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O'Donnell Agency LLC

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Cranford, NJ 07016

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Insurance Blog

Why should property owners obtain flood insurance?

If the state of New Jersey, owning a home can be a good idea. If you are a property owner here, you will want to know that your home is covered and protected. A great way to do this is by getting insurance. For some property owners, getting flood insurance is a good idea.

There are various reasons that someone should obtain this coverage

Protect Assets

The most important reason that someone should get flood insurance is so they can protect their assets. If your home is affected by a flood, the costs to remediate your property can be very significant. If you do not have flood insurance, your standard home policy may not offer coverage. Due to this, having flood insurance should be a top priority as it will give you support in these situations. Ultimately, this offers valuable financial protection and will provide peace of mind. 

Meet Insurance Standards

It would also be beneficial to get flood insurance as it will ensure you can meet any insurance requirements and standards that you have. If you have taken out a loan, a lender will run a flood search to determine if you are in a high-risk flood zone. If this is the case for you and your property, you will be required to carry a flood insurance plan at all times. 

Give Us A Call

If you are looking to buy a home in New Jersey, it is important that you do evaluate your needs for flood coverage. As there are a lot of choices to make when looking for this insurance, it would be helpful to call O’Donnell Agency LLC to start your search. O’Donnell Agency LLC knows how important this coverage is and they will offer any support needed to determine your needs and evaluate your options.

Will comprehensive auto insurance cover the hail damage my car sustained?

Auto insurance provides protection for you, your car, and other drivers. There are many layers of protection that an auto insurance policy provides. Liability coverage ensures that anyone injured by an accident that you’re responsible for is compensated and cared for. It also provides coverage for any injuries and/or damage that you may cause to another person and their property.

Our team at the O’Donnell Agency LLC is committed to helping New Jersey drivers understand auto insurance and its benefits. 

What is Comprehensive Auto Insurance?

Comprehensive auto insurance is designed to cover non-collision accidents or situations. For example, comprehensive auto insurance will cover any damage your car sustains from natural disasters like a fire, flood, or strong winds. Comprehensive insurance also covers theft and vandalism. If you’re injured while in or near your car due to a non-collision accident, comprehensive coverage will pay for medical care for you and anyone else who was injured. You are also covered by comprehensive insurance if you’re injured or hurt while cycling, walking, or while you’re a passenger in someone else’s car.

Will Comprehensive Auto Insurance cover the hail damage my Car Sustained?

Yes. Your comprehensive auto insurance will cover the damage your car sustained from a hail storm. Comprehensive insurance is designed to cover non-collision situations and accidents. Better yet, if the damage from the hail storm exceeds the car’s value, your coverage will pay for the replacement of your car if it’s considered a total loss.

Contact Us Today

If you have questions about New Jersey auto insurance or comprehensive coverage, call us at O’Donnell Agency LLC. We can help you explore different types of coverage and determine which coverage would best meet your needs.  

Are You a Business Owner? Protect it With Commercial Insurance

If you are a New Jersey resident who owns a business, make sure it is protected from financial loss. The O’Donnell Agency LLC can explain why it is so important to protect your business.

Why Commercial Insurance?

Many times, being adequately prepared financially for sudden loss can make the difference between being able to stay in business and shutting your doors. The best investment a business owner can make to avoid financial loss is to purchase a commercial insurance policy.

The most common types of commercial insurance are:

General liability provides coverage for a business for personal injury and property damage caused by the business’s products, operations, or any injury that occurs on the premises.

Property insurance covers losses caused by lightning, fire, hail, wind, or acts of vandalism. Glass breakage and earthquake damage can be added.

Business interruption insurance is designed to cover your expenses and losses while your business is under repair or is being rebuilt and is unusable.

Workers’ compensation insurance pays for the employee’s medical expenses and lost wages if they become ill or injured because of their job, so they do not need to be paid out of pocket by the company.

Commercial auto insurance provides physical damage and liability coverage for vans, trucks, or cars that are used for business purposes. Commercial vehicles require their own policy as they are exposed to more risk than personal vehicles. Commercial auto insurance is not just for industrial vehicles such as dump trucks or semis.

Contact Us Today

Don’t put your business at risk. Make sure you have commercial insurance to handle any events that could put your finances and the future of your business at risk.

Our insurance experts at O’Donnell Agency LLC are the people to see for commercial insurance in New Jersey. Begin protecting your business today. 

Don’t forget to review your policy before starting a renovation project on your home

O’Donnell Agency LLC works to protect families throughout the state of New Jersey. If it’s time to start a major project on your family home, we’re here to help you make sure that you have the protection you need. Don’t wait until it’s too late to find out that you don’t have the coverage you need!

