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Cranford, NJ 07016

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Insurance Blog

The most common misconceptions about renters insurance

The majority of Americans have multiple insurances, including auto insurance, home insurance, and health insurance. Renters insurance is not very common, but you should consider it if you rent a house or apartment. However, there are certain misconceptions about this type of insurance you should be aware of:

  • Renters insurance is too expensive. The truth is that renters insurance is actually even cheaper than home insurance. It is very affordable, and you can save even more money if you bundle your renter’s insurance with other insurance types. 
  • Since your landlord probably has insurance, you do not need to buy it. Yes, your landlord might have insurance, but their insurance covers the building itself. Your personal belongings will not be covered, and you won’t have any protection from unfortunate and unexpected situations. 
  • You do not need renters insurance if your roommate already has it. Not all renters insurance policies cover roommates, so instead of assuming they do, ask your roommate or call your insurance company. Also, it is not very convenient to be on someone’s policy because you have to discuss and agree on many different things. 

Having renters insurance is something every tenant should think about. Renters insurance aims to protect your personal belongings and provide you with peace of mind. If you live in New Jersey and are looking for renters insurance in the Garden State, feel free to contact O’Donnell Agency LLC. At O’Donnell Agency LLC, we work with clients throughout New Jersey and will gladly assist you in finding the perfect policy. Do not hesitate to contact us to learn more about insurance options. 

How Umbrella Insurance Coverage Protects Your Personal Valuables

New Jersey residents who own valuable assets will want to ensure these items are always fully protected. That’s why buying an umbrella insurance policy on top of one or more additional policies is a wise idea.

What is Umbrella Insurance?

Umbrella insurance kicks in when other insurance policies don’t offer as much coverage as you need. There are two main ways an umbrella policy will provide compensation:

  • An umbrella insurance policy can offer additional compensation on top of your compensation from another insurance policy. For instance, umbrella coverage will make up the difference if your scheduled personal property coverage only provides up to $1.5 million in compensation for valuables worth $2.5 million.
  • Umbrella coverage can make up for gaps in other insurance policies. For example, if you move to a new home and your valuables are lost or damaged during the move, you can claim compensation from your umbrella policy. Alternatively, if your valuables are damaged due to circumstances not covered by your scheduled personal property insurance, you can claim compensation under your umbrella policy.

The terms and conditions of an umbrella policy may vary depending on the insurance company you work with and the policy you choose. That’s why choosing a reputable insurer with a reliable, trustworthy track record is important.

Get Umbrella Coverage from O’Donnell Agency LLC

At O’Donnell Agency LLC, we make it fast and easy for you to review umbrella insurance options and pick the policy that best meets your needs. We serve clients in and around New Jersey and have experience providing expert advice on insuring a wide range of valuables. Contact us today to learn more or request a quote.

Don’t Live in a Flood Zone? You Should Still Consider Flood Insurance

If your home in New Jersey is situated in an area prone to flooding, your lender might necessitate the purchase of flood insurance. Nonetheless, what happens if it’s not? Is flood coverage genuinely essential? We at O’Donnell Agency LLC advise homeowners in New Jersey to view flood coverage as a significant safeguard against flood-related disasters. It shields you against sinking into a financial abyss in case of flood-induced damage.

Reasons to Invest in Flood Insurance

New Jersey has a high incidence of floods. Over time, flood risks in coastal and inland regions of the state continue to rise.

It’s worth noting that floods can be unpredictable and can occur almost anywhere without warning. According to National Flood Insurance Program statistics, around 40% of flood claims emanate from areas not identified as typical flood zones. A flood insurance policy can reassure you that your property and possessions are safeguarded against potential floods.

It’s not just catastrophic floods that can wreak havoc on your home. Even a meager few inches of floodwater can severely damage a home’s foundation, walls, flooring, and personal belongings! If you lack the financial resources to restore your property or replace your goods independently, you’re at risk of suffering a total loss. Here’s where flood insurance comes to the rescue, providing the monetary aid needed to recover from a flood disaster.

The Scope of Flood Insurance

Flood insurance covers damages caused by storm surges, heavy rainfalls, rising rivers, breached dams, and melting snow. Such water-related damages are typically not covered by standard home insurance policies. With flood insurance, you can protect your property for up to $250,000 and your belongings for up to $100,000, providing critical financial support in the event of a flood calamity.

Where to Purchase Flood Insurance

Look no further! To procure a protective flood policy for your New Jersey home, reach out to us at O’Donnell Agency LLC.

New Jersey Roads: Tailoring Auto Insurance for the Unique Challenges

Mastering the Challenges of New Jersey Roads with O’Donnell Agency LLC

O’Donnell Agency LLC offers invaluable assistance to New Jersey motorists, helping them navigate the tricky terrain of choosing the right auto insurance policies. To learn more about how we can assist, keep reading.

