<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>New Jersey Insurance Blog</title>
	<atom:link href="http://www.espositoins.com/NJInsuranceBlog/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.espositoins.com/NJInsuranceBlog</link>
	<description>Demystifying the Insurance Buying Process</description>
	<lastBuildDate>Fri, 18 May 2012 15:35:36 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.2.1</generator>
		<item>
		<title>Dogs and Home Insurance Policies</title>
		<link>http://www.espositoins.com/NJInsuranceBlog/homeinsurance/dogs-and-home-insurance-policies/</link>
		<comments>http://www.espositoins.com/NJInsuranceBlog/homeinsurance/dogs-and-home-insurance-policies/#comments</comments>
		<pubDate>Fri, 18 May 2012 15:35:36 +0000</pubDate>
		<dc:creator>esposi</dc:creator>
				<category><![CDATA[Homeowners Insurance]]></category>
		<category><![CDATA[Dogs and Home Insurance]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[insurance coverage]]></category>
		<category><![CDATA[insurance tips]]></category>

		<guid isPermaLink="false">http://www.espositoins.com/NJInsuranceBlog/?p=142</guid>
		<description><![CDATA[Q: I’m looking to obtain a dog, do I need to be concerned with my home insurance?  Am I covered? A: The liability in a home (or condo or tenant) insurance policy in most states covers animal bites; however, if you have a dog at the time your home insurance policy begins and don’t disclose [...]]]></description>
		<wfw:commentRss>http://www.espositoins.com/NJInsuranceBlog/homeinsurance/dogs-and-home-insurance-policies/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Does Your Insurance Policy Cover Your Children at College?</title>
		<link>http://www.espositoins.com/NJInsuranceBlog/homeinsurance/does-your-insurance-policy-cover-your-children-at-college/</link>
		<comments>http://www.espositoins.com/NJInsuranceBlog/homeinsurance/does-your-insurance-policy-cover-your-children-at-college/#comments</comments>
		<pubDate>Thu, 10 May 2012 01:30:28 +0000</pubDate>
		<dc:creator>esposi</dc:creator>
				<category><![CDATA[Homeowners Insurance]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[insurance coverage]]></category>
		<category><![CDATA[insurance for students]]></category>
		<category><![CDATA[insurance tips]]></category>

		<guid isPermaLink="false">http://www.espositoins.com/NJInsuranceBlog/?p=140</guid>
		<description><![CDATA[Q: What if my son or daughter is away at school?  Are they covered under my home insurance policy, or do they need to get their own? Generally, if a child who is a resident of their parents’ house rents the apartment directly and relocates, he or she needs his own policy. If he or [...]]]></description>
		<wfw:commentRss>http://www.espositoins.com/NJInsuranceBlog/homeinsurance/does-your-insurance-policy-cover-your-children-at-college/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Insurance Policy Coverage for Unmarried Cohabitants</title>
		<link>http://www.espositoins.com/NJInsuranceBlog/personalliability/home-insurance-policy-coverage-for-unmarried-cohabitants/</link>
		<comments>http://www.espositoins.com/NJInsuranceBlog/personalliability/home-insurance-policy-coverage-for-unmarried-cohabitants/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 21:13:36 +0000</pubDate>
		<dc:creator>esposi</dc:creator>
				<category><![CDATA[Personal Liability Insurance]]></category>

		<guid isPermaLink="false">http://www.espositoins.com/NJInsuranceBlog/?p=137</guid>
		<description><![CDATA[Home Insurance Policy Coverage Does a homeowner’s, condo, or tenant policy cover people living in the same household if they are not related? Generally, no. Under most circumstances the cohabitants each should have their own tenant condo or home insurance unless they are in a domestic partnership and the insuring company allows them to have [...]]]></description>
		<wfw:commentRss>http://www.espositoins.com/NJInsuranceBlog/personalliability/home-insurance-policy-coverage-for-unmarried-cohabitants/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is Gap Insurance?</title>
		<link>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/what-is-gap-insurance/</link>
		<comments>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/what-is-gap-insurance/#comments</comments>
		<pubDate>Fri, 20 Apr 2012 15:27:53 +0000</pubDate>
		<dc:creator>esposi</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[gap insurance]]></category>
		<category><![CDATA[insurance coverage]]></category>
		<category><![CDATA[NJ auto insurance]]></category>

		<guid isPermaLink="false">http://www.espositoins.com/NJInsuranceBlog/?p=134</guid>
		<description><![CDATA[Gap Insurance and Automobile Coverage When you have a loan or lease on your car and the car is totaled, often the market value of the vehicle is less than the money you owe the bank.  This means you are “underwater” and have to pay money out of your pocket to pay off the loan [...]]]></description>
		<wfw:commentRss>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/what-is-gap-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is Collision Coverage on an Auto Insurance Policy?</title>
		<link>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/what-is-collision-coverage-on-an-auto-insurance-policy/</link>
		<comments>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/what-is-collision-coverage-on-an-auto-insurance-policy/#comments</comments>
		<pubDate>Sat, 14 Apr 2012 15:38:44 +0000</pubDate>
		<dc:creator>esposi</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[collision auto insurance]]></category>
		<category><![CDATA[insurance tips]]></category>
		<category><![CDATA[NJ auto insurance]]></category>

