We Provide All Forms of Personal Insurance!

Auto (Personal)  Boat & Marine  Condominium

Flood  Homeowners  Motorcycles

Motor Home & RV  Personal Umbrella  Personal Watercraft

Renters  Travel Insurance  Valuable Items

  
 Homeowners Insurance

Dwelling	$250,000		Dwelling	$500,000
Other Structures	25,000		Other Structures	50,000
Personal Property	175,000	OR	Personal Property	350,000
Loss of Use	50,000		Loss of Use	100,000
Personal Liability	500,000		Personal Liability	500,000
Medical Payments	5,000		Medical Payments	5,000
Deductible	1,000		Deductible	1,000
Annual Premium - $710!!*			Annual Premium - $893!!*
**ALL PROGRAMS WITH TOP – RATED CARRIERS AND COMPREHENSIVE COVERAGE** *Sample rates based on actual homes in Ocean County, NJ, and vary depending on various criteria.  Rates current as of  5/1/13 and subject to change.

Is Your Home Considered “Coastal”?

If your home is in Ocean County, it probably is. The state of New Jersey has designated 116 zip codes as “coastal”, including most (over 70%) of Ocean County (for a map and zip code listing, go to www.njiua.org/windmap/forms/CoastalMap.pdf).   Most insurance companies use these listed zip codes as a guideline to assign higher rates, higher deductibles, or refuse to offer coverage at all.  Chances are you are being charged more for insurance here.


Larger, national insurance companies (the ones you have heard of) typically treat all of New Jersey as “coastal”.  If a company insures property in many states, they are most likely paying much higher re-insurance (catastrophic) rates for NJ policies, so they pass these costs directly to the policyholders.  If they are profitable in other states, they can afford to be less aggressive with prices here, where it costs them more to do business.  For this reason, many large national carriers have stopped insuring homes here completely. 

For all of these reasons, you are much better off dealing with a local, independent agent who has access to small regional insurance companies who want to do business in New Jersey and, especially, Ocean County.  Although smaller, these companies have the same financial ratings as the larger carriers.  We typically offer dramatically lower prices and better coverage options to those who have switched from a large, national company.



Don’t delay!!  Click below or call 866-835-3400 for a quote NOW!!

 

 
Flood Insurance

Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

FLOOD INSURANCE NEWS
                                                            Updated 3/22/13



UPDATED SUMMARY OF UPCOMING CHANGES IN FLOOD INSURANCE

One of our flood insurance carriers, Wright Flood, has put together a helpful guide with questions & answers regarding the upcoming changes as of 3/15/13.  Click below to open and read this document.

 
October_2013_Changes_What_we_know_now_3-15-2013.pdf
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It will be important to know whether your home's construction date is "pre-firm" or "post-firm".  The document below is a complete listing of municipalities in Ocean County and their respective firm dates.            
                                   
  Ocean_County_Firm_Dates.pdf
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STAY INFORMED!!  CLICK HERE TO JOIN OUR MAILING LIST TO RECEIVE FUTURE UPDATES



                                                                      NEW FLOOD MAPS

 FEMA has released new “advisory” food maps for coastal NJ with changes in flood zones and Base Flood Elevations (BFE).  These maps are expected to be adopted by FEMA to use in flood insurance rating in 2014.  The state of NJ has adopted these now for purposes of regulating rebuilding.

CLICK HERE TO FIND YOUR LOCATION AND THE CHANGES : http://www.region2coastal.com/sandy/table

NEW RATES WILL APPLY

Starting in 2014, if the flood map has changed for your property and a higher rate applies, the new rates will be phased in over a five-year period  at 20% per year for primary residential properties with continuous flood insurance coverage.  Most other types of properties will see a 25% rate increase until the full new rate is met.   There will be no more "grandfathering" of pre-firm homes in 2014.

NOTE: If you do not currently have flood insurance, have had a lapse in flood insurance since July 6, 2012, or have purchase the property after July 6, 2012 , the rates will not be "phased" in at 20% per year, but the full rate will apply immediately.

This means that IF YOU SELL YOUR PROPERTY, THE NEW OWNER WILL HAVE TO PAY THE NEW RATE. For this reason alone, you may want to consider raising the home.

