Protecting your home, condo, apartment in Lake Como, NJ

Homeowners insurance can protect your home and your belongings from a sudden disaster. It can help cover the costs of repairs or rebuilding your home, replacing your belongings.  The different types of coverages that your Homeowners Insurance will cover are your dwelling, other structures, personal property, and loss of use coverage which will put you somewhere temporarily and pay for some expense while your home is being rebuild due to it being uninhabitable, and lastly it will give you liability coverage which financially protects you and your household against claims of bodily injury or property damage.

Condominium insurance / Renters Insurance covers your personal belongings, liability for injuries or damages on your property, and temporary living expenses if your unit becomes uninhabitable due to a covered loss. It generally covers the interior of your unit, including fixtures and upgrades, but not the exterior structure or common areas of the building.

Flood Insurance through the National Flood Insurance Program (NFIP) can be a complicated process with many details that can effect the cost. Don’t be fooled by those online robotic quotes that promise cheap price for full coverage- those cheap quotes will become very expensive when disaster strikes. It’s too late then…you need professional advice at the best possible price. We don’t want you paying any more than you have to but we want you covered correctly. Allow us to Help You!

Are you someone who has a secondary home that rents it out from time to time?  Whether it be a short-term winter rental or weekly in the summer? Look no further.  Here at I & E Insurance Agency, we can get you multiple quotes in order to get you the best premium we can with the correct coverage for your home.   Give Ernie a call today at 732-295-5584 or email any questions to ineagency@gmail.com