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About You & What’s New

Have you changed your home address in the last year?

If yes, please provide address:

Preferred method of contact:
Policies currently with E&K
Are you currently set up with an automatic payment plan?
If no, would you like to learn more about discounts that may be available with an automatic payment plan?
Please indicate any upcoming changes you expect in the next year.

Your Home

Are you satisfied with your property coverage limit?
Are you satisfied with your contents (personal belongings) coverage limit?

It is estimated that 60% of residences in the U.S. are underinsured for the cost of their replacement.  A survey cited by the California Department of Insurance after recent wildfires found that 2/3 of affected homeowners had inadequate amounts of dwelling coverage and 47% had inadequate limits for contents (personal belongings).  Your policy should provide adequate coverage limits to cover the cost to rebuild, and furnish, your home in the event you suffer an entire loss.

Do you know if your current policy would cover the cost to rebuild your home in the event your home suffered an entire loss?
Are you satisfied with your deductibles?
Have you recently remodeled or made changes to the structure of your home?
Do you have a swimming pool or large structure not attached to your home?
Do you have a Wood Burning Stove?

Coverage for some types of personal property is very limited.  Personal property such as jewelry, furs, china, silverware, antiques, fine arts, guns, money, bullion, manuscripts, etc..., should be scheduled separately.

Do you own valuable jewelry, furs, antiques, collectibles or sporting equipment?
Have you recently installed a backup generator, smoke detector, fire extinguisher, burglar or fire alarm?

A Homeowner’s Policy may have limited coverage for items of personal property in off-site storage, including self-storage.  Please call us to determine if you need additional coverage.

Do you have personal property in an off-site storage facility?

The Personal Liability and Medical Payments section of your Homeowner’s Policy specifically excludes or limits business pursuits (anything generating revenue).  Coverage is available through our Commercial Insurance Department.

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Do you have a home office or run a business out of your home?
Would you like a no-obligation quote for Identity Fraud coverage?

We recommend purchasing an Umbrella Liability Policy.  This coverage would provide a minimum $1,000,000 layer of Personal Liability over your primary policies.  This policy is extremely important to guard against the large and catastrophic liability loss becoming more prevalent in today's legal climate.  The premium is surprisingly reasonable!  Please call us to obtain this vital coverage.

Would you be interested in learning more about additional liability coverage?

A Homeowner’s Policy specifically excludes Flood damage.  A separate Flood Insurance Policy is available no matter where you live.  You can purchase Flood coverage for your home and for your personal property.  We recommend that you purchase both coverages.  If you already have a Flood Insurance Policy, please speak to us about possibly increasing your coverage limits. 

Are you interested in Flood Insurance?

A Homeowner’s Policy specifically excluded Earthquake damage.

Are you interested in receiving a quote for Earthquake Insurance?

The Personal Liability and Medical Payments sections of most Homeowner’s Policies specifically exclude coverage from claims related to aircraft, recreational vehicles, motorized vehicles and some watercraft inboard/outboard motor(s) in excess of 50 horsepower, outboard motor(s), single or in combination, in excess of 25 total horsepower, and sailing vessels 26 feet or more in length.  Coverage is available.  Advise our office if you own any of these items.

Do you own or use any of the following:
If you rent or own a condo, do you have renters or condo insurance?

Secondary residences or rental income properties are not automatically covered under your Homeowner’s Policy.  Call us to discuss coverage for these properties.

Do you have seasonal/rental properties that are not insured through E & K Insurance Group?
Do you “host” your property through a home hosting service such as Airbnb?

Part-time, domestic employees (not engaged in your business) are automatically covered for Workers Compensation under your Homeowner’s Policy in New Jersey.  Please advise if you have full-time employees (40 hours or more a week).  The policy must be amended to include this coverage.

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Do you employ and full time domestic Employees?

Policies covering secondary homes and rental properties do not have Workers Compensation.

Do you hire anyone to help maintain or service your secondary or rental properties?

Your Automobiles

Do you have any other vehicles that are not on your current insurance policy?
Do any of your vehicle(s) have an anti-theft device (e.g., “Lo-Jack”)?
Has your daily commute changed?
Do you have children at or near driving age?
Have you recently paid off a car loan?

Leased vehicles may require additional coverage other than collision and comprehension to protect against total loss in case the value of the vehicle is less than the amount you are still liable for under the lease.  “Gap” Coverage is usually available through your leasing company.

Are you considering buying or leasing a new vehicle?

Consider increasing the liability limits on your Automobile Policy for the following coverages:  Bodily Injury and Property Damage, Uninsured Motorists and Additional Personal Injury Protection “PIP” (Income Continuation Provision & Death Benefit).  Additional PIP covers the named insured and a spouse.  Additional drivers in the household can be added at your request.

Do your limits meet your current needs & protect your assets?
Do you want enhanced rental coverage in case your car is damaged in an accident?
Are you interested in increasing your deductibles to lower your premium?
Has your health insurance plan changed recently?
Does your auto policy list all licensed members of your household?
In the past 12 months do you have any new drivers operating your cars?
Do you have any other policies that are not written through E&K?
Do you have young drivers on your policy who have a strong A/B average?
Do you have young drivers on your policy who have completed a driver-training course?
Do you own a motorcycle or recreational vehicle?
Have any of the drivers of the vehicles on your policy had an accident or received a ticket in the past 36 months?
Do you participate as a driver with any Ride Sharing or Transportation Network Company (e.g., Uber, Lyft); or host your vehicle(s) through a car sharing service (e.g., Turo, car2go)?

Please note: 

You cannot bind, purchase, change or cancel coverage using this survey.

You should contact E & K whenever changes occur in your household including, but not limited to, the following situations:

  • The purchase or lease of a vehicle.
  • A change in residence or second home.
  • The purchase of an item of jewelry or fine art.
  • Any incident that has, or may, give rise to a claim.