Homeowners Insurance
Homeowners Insurance from Dan Meredith Rutherford, NJ provides:
Dwelling Protection: Covers your home and other structures attached such as your garage or deck.
Personal Property: Covers loss of your belongings if they are stolen or damaged.
Family liability protection: Helps protect you from financial loss if you are legally obligated to pay for another person’s injuries or damage to another person’s property.
Guest Medical Coverage: If someone is injured in your home, guest medical coverage can help pay for medical expenses.
Optional coverage’s: Jewelry, Sports equipment, Business property.
Additional living expense Reimbursement: Covers increases in living expenses when a loss that is covered makes your home uninhabitable. This can include cost of rent, hotel, food, and other expenses.
Condo Insurance
Condo Insurance: Coverage to protect the inside of your dwelling and your personal property.
Also included: Guest medical protection, additional living expenses, family liability, loss from theft.
Personal Umbrella Policy
Personal Umbrella Policy: More protection in more places. Extra liability insurance designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. An umbrella policy provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.
Your coverage goes with you: You are covered no matter where you are even when you are out of the country.
You don’t go to court alone: if you are sued over a covered incident, an attorney will be retained and paid for to represent you.
If you have a covered claim, you won’t have to pay out of your pocket first.
Reimbursement for lost wages: you’ll be reimbursed when you need to miss work to appear in court, up to the limits your policy specifies.
Renters Insurance
Personal Property Protection: Covers your belongings against covered loss or damage.
Theft Protection: Covers your belongings against theft in your home, theft away from the home, stolen or forged checks, and stolen credit cards.
Family Liability and Guest Medical Expense: Covers medical expenses of a guest accidentally injured while on your property.
Living Expenses: Coverage for living expenses incurred if a disaster should keep you from inhabiting your rental for as long as 12 months, up to your policy limits.
Optional Coverage’s: Personal property reimbursement, coverage for special items, identity restoration coverage.
