Someone Knocked My Bike Over, Will My Motorcycle Insurance Cover It?

If someone knocks your bike over in Mt. Ephraim, NJ, and does some serious damage to it, insurance can help you to cover that, but it can get a little complicated depending on the circumstance.

If someone is decent enough to leave a note with their insurance information on it, or if you witness it and can talk it out with them, their auto insurance will handle the damages. It is unlikely that you’ll get much resistance from their insurer. It happens, of course. But insurance companies know that a lawsuit can be more expensive than replacing a broken mirror and kickstand, so most of them will play ball.

It gets a little complicated if they hit and run, and you don’t catch their license plate number, if they don’t carry car insurance, or if they weren’t in their car when it happened. In some instances, you may simply have no idea what happened. You’ll come outside and find your bike tipped over, and for all you know some stray dogs were fighting next to it, or some kids were playing on it and tipped it over.

But, in these instances, that’s what you have comprehensive and collision insurance for. It’s a good idea to carry uninsured driver insurance to make sure that you’re covered even if the person who ran into your bike is not.

As far as your insurer is concerned, a bike tipping over isn’t so different from damages to a parked car. If your car insurance will cover vandalism, your motorcycle insurance will cover some drunk guy leaning on your bike and knocking it over.

If you’re still shopping around for motorcycle insurance, get in touch with Marino Agency Inc. You can call or get in touch online at the Marino Agency Inc. website. We can help Mt. Ephraim, NJ motorcyclists to get the insurance they need to ride safely.

Should I Upgrade My Health Insurance in Mt. Ephraim?

Health insurance in Mt. Ephraim, NJ comes with a lot of terms, no matter how straightforward your policy. But when it comes time to request a prescription or pay a copay, do you really know what’s going to happen? Chances are, you might be surprised when you’re billed later on. Marino Agency Inc. understands that there are a lot of questions about the level of coverage, so we’ll look at whether or not you should consider upgrading. 

New Concerns 

There are some people who feel fit as a fiddle for many years on end. They never run into any serious injuries or illnesses, and they would just as soon skip their annual checkup. But just because you haven’t needed a doctor, doesn’t mean that it will always be that way. Even people with clean bills of help can be subjected to any number of emergencies or accidents. If you’re operating on a base plan, you may not have all the savings you need to account for a major deductible. 

Planning Ahead 

As you age, your body is less able to fend off illnesses and recover from injuries. There are plenty of ways to improve your strength of course, by eating well and exercising, but even the most stringent of diets and cardio routines may only do so much. If you want to plan ahead or just expand your preventative care, the right health insurance policy can help. 

Marino Agency Inc. is here to serve the people of Mt. Ephraim, NJ, and help them get the coverage they need. If you have questions or you’re looking for a quote, we’re here to go over the policies available to you and how they can either work for or against you. 

Do You Live In A Flood Zone?

Review your Flood Zone Yearly

If you live in a flood zone check with your city government at least twice a year to find out if your zone had any changes. Checking your zone helps you to keep up with your homeowner’s and flood insurance requirements. 

Do you reside in or the surrounding areas of Mt. Ephraim, NJ, including areas in Pennsylvania?

Do you need flood insurance on your home or business, or do you need to make changes to your current policy? 

Cities susceptible to flooding due to a history of flooding are called, "Flood Zones." Cities in these zones occasionally expand or change flood zones due to an increased or decreased history of flooding. If you have a mortgage on your home your lender requires you to have flood insurance if the house sits in a flood zone. 

The rule of thumb years ago was if you needed flood insurance the only place you could buy your flood policy was through FEMA. Now the insurance marketplace has alternatives. Contact one of our licensed insurance agents at Marino Agency, Inc, we serve Mt. Ephraim, NJ, and surrounding areas. Call or stop by for a free no-obligation insurance quote.  

Is Flood Insurance, an Urgent Need?

Your homeowner’s insurance may pay little to nothing if your home is damaged totally or in part due to flooding and you are at a higher risk of losing everything you worked so hard to obtain. It is your responsibility to seek flood insurance to protect your home and its contents. 

We, at Marino Agency, Inc serve Mt. Ephraim, NJ, and surrounding areas including parts of Pennsylvania. We are a family-owned and operated insurance agency since 1982! We work hard to meet and exceed your expectations. We urge you to see us at least yearly for a review of your coverages. Call us today or stop by for a free, no-obligation quote on flood insurance and any one of our many other insurance types.

3 things to keep in mind when buying condo insurance

It is quite clear that living in a condo is not the same as living in a home. There is no basement or backyard, and you do not need to worry about mowing the lawn or shoveling a front walk. When it comes to insurance, condo insurance significantly differs from home insurance. If this is your first buying condo insurance in Mt. Ephraim, NJ, you might get confused by the complex rules, and that’s why it is essential to ask the correct questions when buying insurance. However, Marino Agency Inc. has insurance experts that can help take you through the condo insurance journey.

