Personal Insurance

Buying a home in New Jersey and need flood insurance? Learn the differences between private flood insurance and the National Flood Insurance Program (NFIP), including coverage, pricing, Risk Rating 2.0, and how to choose the right policy for your home.

Summer storms are a fact of life throughout New Jersey, New York, and Pennsylvania. Strong winds, hail, heavy rain, lightning, and fallen trees can cause significant damage to homes and businesses in just a matter of minutes. If your property is damaged during a storm, it's easy to feel overwhelmed. Fortunately, taking the right steps immediately afterward can help protect your property, simplify the insurance claims process, and reduce the risk of additional damage. Here are

Wondering what information you need for a homeowners insurance quote? The good news is that, for most homes, the process is much simpler than people expect. In this guide, you'll learn what information insurance companies typically need, why they ask certain questions, and when additional details may be required for older homes, prior claims, or higher-risk properties. See how Overmyer Insurance Agency makes the quoting process easy by doing much of the research for you and c

Many homeowners are surprised to receive roof repair requests, tree trimming notices, or dwelling coverage increases without anyone ever visiting their property. In 2026, insurance companies increasingly rely on aerial imagery, satellite photos, and advanced property analytics to evaluate homes and determine risk. Learn how homeowners insurance aerial imagery is changing underwriting decisions, replacement cost estimates, and policy renewals—and what homeowners can do to stay