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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 But if you haven’t reviewed your coverage in a while, you could be overlooking major gaps, outdated information, or missed opportunities to save.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