Avoiding Basic Coverage

Although tempting, basic coverage can have long-term implications. Most basic policies do not provide the comprehensive protection needed and should ideally be avoided. Don’t fall into the trap of thinking a basic policy can fulfill all your coverage needs.

Include All Vehicles and Motorists in Your Policy

Failing to include all motorists and vehicles is a common mistake New Jersey motorists make when selecting a policy. Every vehicle you operate should be included in your policy, even if your usage is irregular. The same principle applies to whosoever will be using the vehicle(s), irrespective of their driving frequency.

Always Review the Policy Before Signing

Make sure to scrutinize the declarations page before proceeding, as this can prevent potential oversights. Our team of professionals is at hand to assist you during this essential step.

Get in Touch Today

Are you interested to know more about potential New Jersey auto insurance policies? Contact O’Donnell Agency LLC today. We are ready and happy to provide any assistance you require.

Does Your New Company Need a Commercial Insurance Policy?

Starting up a new company can be extremely exciting, but there are some specific areas you need to focus on in order to protect yourself and your business. If you’re in New Jersey and in need of a commercial insurance policy, working with us at O’Donnell Agency LLC is the right choice. Then you can have security, protection, and peace of mind, so you can worry less and focus on all the things you need to do to operate your business efficiently. There’s no reason to settle for anything less.

Commercial Insurance Policy

Commercial policies are designed for a wide variety of businesses, and there are different types and levels of coverage. Working with an agent is the best way to make sure you’re getting what you actually need for your particular company. Insurance isn’t something you want to guess because not being properly covered could be devastating in the event of a claim. No matter what kind of business you have, we can help you get the kind of coverage that’s right for you.

Our agents are dedicated professionals who understand the serious nature of proper coverage and protection. If you have an office with a few employees, for example, you won’t need the same kind of policy as a warehouse owner with hundreds of workers. Restaurants, construction sites, coffee shops, and all types of other businesses have unique and specific needs, so you want to see quotes from several different insurers before making a decision.

Get in touch with us at O’Donnell Agency LLC if you’re in New Jersey and looking for a commercial insurance policy for your new company. We can provide you with multiple quotes, making it easier and more convenient for you to choose the policy that fits your business properly.

Home Insurance and the Older Home

Homes that are more than forty years old can be difficult to insure. All those years of wear and tear on systems and structures can cause problems. Roofing materials from more than forty years ago are not as durable as they could be. Sure, you could rebuild, but the cost of that might be higher than the market value of the property. Even then, it’s possible that the materials used to build the home might not exist anymore. And then there are those ever-evolving codes in the plumbing and electricity. That’s why you need an HO-8 policy. 

What Is An HO-8 Policy? 

If you are not able to secure a standard homeowner’s policy for your older home, an HO-8 policy may be for you. An HO-8 policy may cover fewer perils and come with lower dwelling coverage limits than the usual homeowner’s policy. However, it may cost much less. Your insurance provider may require you to buy an HO-8 policy if it is determined that your home would cost more to build than it’s worth. 

High-Value Homeowner’s Insurance

Keep in mind that HO-8 policies don’t operate on replacement costs. In case of a disaster, you’ll want high-value homeowner’s insurance. This will take care of the cost of most damage to your historic home. 

O’Donnell Agency LLC Serving New Jersey

New Jersey has its fair share of historic homes, some dating back to the Colonial Era. Yours might not be quite that old, but still old enough to qualify for an HO8 policy.  If you need your older home insured, please get in touch with O’Donnell Agency LLC. Our knowledgeable agents will do all they can to help you get what you need. 

Safeguarding Your Business with Workers’ Comp Insights

At O’Donnell Agency LLC, we know how hard it can be for New Jersey businesses to remain protected from all of the unforeseen issues that will come their way. Fortunately, we can provide some assistance in the form of workers’ comp insurance. To learn more about the advantages that these policies can provide, take a moment to check out our helpful guide.

Remaining In Compliance With State Regulations

Every state has regulations in place that govern workers’ comp policies and New Jersey is certainly no different in this regard. That’s why we urge prospective clients to speak with our experienced insurance agents as soon as possible. We will get you fully to speed and craft a policy that ensures continued compliance with state regulations over the short and long term.

Medical Assistance for Employees

Employees deserve the peace of mind that comes with knowing that they will receive the proper medical assistance if an injury happens to take place while they are on the clock. Without a sufficient workers’ comp policy in place, injuries and illness become more problematic for the workforce, which is something that all businesses should strive to avoid.

Protection from Litigation

The last thing that any business can afford is an untimely lawsuit. With a workers’ comp policy, a business is doing everything in its power to protect themselves from litigation. Without a workers’ comp policy, the business leaves itself open to a host of issues. Lengthy legal proceedings can have all sorts of damaging effects that are better off being avoided at all costs.

