About You & What’s New
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Your Home
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.
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.
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.
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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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.
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.
A Homeowner’s Policy specifically excluded Earthquake damage.
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.
Secondary residences or rental income properties are not automatically covered under your Homeowner’s Policy. Call us to discuss coverage for these properties.
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.
Policies covering secondary homes and rental properties do not have Workers Compensation.
Your Automobiles
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.
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.
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: