Homeowners Insurance

Your $10,000 engagement ring might only be covered for $1,500… did you know that? If you’re a homeowner in New Jersey, New York, or Pennsylvania, you may assume your homeowners insurance automatically covers everything you own—including your engagement ring, artwork, or collectibles. It makes sense. You’re already paying for personal property coverage, so why wouldn’t your valuables be protected? Here’s the reality: Most high-value items like jewelry, fine art, luxury watches

Owning a multi-family property in New Jersey—whether it’s a duplex, triplex, or four-family home—can be one of the smartest investments you make. It can also become a costly one if the insurance coverage doesn’t match the property’s use.

If you’re a New Jersey homeowner, you’ve probably noticed your homeowners insurance premium increasing each year — even if you haven’t filed a claim. You’re not alone. Across NJ, homeowners are seeing higher insurance costs due to rising construction expenses, more frequent storms, and stricter underwriting standards.

Storms are part of life in New Jersey — heavy winds, lightning, and even those surprise spring snowstorms can send branches (or entire...

With insurance premiums climbing, it’s time to ask: how much is homeowners insurance in NJ, and are you paying too much?

Owning a home on the Jersey Shore is a dream for many—but insuring one has become a growing challenge.

If you’re a homeowner in New Jersey, chances are your home is one of your largest financial assets. And while your homeowners insurance may seem comprehensive, many policies don’t cover one of the most common — and expensive — property issues: damage to underground service lines. Is service line coverage on your homeowners policy worth it? We help you understand this important coverage to make sure you are protected. At Overmyer Insurance Agency , we help our client understa

Pools, trampolines, dogs—are you still covered? Check your home insurance now. When you think about your dream backyard—maybe it has a pool, a trampoline for the kids, and even a friendly family dog—it’s easy to focus on the fun. But if you're a homeowner in New Jersey, especially with a property valued between $500,000 and $1 million, it's important to consider how these features affect your homeowners insurance eligibility  and liability protection. Many insurance companies

This is a quick guide about hurricane and windstorm deductibles on NJ homeowners insurance policies

If you're a New Jersey homeowner wondering about the maximum flood insurance coverage for residential property, it's important to know both your options — and your risks. Under the National Flood Insurance Program (NFIP), the maximum flood insurance available for residential properties is $250,000 for building coverage and $100,000 for personal belongings (contents). However, many New Jersey homes today are worth far more than $250,000, and the NFIP has important coverage li

Inflation, cost of materials, and labor have driven up the cost of rebuilding homes. Has your insurance kept up? Your Policy Might Not Be...

Let’s face it—home insurance isn’t exactly dinner table conversation. Most people glance at their renewal once a year, shrug, and tuck it away in a drawer. But if you haven’t reviewed your coverage in a while, you could be overlooking major gaps, outdated information, or missed opportunities to save. In this post, we’re going to answer questions like: What is a home insurance review? How often should I review my home insurance policy? Why should you review your insurance cove