Homeowners Insurance

2026 Hurricane Outlook: Fewer storms expected, but don't ignore your coverage. The 2026 Atlantic hurricane season officially began on June 1 and runs through November 30. While forecasters are predicting a quieter season than we've seen in recent years, homeowners along the East Coast should not let their guard down. The National Oceanic and Atmospheric Administration (NOAA) recently released its outlook calling for a below-normal Atlantic hurricane season in 2026. Private fo

Thinking about renting out your home? Many New Jersey homeowners become accidental landlords after moving, purchasing a new home, or deciding not to sell their current property. Before handing over the keys, it's important to understand how your insurance needs may change. Learn the differences between homeowners insurance, landlord insurance, and DP-3 policies, along with liability risks, vacancy concerns, and umbrella coverage considerations for first-time landlords.

If you’ve ever shopped for insurance online, you’ve probably asked yourself: “Am I paying extra to use an agent?” “Would it be cheaper if I just went direct?” These are fair questions—and ones I hear all the time. The reality is, there are a few major misconceptions about how independent insurance agencies actually work. And in many cases, believing these myths can cost you more money—or worse, leave you underinsured when it matters most. Let’s break down three of the most co

If you’re a homeowner in New Jersey, one of the most common questions I get is: “How much should I actually be paying for home insurance?” The answer is not always straightforward, but there are real pricing ranges and trends you should understand—especially heading into 2026.

Insurance shopping is increasing in 2026 as homeowners and drivers face rising premiums, underwriting changes, and non-renewals. Learn why more people are comparing insurance policies and what to consider before switching coverage.

Buying a Condo in NJ? Here’s What Insurance You Actually Need If you’re buying a condo in New Jersey, one of the most confusing parts of the closing process is insurance. I receive calls every week from new condo buyers who say: “My lender says I need condo insurance… but doesn’t the association already cover the building?” The answer is: maybe — but not the way you think. Before purchasing a condo insurance policy (also called an HO-6 policy), you must first understand: Wha

Frozen pipes in extreme cold can cause major damage to homes and businesses. Learn what to do immediately, how the insurance claim process works, and how the right guidance can make all the difference during a winter loss.

Many New Jersey homeowners are being surprised by umbrella policy non-renewals heading into 2026. Stricter underwriting rules and rising liability risks are making personal umbrella insurance harder to obtain — even for households with clean records. Learn what’s changing and how NJ homeowners can still protect their assets.

Home insurance is no longer just about paying claims after damage occurs. In 2026, insurance companies are shifting toward prevention—favoring homes that can detect problems early and reduce losses before they become costly insurance claims.

Insurance isn’t “set it and forget it.” Life changes, rebuilding costs rise, and policies evolve. If you haven’t reviewed your insurance coverage in a while, there’s a good chance it no longer matches your life today.

Why NJ homeowners are receiving insurance non-renewal notices—and what you can do to protect your coverage. If you received a NJ homeowners insurance non renewal notice , you are not alone. Homeowners across New Jersey—many with clean claim histories and well-maintained homes—are being notified that their policies will not renew in 2025. For many, it feels unexpected, confusing, and unfair. This guide will help you understand why this is happening , what it means for your hom

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