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9 Fun Facts about Hurricane Names

Though Hurricane Sandy was anything but fun, I couldn’t get over the fact that my neighbor and good friend was connected to the fast moving tropical storm by sharing the very same name. The relationship didn’t add...

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Mobile Home Residents: How to Protect Yourself from a Hurricane

The National Hurricane Center cites peak season for tropical storming from the middle of August to the end of October. For the mobile home owner in particular, the risks are even more significant. For this reason, it...

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Insurance Claims: 8 Sobering Holiday Accident Facts

Labor Day, Thanksgiving, X-mas, New Years, Memorial Day, Fourth- of- July Weekend: these mark celebratory dates when Americans travel, party and host. Unfortunately, more accidents occur on these special days than...

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What You May be Missing even with National Flood Insurance

The National Flood Insurance Act was created in 1968 to protect home and property owners in flood-prone areas. Although home owners in designated flood zones may have purchased NFIA insurance protection for...

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When Insurance Becomes Funny – 6 Jokes about Serious Stuff

Insurance matters can be serious stuff, yet as the weekend nears, we felt it’s time to take the edge off of a busy work week. Join in the fun presented by Prime with these funny pieces of insurance witticism! An...

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Tenant Occupied Home: Do You Have the Right Insurance Policy?

Insurance agent Laizer Schonbrun relates the following about a tenant occupied home client. “Someone reached out to us here at Prime Insurance complaining about how the bank placed forced coverage on his tenant...

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Are You Prepared for a Destructive Hurricane?

U.S. cities to take the biggest brunt of hurricane beatings in 2017 are listed in severity as: Cape Hatteras, NC Delray Beach, FL Hollywood, FL Deerfield Beach, FL Florida City, FL Grand Isle, LA Ft. Pierce, FL ...

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Not-So-Fun Facts about Floods

A PRIME Insurance Special Report - It’s about 9:20 Friday morning on July 6th in Lakewood, NJ. The early morning’s heavy rain has subsided. There is no longer a need for my windshield wipers’ winding actions. I make...

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Fun Facts about Keeping Cool during a Heat Wave

Extremely hot temperatures are forecast for the coming days in many US states, including NJ, NY, PA and MD. Thankfully, we find ourselves in an era where we can enjoy the comfort of indoor air conditioning. Back in the...

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Do You Have Proper Insurance for Your Vacant Home?

An unoccupied home has a much higher damage incident rate than an occupied one for the obvious reason –lack of a human presence that monitors risks, such as vandalism, theft and safety issues. The sobering national...

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Will My Homeowners Insurance Cover Sinkhole Damage?

If you happen to live in FL, TX, AL, MO, PA, TN, or even KY, you probably are acquainted with the possibility of a sinkhole on your property. With limestone and other types of the soil’s rock prone to cracks...

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Hot Facts about Volcanoes You May Not Know

Volcanoes: Insurance Facts and More - While volcano insurance is not available, those in risky spots should consider an all-risk policy that can cover related hazards that are excluded in a standard Homeowners...

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Does Home or Auto Insurance Cover Volcano Damages?

What has been called active volcanic fountaining on Hawaii’s Big Island has left residents in devastation, with homes, vehicles and other property incurring extensive damage. For these Hawaiians and others that live...

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Why Cheap Home Insurance May Not be a Bargain

A True Story from the Files of PRIME Insurance - Rachel from our Personal Lines Department shared her recent success story. When a NY client told me that he was able to get a much cheaper insurance rate for an ...

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Someone Damaged my Mailbox, Will Insurance Compensate?

Newly built homeowners join millions of other Americans who collect their mail from curbside boxes. For the US Postal Service that instituted the change, it translates into a multi-billion cost-saving effort....

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Homeowners Insurance: How to Make a Home Self-Inspection

- PRIME Insurance Presents UPC’s Home Self-Inspection - Prime Insurance proudly partners with UPC to announce the UPC Home Self-Inspection Program! This novel HSI option enables home insurance clients to opt for a do-...

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Home Insurance: How to proceed if my Dog bites a Person?