The time to review your home policy is BEFORE you start your major renovation

Home renovations can take a lot of time, money, and energy to complete. Depending on the size of the project, it can also be a disruptive experience for the entire family. On top of all of this, there are liability and other insurance concerns to consider. You will have people in your home that could be harmed or injured. This means that it’s important that your home insurance provides an adequate amount of liability protection.

If, after the renovation is completed, your home value increases significantly, it could also create a need to adjust your current policy. These are just two reasons why it’s so important to double-check your home policy before starting any major renovation or improvement project. Working with your local agent can help you get ahead of the changes that may become necessary and ensure that your home is fully protected. Our team is here to help you with these concerns. 

Contact us today!

If you live in New Jersey and have questions about home insurance, the team at O’Donnell Agency LLC is here to help. Our team has the knowledge and experience necessary to give our clients the service they need. Let us help you with any insurance questions or issues that you may have. Call or stop by our office today!

Do You Need Workers Compensation Insurance If You Have a Family Run Business?

One of the questions that the O’Donnell Agency LLC, serving the entire state of New Jersey, is often asked in regards to workers comp insurance is whether someone who has a family-run business needs workers compensation insurance. If you have recently opened a family-owned business, you may have this question. Read on to learn more.

When Do You Need Workers Compensation Insurance?

In the state of New Jersey, you are required to carry workers compensation insurance if you have any employees. As such, if you have any family members who work for you, and are not owners of your business, you are required to carry workers compensation insurance on them. On the flip side, if every family member who works at your business owns parts of the business, you may not be required to carry workers compensation insurance, as long as your business is an LLC or a partnership. 

Do You Need Workers Compensation Insurance If You Have a Family Run Business?

In the state of New Jersey, you are required to have workers compensation insurance if you have one or more employees. It does not matter if your employees are all family members, family friends or strangers that you hire. As long as you have one or more employees, you must carry workers compensation insurance for your company. 

Give Us A Call

In the state of New Jersey, if you have any employees who do not own a part of the business, you are required to carry workers compensation insurance on them, even if they are family. The team at O’Donnell Agency LLC, serving the entire state of New Jersey, can help you find the right workers comp insurance for your needs. Reach out to us today to get started. 

How to Choose the Right Renters Insurance Policy for You

As a renter, it’s important to have renters insurance. But with so many policies and options available, it can be difficult to choose the right one for you. Don’t worry, – O’Donnell Agency LLC in New Jersey can provide you with expert insurance advice.

Here are four tips to help you select the best policy for your needs:

1. Know What Your Policy Covers

Before shopping for a policy, it’s important to know your coverage needs. Start by making a list of your personal belongings and determining how much it would cost to replace them. Then, consider whether you need additional coverage for things like jewelry, art, or electronics. This will help you determine the amount of coverage you need.

2. Determine Your Budget

Once you know how much coverage you need, you can start shopping around for policies. Be sure to compare rates from different companies before making a decision. It’s also important to consider the deductibles and other fees associated with each policy. Determine what you can afford to pay out-of-pocket in the event of a loss.

3. Read the Fine Print

Before buying a policy, be sure to read the fine print. You want to ensure you understand what’s covered and what’s not. Pay attention to things like exclusions and limitations. These can often be found in the "terms and conditions" section of the policy. Failure to read the fine print could result in you being under- or over-insured.

4. Consider Your Options

There are several different types of renters insurance policies available. Be sure to consider all of your options before making a decision. For example, you may want to purchase a "named perils" policy, which covers specific types of losses, or an "all-risk" policy, which covers a wider range of risks.

Give Us A Call

Taking the time to choose the right renters insurance policy can save you a lot of money and hassle in the long run. Be sure to consider your needs, budget, and options before making a decision. And don’t forget to read the fine print. Looking for a renters insurance policy in New Jersey? O’Donnell Agency LLC offers many different types of coverage to meet your needs. Give us a call today to learn more.

How Umbrella Insurance Works

When you already have home and auto insurance policies, you have some protection against a number of risks. However, you might not have as much coverage as it takes to pay for certain accidents. It’s helpful to get umbrella insurance in addition to those policies. Umbrella insurance is unique, and it doesn’t work like most other types of policies. When you want umbrella insurance, call us at O’Donnell Agency LLC in New Jersey.

Add to Your Other Policies

Your home and auto policies have several different types of coverage within each policy. One of these is liability coverage. The problem is that home and auto policies often have too little in the way of liability coverage. This can mean that after an accident in your home or with your vehicle, your liability coverage may not be enough to pay for the medical bills and other expenses that are due. That’s why umbrella insurance is increasingly popular. Umbrella insurance adds more liability coverage to both your auto and home policies so that you have better coverage for serious accidents. 