For the complete timeline, see the document below:

Biggert_Waters_Flood_Insurance_Reform_Timeline_121312.pdf
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     FOR PROJECTED SAMPLE RATES CLICK THIS LINK:
     http://berkeley-nj.patch.com/articles/guide-to-making-the-call-on-elevating-your-manchester-area-property-f43d0590

I HAD LITTLE OR NO DAMAGE – SHOULD I STILL CONSIDER RAISING MY HOME?

You should definitely consider it if you ever plan to sell your home.  See the attached “Rebuilding after Sandy” guide.

Rebuilding_After_Hurricane_Sandy_Building_Safer_and_Stronger_Pays_Off.pdf
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If you have specific questions or need further information, feel free to call our office at 732-269-0800.

 
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  Auto (Personal)

This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.

The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Have You Heard About Our Exclusive  Program?
    
Q: What is RENEWAL CHOICE?
A: Insurance For Rate Increases!

‘RENEWAL CHOICE’ is our exclusive new auto insurance renewal comparison service offering you quotes to renew coverage with a number of other auto insurance companies.

Q: Why Compare Rates Every Year?
A: Insurance Companies Change Their Rates Every Year!!

• Here in New Jersey, auto insurance companies here change their rates more than once per year (increase and decrease) on average!!  
• This means that there is often a better rate with another carrier – and you deserve the choice to switch hassle-free!
• This service is offered exclusively at the John Hill Agency. 

Q:  How does it work?
A:  Easily!!

• We send your RENEWAL CHOICE report 30-45 days before your renewal date
• You get rates with multiple carriers   
• Simply choose your renewal plan
• We do the rest
• Really, it’s that easy!

Click HERE to see Real-Life Savings Examples

Don’t delay!!  Click  or
call 866-835-3400 for a quote NOW!!
                                                                                                                                                                   



 
Boat & Marine

Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometime called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

 
Condominium

Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage. In addition to coverage for your floors, walls, cabinets and fixtures that your association's insurance probably will not cover.

Every association's insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.

 
Motorcycles

Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance for your motorcycle.

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. We have a variety of motorcycle policy options to meet your needs.

 
Motor Home & RV

As much as you expend efforts to purchase your dream motor home, it is important to select appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection. It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile.

 
Personal Umbrella

You don't have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.

Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor's child drowning in your pool or the delivery man being seriously injured by falling over your child's toys.

 
Personal Watercraft

Personal watercraft, such as jet skis and wave runners, are often our customer's first step into the boating world. Personal watercraft are extremely invigorating and fun for water lovers of all ages; however, they are not toys. Whether you are a first time boater or experienced captain, it is important that you have proper coverage for these vessels. John Hill Agency has policies that are geared specifically for your personal watercraft. Likewise, because of our expertise in this area we also have the ability to provide commercial marine insurance for companies that rent personal watercraft.

 
Renters

As a renter, you need to protect your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value. Plus, we'll assure you the peace of mind you need for your valuable items and electronics.

Renters insurance can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:

• Injury to another person
• Damage to another person's property

Whether the incident occurred within your rented residence, or elsewhere.

 
Travel Insurance

When you travel abroad, one of the most important financial considerations is how to protect you and your family's health. Without proper coverage, an illness or injury abroad can turn into a financial disaster. Whether you are a corporate traveler, an international student studying abroad, a family on vacation or reunion, or an individual traveling abroad for work, pleasure, or education, don't let your trip be ruined by an accident or unexpected medical emergency. Traditional sources of U.S. private health insurance will not meet your needs. Geographical exclusions and provider limitations common to these policies will restrict or even eliminate the coverage available to you while you are outside the U.S. At the same time, you may not be eligible for participation in the government-sponsored plans in the country where you reside.

 
Valuable Items

Your possessions may be more valuable than you realize. Most homeowners policies offer limited coverage for personal articles such as jewelry, cameras, golf equipment, fine art and collectibles, and computer equipment. We can provide the additional protection you need.

A variety of property may be covered by valuable items coverage.

• Artwork
• Baseball cards
• Books
• Coins
• Computer equipment
• Firearms
• Furs
• Golf equipment
• Jewelry
• Memorabilia
• Musical instruments
• Oriental rugs
• Silverware
• Stamps