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Prime Insurance Agency Blog

All You Ever Wanted to Know About Insurance

Home Insurance is the best gift you can give to your house.

Its Protection Where it Counts.


Your NJ home may be where your heart is, but it is made up of much more than that. Your home is composed of the actual structure and all of the contents within: furniture, stove, refrigerator, computer, entertainment center, sewing machine, clothing, jewelry, exercise equipment, sentimental objects and a host of other things you call your stuff.  

Like most folks, you hope to be spared from the bad things you read and hear about happening to other people. Yet, things can happen to anyone – even you.  

Imagine if:

  • A burglar creeps in and robs the contents of your house
  • Your property is vandalized
  • There’s a destructive fire
  • Any other  damaging event occurs

You can be responsible if things happen to other people as well.


Think about the consequences if:

  • A guest trips over a dangling wire in your house and breaks his foot
  • The neighbor’s car is damaged by the overhanging falling branch of your tree
  • You’re faced with a lawsuit as a result of another event that you may be liable for.

    Without the protection, you are left alone to bear the brunt of possible calamitous financial losses.

    Homeowner Insurance: a policy for protection as well as peace of mind

    What does home owners insurance cover?

    Standard NJ homeowners insurance includes coverage for

    1. Your home’s structure and related edifices, such as a garage or storage shed
    2. Your personal possessions
    3. Liability protection if someone is injured or their property is damaged on or because of your premises
    4. Additional living expenses, required due to the temporary displacement as a result of home damage

    What is the best homeowners insurance?

    Of course house insurance policies vary, with differing deductibles and limits. Based on your location and individual situation so do your needs. An experienced and reliable independent insurance team talks to you and uses a home insurance calculator to evaluate your true requirements. Then, they offer a selection of appropriate plans from leading home insurance companies and search the spectrum of homeowner quotes to find the right deal at the right price. 

    Give yourself and your home the gift that lasts: Home Insurance tailored to you. 

    PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


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