Ask the insurance pros. They’ll verify the truth that dog owners are hesitant to believe: dog bites really are more commonplace than you may believe. Dog bites and related injuries and damages, in fact, were the...

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Carbon Monoxide Risk: How to Safeguard Your Home/Business

A PRIME Insurance Safety Bulletin - The Centers for Disease Control and Prevention cautions homeowners, renters and businesses about carbon monoxide poisoning. According to findings, there are hundreds of related...

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Does My Home Insurance Cover My Precious Jewelry?

Jewelry has much more value than its intrinsic worth. Oftentimes the added sentimental value makes it priceless. While related insurance may not help you get over the emotional aspect of any loss, it can help by...

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How to Keep Safe when Lightning Strikes

Lightning is that quick flash of naturally released high-voltage electricity that occurs during a thunderstorm. It is extremely dangerous, and results in approximately 60 related fatalities per year. Heating up to...

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Santa Rosa Fire: Why Homeowners Insurance needs Evaluation

The Santa Rosa fire of October 2017 presently ranks as the most destructive wildfire in California. Known as a violent firestorm that was spurred on by whipping wings, it destroyed entire neighborhoods, devastating...

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How the Government Shutdown Affects National Flood Insurance

In midst of a federal government maelstrom where a shutdown brings a cutoff of services, the National Flood Insurance Program is not exempt from the pinch. When the government’s spending authority is put on hold, home...

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How to Prevent a Fire or Burn from Microwave Cooking

Whether you are using your microwave for a quick popcorn snack or for heating up a meal, today’s cooking certainly has become easier due to modern-day’s rapid cooking device. While the convenience associated with...

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How to Keep Safe during a Nuclear Threat

A nuclear emergency is a potential reality that we need to come to terms with. This includes being prepared with a ready emergency kit consisting of: at least 14 days of non-perishable food and sealed water...

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Have You Checked Your NJ Home for Radon?

Attention NJ home owners and renters: The NJ Department of Health in conjunction with the NJ Department of Environmental Protection is advising about the risks of radon in property located within the state. In a...

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Why Jewelry Insurance Didn’t Cover a Theft

The title of this blog may throw you off a bit. So, we’ll begin the story with the lesson. Take note: jewelry insurance will never cover a theft if the coverage was never acquired. Related: insurance for the diamond...

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Fun Facts about Dressing for the Winter Chill

It’s cold. So cold, in fact that the weathermen are talking about record-breaking lows and that’s nothing to sneeze about, even though plenty of us are doing just that. For the fun of things, let’s take a look at...

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Will Homeowners Insurance Cover Skunk Spray Damage?

The cold temperatures of the winter were reaching record breaking lows. Though going outdoors involved layering on the warm clothing and bracing ourselves before meeting the cold, at least we had the warmth and comfort...

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Will Auto Insurance Cover a Hit and Run Accident?

Recently, a pedestrian was struck by a passing car at the intersection of Cedar Bridge Avenue and Martin Luther King Drive in Lakewood, NJ. The driver did not stop to provide his contact info, or find out about the...

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Winter’s Freeze: How to Prevent Your Pipes from Bursting

If you missed it in science class, here’s an overview of what happens when water freezes: it expands. In regard to your home, cold temperatures can cause the water in your pipes to freeze, expand and cause increased...

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How to Prevent a Holiday Tree and Decorative Lighting Fire

The holiday season comes in stark contrast to the typical bleakness of the winter. Holiday lights and associated decorations lend a celebratory note to the festivities. Though they may be part of the traditional cheer...

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How to Keep Fire Safe in Your Home on Chanukah

A PRIME Insurance Holiday Special - Tuesday night, December 12th marks the first night of Chanukah this year. Keep the flicker of the menorah, the tastes of holiday delicacies and the memories of miracles-past as safe...

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Why the Homeowner Needs Fire Insurance More than Ever

Homeowners insurance that includes protection against fire risks is more important than ever before. This is because the building materials used to construct a home are not as fire resistant as in previous times. The...

