Homeowners Insurance

Insuring our Local Communities in New Jersey and Pennsylvania.

Insuring your home is a necessary part of homeownership. Everyone’s needs are different, so it’s crucial to work with experienced independent agents to make sure you get the best possible coverage. 

Contact the agents at Generation Insurance Services today to learn more about your home insurance options. We serve communities in New Jersey and Pennsylvania. 

What Is Homeowners Insurance? 

Homeowners insurance is a property insurance policy providing financial protection after disasters. It may help pay for repairs after a covered incident like a severe storm or fire. It may also cover your possessions and structures that aren’t attached to your home, such as a fence or detached garage.  

Your home insurance policy also includes liability coverage. Suppose a member of your family or one of your pets injures someone accidentally. Your liability policy may cover costs related to lawsuits, medical bills and related expenses. 

If you have a home loan, your lienholder may require that you carry specific types and amounts of homeowners insurance to protect their interest in your property. Your agent may recommend additional coverage, depending on your situation. 

Your home insurance policy may not include coverage for flood-related damage. If you have concerns about flooding in your area, talk with your agent to learn more about getting this coverage.  

Questions to Ask Your Agent About Homeowners Insurance 

One of the advantages of working with an independent agent is getting quotes from several reputable insurers on your behalf. Your Generation Insurance Services agent will work with you to build your ideal homeowners insurance policy.  

Here are some questions to ask your agent as you work through the process of getting homeowners insurance: 

 

• What is the insurance company’s reputation? Do they pay claims promptly?

• How much will it cost to replace my belongings and rebuild my home after a major catastrophe? How can I get enough coverage to handle those costs?

• What discounts are available for my situation?

• How can I file a claim if my home is damaged?

 

Get the Homeowners Insurance You Need Today 

Homeowners insurance is critical to your financial well-being. Having a well-designed policy structured to meet your needs means you’ll have access to the help you need without having to pay the total costs of home repairs after a covered event. 

Contact the agents at Generation Insurance Services by calling or texting 973-348-5886 to get the home insurance you need.