Paying for Accidents

When there is an accident that happens with your vehicle or on your property, there will be medical bills and other expenses due. First, your home or auto policy steps in to pay for those expenses. If the maximum payout on the policy isn’t enough to pay for the liability costs, there will be an overage that’s up to you to pay. When you have an umbrella policy, it will come in and pay for that overage. This saves you from having to pay it yourself. 

Get Umbrella Coverage

When you have umbrella insurance, you have a policy that will pay the overage that you owe to save you what could be an enormous amount. To get umbrella insurance, call us at O’Donnell Agency LLC in New Jersey.

How To Prepare for a Flood

Floods can be devastating. They cause billions of dollars in damage and destroy our homes and businesses. The best way to prevent flooding damage is to protect your home and property ahead of time. O’Donnell Agency LLC of New Jersey is here to show you how.

Flood Preparation: What You Need To Do

Preparing The Outside Of Your Home

Keep your drainage system clear by clearing drainpipes, gutters, downspouts, and the washing machine drain. If it’s clogged, water won’t flow well.

You can improve the grade of your lot at home to help prevent flooding by adding soil in low spots, raising the grade in the center of your lot, and removing any rocks or debris that are in the way.

Reducing impervious surfaces will help prevent flooding by reducing the amount of pavement and parking lots. This will help increase the amount of rain that flows into your yard instead of staying on the surface. It will also reduce the amount of runoff that flows into your neighborhood.

Elevating your water heater, furnace, and other utilities is a great way to protect them from flooding. This is especially important if you live in a flood zone or a low-lying area.

Preparing The Inside Of Your Home

Protect your valuables by removing spare objects, large-value items, and essential documents. It’s best to store them in a high-quality, water-resistant safe or bank vault. If you don’t have access to a safe or vault, you can also store them in plastic boxes, Rubbermaid containers, or other airtight containers.

Seal your foundation and basement. This prevents moisture from penetrating the basement walls and prevents water from leaking into the basement.

If you have a basement, you may want to install a sump pump. A sump pump is a device that sits in your basement and pumps water out of your home.

Give Us A Call

Are you a New Jersey resident interested in learning more about flood safety and insurance? Contact O’Donnell Agency LLC today!

Should your teen driver have their own auto policy?

O’Donnell Agency LLC in New Jersey is here to help if you have questions about auto insurance, especially for teen drivers. Give us a call or stop by today.

Insurance coverage for teen drivers

Teen drivers can be more likely to be involved in fender benders and minor mishaps as they perfect their driving skills. When there are a lot of small claims against a driver, it can increase the premiums for everyone on the policy. This is one reason why some families opt to put the teen drivers in their families on their own separate policies. 

However, when a teenage driver holds on to an impeccable driving record, there may not be any reason to have them on their own policy. Some parents look to car insurance as the first major financial responsibility for their children. This can mean that they have to pay for their own policies, or that they contribute to the payment of the family policy.

Keeping your teenage driver protected is the goal. The outcome of this goal may look different in different families as every situation is unique. Whichever way you decide to go, a family policy for everyone, or separate policies for teenagers, keeping your family safe is the desired outcome.

There are many auto insurance policies that can help families with their auto coverage. Find out more today about the options available in our area. 

Call us for all of your insurance needs

New Jersey residents can rely on the O’Donnell Agency LLC for all of their insurance needs. If you have questions about the right coverage for your teen driver, we are here to help. Contact our office today and set up an appointment to find out more!

What Home Insurance Can Offer New Jersey Homeowners

Owning a home in New Jersey is one of the greatest accomplishments you’ll achieve, so congratulations! The team at O’Donnell Agency LLC is excited to offer you a wide variety of coverage options for your home in New Jersey, and we know insurance shopping can be daunting and frustrating. We’re here to make the process easy for you so you can get back to enjoying your home and the fruits of your labor. 

There are so many reasons that home insurance is one of the best investments you can make in the largest asset you own. Buying a home is likely the biggest investment you’ve made so far in your life, and it should be treated as such.

The coverage options that home insurance can provide you with include the following:

  1. Liability protection – If someone is injured on your property, liability covers their medical expenses
  2. Structural protection – From natural disasters, theft, fire, and more 
  3. Personal belongings – Besides the structure itself, your personal belongings inside the home are protected

It may never be necessary, but in the event that you need your coverage, you will be so relieved you invested in a good plan. We can’t foresee what may happen, and we know that New Jersey weather can be unpredictable. Knowing that your home, your belongings, and your family are safe in many situations is reason enough to invest in a quality home insurance plan. 

As you navigate the waters of home insurance, know the team at O’Donnell Agency LLC is here for you. We serve the great state of New Jersey and we’d be happy to help find the policy that suits your lifestyle and eases your mind as a homeowner. Reach out to us today. 

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