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Auto Insurance: How to Skate on the Same Ice as NJ Devils

A PRIME Insurance – Plymouth Rock Special! - Prime Insurance partners with Plymouth Rock to make auto coverage and sports dreams come true! Plymouth Rock’s coalition with the New Jersey Prudential Center and NJ...

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Shoppers: How to Prevent Personal Theft during the Holidays

Enjoy this holiday season, even as you shop. Though studies point to heightened risks of having your purchases, automobiles, credit cards, ID and – yes – even Xmas trimmings taken by thieves, there are measures to...

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How can I Safely Rake Leaves in the Fall Season?

Fall. What better name for the season when the trees' aging leaves drop to the ground? Of course, ignoring the growing leaf mounds on your lawn, driveway and walkways will not only impede the aesthetic appeal of your...

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How to Navigate Insurance Coverage Following Natural Disasters

We’ve witnessed a horrific season of hurricanes, wildfires and windstorms. The property damage is immense. Policyholders are confused. What is covered? What is not? This read, based on popular questions, may be helpful....

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Answers to Some Common Homeowners Insurance Questions

PRIME Insurance, National General Present a Question and Answer Forum - Funny, isn’t it, how we can be so sure about something like a homeowners policy without even knowing the basics. So, ready for some education?...

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How to Understand a Homeowners Insurance Claim Process

A PRIME Insurance – National General Special - PRIME’s partnership with the leading property insurance providers helps homeowners deal with losses and damages in an optimum manner. Below we list some of the most...

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Does Homeowners Insurance Cover Heating, Cooling and Appliances?

The astute homeowner will ask about the coverage that is in place. After all, no one is seeking unpleasant surprises once a claim is made. If you did not realize that your standard home policy may not cover repair or...

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How a Nut Shop Finally Found Tailored Insurance Coverage

For one popular nut and sweets shop, a revelation about their commercial coverage caught the owners by surprise. The Insurance Case of the Wrongly-Rated Candy Store - The Nuttery, located on 16th Ave in Brooklyn, NY...

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PRIME Insurance, Westminster Unite to Benefit Customers

More Insurance Options for Mid-Atlantic Commercial Clients! - - Exciting insurance affiliations benefitting customers are forming at PRIME Insurance! As PRIME joins together with Westminster American Insurance Company,...

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Who Pays for Repairs on Your Home’s Underground Utility Lines?

Surprise, Surprise! The homeowner owns underground utility service lines that lie on the property. Should damages occur, a standard homeowners insurance policy will not cover repairs. The Solution? An endorsement to...

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PRIME Partners with American European Insurance Group

Heightened Insurance Opportunities for Commercial Customers - - Great news for insurance customers: PRIME Insurance Agency is proud to announce it has been appointed to conduct direct business with yet another...

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Restaurant Owners: Business Covered for Food Contamination?

If you are in the restaurant business, you know that unintentional contamination of food products can occur, resulting in great losses. In fact, according to insurance journals, restaurant food contamination leads to...

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How Recent Hurricanes Affect Workers Comp Coverage

- A PRIME Insurance - PMC Insurance Group Alert - It is painful to have witnessed the devastation caused by Hurricanes Harvey and Irma. Added to the grief are the insurance consequences that TX, FL, GA and SC have to...

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How to Protect Yourself from a Tsunami (or a Nuclear Threat)

Hawaii's residents have learned from history that tsunamis can affect their location. After all, it was just 60 years ago that a distant-source tsunami was created through an earthquake in the Aleutian Islands of...

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How NYC Building Owners Can Register for DOB Boiler Compliance

- A PRIME Insurance - KB Insurance Announcement - The New York City Department of Buildings (NYC DOB) recently launched a new inspection and certification website called DOB Now. As part of our valued partnership,...

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How to Prevent Home Damage from Heavy Rainfalls

Your home is your castle and fortress, shielding you from the outdoor elements. But what happens when the elements begin to damage that stronghold? Heavy rain can and does create vulnerability to your property's roof,...

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How to Keep Your Home’s Value through Cleaning Maintenance

- A PRIME Insurance Homeowners Special Guide - Most of us are guilty of procrastination in terms of household maintenance tasks. But avoiding cleaning jobs for too long may place your home and property at risk....

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