1. How much condo insurance do you require?

Condo insurance is complicated because of various HOA regulations and policies. You must determine how much coverage is adequate to cover your personal belongings, furniture, floors, walls, ceilings, kitchen cabinets, and other fixtures. Note down the items in your condo unit including furniture, appliances, electronics, and clothing. Also, keep a record of that expensive artwork.

2. Condo insurance rates vary by state

The average condo insurance rates vary by state. You can search for the average insurance rates in New Jersey before you go shopping. You will need the information to guide you in your condo insurance purchase.

3. Enquire about loss assessment coverage

As a condo owner, you should research and ask about loss assessment coverage which helps pay for condo related damages. As a member of the condo association, you primarily own the most significant and most common areas. However, you can always pay as an individual condo owner, especially if claims go beyond the association’s policy or uncovered losses occur.

It is essential to keep in mind that just like home insurance, condo insurance does not cover floods. Therefore, if your condo is around a flood zone, you may need a separate flood insurance policy. If you are looking to buy condo insurance, Marino Agency Inc. can help you find coverage that best suits your needs. Be sure to pay us a visit to Mt. Ephraim, NJ today!

Make sure your boat is covered, both in and out of the water

Owning a boat is a great thrill, and allows you to spend quality time with your friends and family. But before you get your craft out and ready for the water, make sure that you have the comprehensive insurance coverage that you need. Boat owners in the greater Mt. Ephraim, NJ area count on the team at the Marino Agency Inc. to help them secure the right boat policy for their needs. Don’t discover too late that your policy lacks the coverage you need! We’re here to help you find the right protection that will safeguard your boat both in and out of the water.

Benefits of a Comprehensive Boat Insurance Policy

With a robust and complete boat insurance policy you can be protected both in and out of the water. There are policies available that include coverage while your boat is in the marina or in storage, that can protect you in the event that your vessel is damaged during a covered event. Liability insurance is another essential benefit of a comprehensive policy. This coverage option protects boat owners in the event that their craft is involved in an accident or another mishap that causes damage to property or bodily harm. When you have comprehensive coverage, you and your boat can also be covered when you are traveling to the water. Towing your boat can be rife with possibilities for accidents and damage. Make sure that you are protected!

Is it time for you to review and possibly upgrade your boat insurance policy? Give the team at the Marino Agency Inc. a call today. We can meet with you and review the options for comprehensive boat insurance that are available in the greater Mt. Ephraim, NJ area. 

Do I need life insurance if I am young?

You are young and living your best life with your family in Mt. Ephraim, NJ. Retirement is several years away and you plan to have all of your debt paid off by then. Have you considered the possibility of tragedy striking and leaving your loved ones with bills they cannot pay? Such is a real possibility when you go without life insurance. The agents at Marino Agency Inc. can help you find the best life insurance policy that fits your needs now and also secures you for the future. 

Why should you buy life insurance at a young age?

Some individuals fail to realize the importance of buying life insurance early in life. Most providers follow a scale when giving a quote for insurance. Individuals in good health who choose to purchase a life insurance plan before the age of 30 are likely to pay less in monthly premium amounts than those who wait until they are 40-years-old to consider a plan. You, in essence, save money when you decide to purchase a plan now instead of later. 

Another reason to purchase a plan early is because of the possibility of emergencies. Whole life insurance allows you to cash out the interest of the plan so that you can do take a much-needed vacation or get caught up on bills. Term life insurance comes with the benefit of lower monthly premiums and becomes immeasurably useful to your loved ones when you pass away. 

How much life insurance do you need?

The average person in Mt. Ephraim, NJ needs life insurance to cover death in the unfortunate instance of his or her passing. You may need more coverage if you have a family and a home. An agent at Marino Agency Inc. can help you find the best policy for your lifestyle. Call today to get started with a quote for life insurance!

The Ins and Outs of Condo Insurance

Condo insurance in Mt. Ephraim, NJ differs slightly from homeowner’s insurance so it helps to know the basics. Your condo or homeowners association carries a master policy that is used to insure the building and pay for accidents that occur in the common areas. However, the HOA won’t pay to repair the inside of your unit after a disaster or pay to replace any stolen or damaged belongings. This is why you need your own condo insurance policy.

Why You Need Condo Insurance

You need condo insurance in case there is damage to the interior of your unit, your belongings are stolen, someone gets hurt in your home, you aren’t able to live in your condo due to damage that is covered by your policy, or the damage exceeds the HOA policy’s limit.

The Responsibilities of the HOA

There are some things that your HOA master policy is responsible for covering. Keep in mind that as a condo owner in Mt. Ephraim, NJ you aren’t responsible for repairing the exterior damage, such as the roof after a fire, storm, or disaster. The common areas also generally fall under the jurisdiction of the HOA, including lobbies, elevators, hallways, and tennis courts. If a visitor is injured on the walkway outside the building then your HOA covers the liability and not you.