Reach Out To Us

Do you have any further questions or concerns about how a workers’ comp policy will affect your New Jersey business? If so, please be sure to contact the good folks at O’Donnell Agency LLC as soon as possible. We are always happy to help.

Q & A About Renters Insurance Coverage

Here at the O’Donnell Agency LLC in New Jersey, we know that many people rent apartments, condos, and homes. That’s why we’re here to answer the top questions people have about renters insurance.


Question #1: I rent but don’t own. Do I still need insurance coverage?

Answer: Many property owners and landlords require tenants to carry renters insurance. This protects you as a renter because if catastrophe strikes, this coverage can help you replace your personal belongings. Should the residence become uninhabitable, your policy may also cover loss of use coverage to help with expenses while the property is being repaired. Renters insurance also helps cover legal expenses should you be sued due to a non-resident getting injured on the property. You’ll also enjoy protection for your possessions when traveling.

Question #2: Is my rental unit covered by the owner’s insurance policy?

Answer: No, the owner or landlord’s insurance only covers damage to the property or building, but not any type of liability in the unit or your personal property. Having renters insurance also protects you should damage to the property affect the entire building, such as a fire that could leave you held liable by the landlord.

Question #3: I have roommates. Do we need individual renters’ policies?

Answer: You’ll want to get a solid answer from your agent. For the most part, it’s ideal if all roommates share one policy. However, this could lead to contention should a reimbursement scenario be necessary. It is possible for each person to get their own coverage if desired.

Question #4: I run a small business out of the home. Are my business inventory and tools covered by renters insurance?

Answer: Yes, but within certain monetary limits. Should your stock and work tools exceed reimbursement amounts, consider getting a home business insurance policy, too.

Need Renters Insurance? Call O’Donnell Agency LLC in New Jersey

We cover a wide range of states, ranging from the Northeast to the Deep South. Contact us today to get a free quote on renters insurance from a wide range of our policy carriers.

3 Questions to Ask Your Agent About Umbrella Insurance

If you’re looking at insurance coverage options to protect what matters most, you may want to get an umbrella insurance policy. O’Donnell Agency LLC can help if you’re in New Jersey and want to learn about your options before making your choice.

Here are three of the most important questions to ask your agent:

1. What Kinds of Situations Does This Cover?

Umbrella coverage is designed to protect you over and above the limits of the other policies you already have. With that in mind, though, it may not cover every situation you could otherwise be insured for. Make sure you talk to your agent about any specific concerns, so you know whether you’ll be covered.

2. What Coverage Level Do I Need?

The amount of coverage you’re looking for is also important. Some people want or need more than others, and you don’t want to be unprotected if it’s possible to increase your coverage for a little extra security. Giving your agent a good understanding of your situation makes it easier for them to recommend coverage levels.

3. Is This Insurance Right for Me?

Whether umbrella coverage is right for you is something only you can decide, but your agent can help you understand how it works and what kinds of scenarios it covers. Then you can decide if it’s something you want to include with your other policies.

We Are Here To Help

If you’re in New Jersey and thinking about umbrella insurance, O’Donnell Agency LLC is here to help you get the right policy and coverage options for your situation. Not only does that offer you additional protection in the event of a claim, but it can also give you much more peace of mind for the present and your future.

Understanding Flood Risk: The Importance of Comprehensive Flood Insurance

In New Jersey, we’ve seen our share of natural disasters over the years. Whether it’s Superstorm Sandy, Hurricane Irene, or the countless Nor’easters that roll through town, we’re all too familiar with the dangers that flooding can bring. Flooding can be devastating to your home and personal property, but it can also cause irreparable damage to your finances.

O’Donnell Agency LLC believes it’s essential to understand flood risk and the importance of comprehensive flood insurance.

The Importance of Comprehensive Flood Insurance

Once you know your risk, it’s important to consider a comprehensive flood insurance policy. While standard homeowners insurance policies include coverage for water damage, it doesn’t automatically cover flood damages. Flood insurance is a separate policy that can help you recover financially in the aftermath of a flood. Without flood insurance, you could be facing thousands of dollars in out-of-pocket expenses to repair your home and replace damaged personal property.

It’s also important to note that flood insurance policies have a 30-day waiting period before coverage begins. This means you can’t simply purchase flood insurance when you see a storm coming; you need to have it in place before the next storm hits. Planning ahead can make all the difference in recovering from a flood.

When it comes to flood risk, knowledge is power. Comprehensive flood insurance coverage can help you weather the next storm that hits New Jersey with less financial stress. Purchasing flood insurance is truly an investment in your present and future. If you’re unsure about your flood risk or have questions about flood insurance in New Jersey, reach out to O’Donnell Agency LLC. We can connect you to the coverage that’s right for you.

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