We compare insurance rates from leading insurance providers and present you with the best offer. You could be saving hundreds! Sifting through the policy options can be a frustrating experience. We will walk you through, explain and help gather the required information to streamline the process. Captive Agents represent and are loyal to their Insurance Companies, Independent Agent, on the other hand, represents and works for YOU!
When you decide to get insured through us, our work just begins. We will monitor your policy and check rates with other carriers at least twice a year. If a better option comes along, you will be rst to know and will switch your policy in no time. We believe that superior customer support makes all the dierence and will help us keep longterm relations with you.
We are an Independent Insurance Agency. Give us a try today! We are an independent insurance broker with competitive pricing, flexibility, various carrier options, and superb service. I'm a customer of SIA(Sadowski Insurance Agency) since 2015, during those years customer care Mrs. Sadowski has never let me down.
When you decide to get insured through us, our work just begins. We will monitor your policy and check rates with other carriers at least twice a year. If a better option comes along, you will be rst to know and will switch your policy in no time. We believe that superior customer support makes all the dierence and will help us keep longterm relations with you.
We are an Independent Insurance Agency. Give us a try today! We are an independent insurance broker with competitive pricing, flexibility, various carrier options, and superb service. I'm a customer of SIA(Sadowski Insurance Agency) since 2015, during those years customer care Mrs. Sadowski has never let me down.
Services
We view our relationship with our clients as a true partnership, which is why we are dedicated to providing the highest level of satisfaction by delivering your personal and business insurance products and services at the most reasonable cost.
Every insurance company will assess the value of your home before issuing the home policy.
The replacement value will be the main factor in determining the policy premium.
Going away for an extended vacation?
Living for military deployment?
Garaging your convertible for winter?
Every insurance company will assess the value of your home before issuing the home policy.
The replacement value will be the main factor in determining the policy premium.
Going away for an extended vacation?
Living for military deployment?
Garaging your convertible for winter?
Your driving history is a major factor in how your risk is viewed and how your premium gets calculated.
Your last moving violation.
You've had 0 violations for at least 1 year prior.
You complete a driver improvement program.
Credit can only be received every 2 years.
You can order a copy of your NJ driving record for a $15 fee.
Liability Coverage pays damages due to bodily injury and damage to another's property for which you are legally responsible.
If you're sued, it also pays your defense and court costs.
Your last moving violation.
You've had 0 violations for at least 1 year prior.
You complete a driver improvement program.
Credit can only be received every 2 years.
You can order a copy of your NJ driving record for a $15 fee.
Liability Coverage pays damages due to bodily injury and damage to another's property for which you are legally responsible.
If you're sued, it also pays your defense and court costs.
Make sure that you are getting all of the credits for which you are eligible.
If you have an alarm system that reports to a central station, you can get up to a 10% discount.
You typically get discount for recent updates in electricity, plumbing and heating systems as well for a newer roof.
Your home and its contents are among your biggest investments.
The homeowners insurance covers your home, additional buildings on the property and your personal property.
It also comes with liability protection.
If you have an alarm system that reports to a central station, you can get up to a 10% discount.
You typically get discount for recent updates in electricity, plumbing and heating systems as well for a newer roof.
Your home and its contents are among your biggest investments.
The homeowners insurance covers your home, additional buildings on the property and your personal property.
It also comes with liability protection.
Many things determine what you pay in premium for General Liability coverage, but most important is your classification code.
It is obvious that an accounting firm is taking on a lot less risk compared to a roofing company.
The level of risk is going to be represented in the amount those businesses pay for premium.
If you're a contractor and do not own any commercial buildings that require property insurance, or you have no need to cover payroll or other operating expenses, you need Commercial General Liability Insurance that protects small-business owners from claims of injury, property damage, and negligence related to your business activities.
It is obvious that an accounting firm is taking on a lot less risk compared to a roofing company.
The level of risk is going to be represented in the amount those businesses pay for premium.
If you're a contractor and do not own any commercial buildings that require property insurance, or you have no need to cover payroll or other operating expenses, you need Commercial General Liability Insurance that protects small-business owners from claims of injury, property damage, and negligence related to your business activities.
Every insurance company will assess the value of your home before issuing the home policy.
The replacement value is the main factor in determining the policy premium; it is the cost of rebuilding your home to the same size and shape if it got completely destroyed.
The size of the building, amount of bathrooms, kitchens and any custom finish will determine the replacement cost, which is calculated between $200 and $250 per square foot for the average quality home.
Custom homes with more luxurious interiors are appraised with more details.
The replacement value is the main factor in determining the policy premium; it is the cost of rebuilding your home to the same size and shape if it got completely destroyed.
The size of the building, amount of bathrooms, kitchens and any custom finish will determine the replacement cost, which is calculated between $200 and $250 per square foot for the average quality home.
Custom homes with more luxurious interiors are appraised with more details.
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