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How to handle your insurance coverage audit with less stress. And Why Pay-As-You-Go Could Save Your Business Time, Money, and Headaches Running a small or medium-sized business in New Jersey comes with a long checklist of responsibilities—keeping your customers happy, managing employees, staying on top of your finances… and then, suddenly, your insurance company sends you an audit notice . If you've ever opened one of those letters and felt a sinking feeling in your stomach,

If you’ve put time, money, and love into a classic or exotic car, then protecting it with the right insurance isn’t optional—it’s essential. Whether it’s a 1969 Mustang, a 1990s Supra, or a Porsche that only comes out on weekends, or nice weather days, standard auto insurance just doesn’t cut it.

2 Must Have Teen Driver NJ Auto Insurance Discounts - Plus 1 You Probably Don't Know

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

Running a small or medium-sized business is never easy. As the owner of The Overmyer Insurance Agency (OIA), I know firsthand how much...

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