		<guid isPermaLink="false">http://www.espositoins.com/NJInsuranceBlog/?p=132</guid>
		<description><![CDATA[Auto Collision Coverage Collision coverage covers your car against damage to your car in an accident you cause, or damage caused in a hit and run accident.  It is purchased on a car by car basis on a policy, meaning that not all cars on a given policy have to have it, or to have [...]]]></description>
		<wfw:commentRss>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/what-is-collision-coverage-on-an-auto-insurance-policy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Comprehensive Coverage on an Auto Policy &#8211; What it Means&#8230;</title>
		<link>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/comprehensive-coverage-on-an-auto-policy-what-it-means/</link>
		<comments>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/comprehensive-coverage-on-an-auto-policy-what-it-means/#comments</comments>
		<pubDate>Tue, 10 Apr 2012 17:38:22 +0000</pubDate>
		<dc:creator>esposi</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[comprehensive auto coverage]]></category>
		<category><![CDATA[insurance coverage]]></category>
		<category><![CDATA[NJ auto insurance]]></category>

		<guid isPermaLink="false">http://www.espositoins.com/NJInsuranceBlog/?p=127</guid>
		<description><![CDATA[What is comprehensive coverage on an auto policy? Comprehensive coverage covers your car against theft, fire, vandalism, damage from a falling object, flood, animal and other non-accident damage.  It is purchased on a car by car basis on a policy, meaning that not all cars on a given policy have to have it, or to [...]]]></description>
		<wfw:commentRss>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/comprehensive-coverage-on-an-auto-policy-what-it-means/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Personal Injury Protection and New Jersey Auto Insurance</title>
		<link>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/personal-injury-protection-and-new-jersey-auto-insurance/</link>
		<comments>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/personal-injury-protection-and-new-jersey-auto-insurance/#comments</comments>
		<pubDate>Tue, 20 Mar 2012 22:58:25 +0000</pubDate>
		<dc:creator>esposi</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[insurance coverage]]></category>
		<category><![CDATA[insurance tips]]></category>
		<category><![CDATA[NJ auto insurance]]></category>
		<category><![CDATA[personal injury coverage]]></category>
		<category><![CDATA[personal injury insurance]]></category>
		<category><![CDATA[personal injury protection]]></category>

		<guid isPermaLink="false">http://www.espositoins.com/NJInsuranceBlog/?p=125</guid>
		<description><![CDATA[The Newark Star-Ledger ran this article regarding PIP reform in NJ on Sunday, March 18.  PIP stands for Personal Injury Protection, and provides medical coverage under an auto insurance policy you have been injured as a driver, a passenger, or pedestrian and have been involved in a personal automobile accident. It underscores the rising costs [...]]]></description>
		<wfw:commentRss>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/personal-injury-protection-and-new-jersey-auto-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rental Cars and Personal Auto Insurance</title>
		<link>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/rental-cars-and-personal-auto-insurance/</link>
		<comments>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/rental-cars-and-personal-auto-insurance/#comments</comments>
		<pubDate>Tue, 20 Mar 2012 22:54:31 +0000</pubDate>
		<dc:creator>esposi</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[insurance coverage]]></category>
		<category><![CDATA[insurance tips]]></category>

		<guid isPermaLink="false">http://www.espositoins.com/NJInsuranceBlog/?p=123</guid>
		<description><![CDATA[Is A Rental Car Covered By My Personal Auto Insurance Policy? If you go away and rent a car while on vacation, generally speaking you get the best coverage for an individual car – liability, PIP Medical, uninsured motorists, comprehensive (if you have it) and collision (if you have it) for a vehicle on your [...]]]></description>
		<wfw:commentRss>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/rental-cars-and-personal-auto-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Personal Injury Coverage is Essential In the Facebook Age</title>
		<link>http://www.espositoins.com/NJInsuranceBlog/personalliability/why-personal-injury-coverage-is-essential-in-the-facebook-age/</link>
		<comments>http://www.espositoins.com/NJInsuranceBlog/personalliability/why-personal-injury-coverage-is-essential-in-the-facebook-age/#comments</comments>
		<pubDate>Mon, 19 Mar 2012 14:47:26 +0000</pubDate>
		<dc:creator>esposi</dc:creator>
				<category><![CDATA[Personal Liability Insurance]]></category>
		<category><![CDATA[insurance coverage]]></category>
		<category><![CDATA[insurance tips]]></category>
		<category><![CDATA[personal injury coverage]]></category>
		<category><![CDATA[personal injury insurance]]></category>

		<guid isPermaLink="false">http://www.espositoins.com/NJInsuranceBlog/?p=119</guid>
		<description><![CDATA[The recent decision finding Dharun Ravi guilty for invasion of privacy in the Tyler Clementi case underscores the importance of parents having personal injury coverage added to the liability in their home insurance. Personal Injury covers you from invasion of privacy, wrongful eviction, slander, libel and defamation of character. Home insurance does not generally coverage [...]]]></description>
		<wfw:commentRss>http://www.espositoins.com/NJInsuranceBlog/personalliability/why-personal-injury-coverage-is-essential-in-the-facebook-age/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Glass Coverage on Auto Insurance Policies</title>
		<link>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/glass-coverage-on-auto-insurance-policies/</link>
		<comments>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/glass-coverage-on-auto-insurance-policies/#comments</comments>
		<pubDate>Fri, 16 Mar 2012 14:27:07 +0000</pubDate>
		<dc:creator>esposi</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[insurance coverage]]></category>
		<category><![CDATA[insurance tips]]></category>
		<category><![CDATA[NJ auto insurance]]></category>

		<guid isPermaLink="false">http://www.espositoins.com/NJInsuranceBlog/?p=114</guid>
		<description><![CDATA[Generally, an auto policy covers the windshield on your car if you have &#8220;full coverage&#8221; on the vehicle.  Full coverage means that you have comprehensive coverage, which includes physical damage to the car not caused by an accident.  Use of the comprehensive coverage is subject to a deductible; however, if the windshield can be repaired [...]]]></description>
		<wfw:commentRss>http://www.espositoins.com/NJInsuranceBlog/autoinsurance/glass-coverage-on-auto-insurance-policies/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

