trips

There is the obvious misconception that home insurance covers your jewelry just like other assets. The truth is that home insurance gives little coverage for your jewelry. That said, you need jewelry insurance for optimal protection. Ready to buy jewelry insurance in Chester, NJ? Please get in touch with The Insurance Outfit for a competitive quote. 

Ever heard of RV insurance? For those not familiar with RV insurance, it’s an insurance policy protecting recreational vehicles of all kinds. Whether it’s a campervan, motorhome, travel trailer, fifth wheel, or any other kind of vessel classified as a recreational vehicle, RV insurance got your back. Do you reside in Chester, NJ and own an RV? Below are the 4 benefits you accrue if you purchase RV insurance from The Insurance Outfit.

Protects your asset

Besides the monetary value, putting a price on your RV is quite something. Your RV is a place you have created many memories. Given that your RV is a precious investment to you, you need RV insurance to protect it from accidents, natural disasters, theft, and burglary.

RV insurance compensates you for the damages you incur from accidents and other perils. It can also compensate you for the entire RV if it’s totaled or stolen.

Liability protection

Sometimes mishaps can happen on the road. Unfortunately, if you are at fault, you could be held liable for injuries and damages you inflict on other people. Worse yet, you can be sued by the aggrieved parties, worsening your financial burden. The good news is that RV insurance can cover liability costs, including legal costs.

Personalization

RV insurance isn’t a one-size-fits-all coverage. It has numerous coverages to help you choose the best options for you. From comprehensive, collision, MedPay, liability to personal items coverage, there is a wide range of coverages you can pick for your recreational vehicle.

Peace of mind

RVs are meant to be fun. And one way to ensure that the fun rages on is to invest in RV insurance. This way, you don’t have to think about accidents and other risks while enjoying your RV.

Invest in RV insurance in Chester, NJ

If you want to enjoy your RV to the fullest in Chester, NJ, consider RV insurance from The Insurance Outfit. Contact us today, and we will give the coverage that suits your budget and lifestyle.

When you have a boat in New Jersey, you have to comply with maritime law, even if you don’t have boat insurance. One important component of maritime law is that you are unable to move your vessel beyond what are called navigational limits. 

That is typically approximately 250 miles from the shore from where your boat is located. In the event that you go outside of these navigational limits, you can use navigational extension coverage to cover any liabilities you might incur with that.

At The Insurance Outfit, we want Chester, NJ boat owners to be protected against every risk and liability. We can help you to understand why navigational extension coverage is important.

Navigational Extension Coverage

It happens. You are having a great time on the boat, and weather arises or you sail farther than you intended to. You could have an accident outside your limits, or get in trouble with the Coast Guard.

Navigational extension coverage helps you to understand where you can and cannot take your vessel. It will also protect you financially in the event that an accident happens. 

Navigational Limits Insurance Terms

Understanding the terms of navigational limits will help you to get the most out of your insurance policy. Most boat insurance policies will contain the terms of “port risk afloat” or “port risk ashore.”

The term afloat in your policy will mean the boat is in the water but isn’t navigating. The term ashore means that you have brought your boat in and off the water. 

If your policy only covers inland and coastal areas, you will not be permitted to go more than approximately 5 miles away from the shore. If something happens when you are farther away, your boat insurance will not cover it. 

Get a Quote

New Jersey boat insurance terms can seem confusing, particularly when it comes to navigation limits. At The Insurance Outfit, we want Chester, NJ boat owners to know their limits, and have coverage for them. Call us for a quote today.

When you own a home or a business in New Jersey, you expose yourself to a host of liabilities, regardless of how responsible you might be. Your general liability coverage in your home and commercial insurance policies will be a great start. However, you may want to increase your liability protection with the liability coverage known as umbrella insurance.

Umbrella insurance protects you from lawsuits when an accident happens, at home, on the roads, or at work. At The Insurance Outfit, we want Chester, NJ residents to be covered through every liability.

Lawsuits are one of them, and they can crop up at any time in your life. Here are 3 kinds of lawsuits umbrella insurance can help you get through.

Auto Accident Lawsuits

If you are in a car accident where you are found to be responsible, your liability insurance on your auto insurance will cover the costs of lost wages and medical costs for the other party. That happens most of the time.

But sometimes, a lawsuit happens where the costs far outweigh your auto insurance limits. Umbrella insurance can help you with that, as umbrella insurance typically has a higher coverage limit that can be over $1 million.

Accidents at Home

If you have a party and a guest falls and seriously hurts themselves, or your dog bites a stranger when you’re out for a walk, the general liability insurance on your home insurance will cover that, most of the time. Dog bite lawsuits and slip and falls are a significant problem for insurance companies, because they can be extraordinarily high, and cause serious life-changing injuries.

An umbrella insurance policy can help you here because the liability coverage on your home insurance just won’t be enough.

Defamation Lawsuits

Sometimes people say things in the heat of the moment and it turns into a defamation lawsuit. It won’t matter if you meant to say something or didn’t, if you are held liable in one, it could cost a fortune. Umbrella insurance is there for you here as well.

Get a Quote

If you are worried about financial losses if you were met with an unexpected lawsuit, umbrella insurance can give you some peace of mind here. At The Insurance Outfit, we want Chester, NJ residents to be covered for every potential financial loss when it comes to lawsuits. Call us for a quote today.

The Insurance Outfit provides coverage to the Chester, NJ community. We sit down with each of our clients to help them evaluate their options. We offer flexible policies that evolve as our clients’ needs change over time. We proudly serve the community as an independent agency.

Tips To Help New Jersey Residents Find Health Insurance

Health insurance covers you in emergency situations when you are injured or not feeling well. If you have to go to the emergency or urgent care, health insurance will cover you. If you are seriously injured, health insurance can cover your rehabilitation. Health insurance also covers any medicine that your doctor recommends that will help you feel better. Even if you are feeling well, health insurance covers preventative care, such as your yearly check-ups. Here are some tips to help you find the right policy.

Your Overall Wellness

Before choosing a policy, consider your overall wellness. Perhaps you are a healthy person with a local Chester, NJ gym membership. Your coverage may be different compared to someone who has a history of health issues.

Review The Network

Your health insurance policy will include a network that outlines the doctors and hospitals that you are allowed to see and maintain coverage. Research the network to make sure that you are compatible with the choices.

Extra Coverage

Look over the policy to see if you can add extra coverage, such as mental health treatment. You can also check to see if innovative procedures are covered such as laser surgery.  

Maternity Care

If you are a new parent, you want to check your health insurance policy to see if your maternity and newborn care is covered.

The Insurance Outfit Will Help You Protect Your Assets

Visit our website to learn more information about health insurance.