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O'Donnell Agency LLC

416 Centennial Ave
Cranford, NJ 07016

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Insurance Blog

Why Should I Invest In Home Insurance?

At O’Donnell Agency LLC, we might be biased here, but there is no better place to call home than New Jersey. Whether it’s Robbinsville, Beckett, or Mountain Lakes, NJ, the state is full of serene neighborhoods to own a home. However, without home insurance for your prized asset, your investment is never complete. 

Why home insurance is a worthwhile investment

Regrettably, most homeowners view home insurance as just another unnecessary expense. However, when the unthinkable happens, it’s when they realize how powerful home insurance can be. Below are reasons why you should buy home insurance.

  • Liability protection: Despite how careful we are, accidents are bound to happen. Your dog might bite a neighbor. A friend can slip and hurt their leg on your premises, and so forth. The good news is that when you have invested in home insurance, liabilities are taken care of up to your policy limit.
  • Structure protection: Your home costs hundreds of dollars, if not thousands. However, perils like fire, theft, vandalism, storms, and hail can turn your invaluable asset into a nightmare. When you carry home insurance, repairs and even rebuilding of your home is compensated when the covered risk strikes.
  • Personal belongings’ protection: Home insurance safeguards your clothing, electronics, furniture, and sporting equipment if they are damaged or lost. 
  • Additional living expenses (ALE) coverage: Is your home unlivable due to hail, fire, or storm damage? Don’t panic. Home insurance pays for additional living expenses when you seek temporal shelter in a hotel.

Is home insurance mandatory in New Jersey?

While New Jersey law doesn’t require home insurance, your home lender may require you to carry standard home insurance until you settle the mortgage liability. But whether home insurance is compulsory or not, it’s a worthwhile investment for every homeowner.

Are you ready to get started with home insurance? Please contact O’Donnell Agency LLC today for all your home insurance solutions.

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