Homeowners and commercial insurance from a trusted agent
Homeowners insurance is not just for major disasters and calamities. Property owners in New Jersey face harsh weather conditions that can cause substantial property damage. For example snow and cold can result in damage to pipes; summer lightning and hail storms can also result in property damage and financial loss.
Elite Finance understands the challenges and insurance needs of property owners in hometowns and cities such as West Caldwell, Pinebrook, Fairfield, North Caldwell and Pursippany. They understand the importance of your home. It is your sanctuary and a place where your family should be safe and secure.
Whether you need homeowner’s insurance, condominium insurance, renter’s insurance, umbrella insurance or flood insurance, an independent and local agent can arrange the best rates and widest coverage possible. Provide you agent with all relative details that influence you premiums and policy cost. For example your distance from water, elevation, claims history and even your credit record can influence how much you will pay for your property insurance. Certain carriers for example offer exclusive savings and discounts to members of various college alumni groups.
If own or manage a business in New Jersey you definitely need solid commercial insurance to protect your business assets and financial interests. Preferably you need a custom tailored commercial insurance plan to protect you and your business in the event of an accident, misfortune or mishap. Your plan should include a one or more of the following:
- Business owners policy
- Business liability policy
- Commercial auto
- Professional liability
- Workers comp
Some items in your commercial insurance will remain constant whilst you will need to update and adjust other elements of your business insurance to take into account changed circumstances and risk profiles.
Also keep in mind improved business safety and related management processes can result in substantial saving on your commercial insurance premiums. Discuss all these matters with your agent and let them get the best insurance