How Much Condo Insurance Should You Buy?

An agent at Marino Agency Inc. can help you determine how much coverage is right for you based on your master policy. Some HOA master policies do cover more than others, such as original lighting, fixtures, and cabinetry, so you want to make sure you are protected. A good place to start is with a home inventory in order to know how much you need for your belongings.

Contact Marino Agency Inc. to get a quote on condo insurance.

Is It Necessary To Review Your Boat Insurance Annually?

Annual boat insurance reviews may not seem all that important. After all, why does an Mt. Ephraim, NJ resident need to concern themselves with such things when they already have a policy? However, experienced agents at Marino Agency Inc. know the importance of annual review and are ready to impart their wisdom. 

There are a number of factors that must be considered when it comes to boat insurance and they need to be reviewed on a yearly basis. If these factors are not assessed each year, the boater may have insufficient coverage. 

For starters, the value of the boat must be considered annually. Let’s say that the owner of the boat has put some serious money into upgrades and repairs. If the boat is worth more than it was last year, the insurance policy is going to have to reflect that. Has a faster engine been installed? This is something that has to be discussed with an experienced insurance agent.

Maybe the boater is looking to add to their fleet by purchasing a different type of boat. If they do not take the time to review their policy, they are not going to have enough coverage. Don’t make the mistake of assuming that any additional purchases are going to be folded into the existing coverage. 

Last but not least, the boater could have decided to receive a formal safety certification. As you may have expected, those who take the time to increase their level of boating safety are going to want to take the time to review their policy. The costs that are associated with boating insurance can be lowered when safety courses are taken, much like an auto insurance policy.

To find out more about the myriad of benefits that are available to those who take the time to receive annual boating insurance reviews, Mt. Ephraim, NJ residents must take the time to head to the Marino Agency Inc. website today. Don’t leave anything to chance! 

What Does Life Insurance Cover?

Life insurance coverage in Mt. Ephraim, NJ can be discussed in two ways. There are the expenses it covers and the type of death it applies to.

Many people choose to get life insurance in Mt. Ephraim, NJ in order to cover many of these expenses:

Everyday Expenses and Monthly Bills: Whether you are the secondary or primary breadwinner, there are expenses that you will be leaving behind. The payout from life insurance can cover the bills and allow your family to keep their standard of living.

Co-Signed Debts: If you have any debt, the debt won’t die with you. Instead, your co-signer is responsible for the balance. Even if your loved ones aren’t co-signers, they may keep certain loans related to livelihood like the mortgage.

Childcare: Life insurance policies can cover childcare expenses. If a stay-at-home parent dies, the working spouse needs to pay for these services. If the breadwinner dies then the surviving spouse will have to shoulder the cost of childcare.

College Tuition: Even if you aren’t paying for college now, life insurance can be used to cover this expense down the line.

End-of-Life Expenses: The death of a loved one can create a financial burden with the costs of a burial and funeral.

Standard life insurance will cover almost every case of death related to an accident, illness, or natural cause. However, there are some caveats. If you aren’t sure what your policy covers, speak with an agent at Marino Agency Inc. Life insurance covers death from natural causes, accidental death, and murder. Some policies have a clause that won’t pay out if the beneficiary had a role to play in the policyholder’s death. Most policies will be rejected if the policyholder dies within two years of the start date and the death is ruled a suicide.

Contact Marino Agency Inc. to get a quote on life insurance. 

When is commercial insurance required?

If you are an owner or manager of a business in the Mt. Ephraim, NJ area you already know that there are a lot of risks that come with along with entrepreneurship. When you are trying to own or manage a business, one great way that you can mitigate some of these risks is by having commercial insurance. Not only is it helpful and beneficial, but it can also be required in some situations. 

Take Out a Loan

One situation in which you may need to have commercial insurance is if you take out a loan for your businesses. Most organizations and businesses today would benefit greatly by taking out a loan or other financial instrument. If you do take out a loan, your lender will undoubtedly require that you get appropriate insurance for your business. This is a necessity for a loan as the lender knows that this will protect your company during an unexpected situation. 

Hire Employees

You will also need to get commercial insurance if you choose to hire a staff. In the state of New Jersey, those that have employees are required to have workers compensation coverage at all times. This type of insurance coverage will provide insurance for the employee in the event they are injured while on the job and are not able to work. Not having the right coverage could be a major violation of state law. 

When you are looking to strengthen your Mt. Ephraim, NJ area business, you should reach out to the Marino Agency Inc. When you speak with the professionals at the Marino Agency Inc. you can learn far more about what your commercial insurance options are. They will then help you to pick the coverage and policy that is right for your company to ensure your business is properly protected.