Timely Topics
When do I need a landlord policy?
If you completely rent a one to four family house and there is not a business on the premises, you need a landlord or dwelling insurance policy. Dwelling policies are similar to home insurance…
Read MoreWhat should I require from my tenants?
We suggest that all of your tenants be required to carry renter’s insurance for themselves as part of their lease with at least $500,000 in liability coverage. We also suggest that your lease require…
Read MoreIs my credit a factor in my insurance pricing?
Credit is used by nearly all insurance companies to either calculate a price or for acceptability.
Read MoreAre all insurance policies for homes the same?
Some policies are designed for less expensive homes and contain few additional coverages often found in higher end policies. Call us and we can discuss your situation and recommend different options.
Read MoreWhen do I need a home insurance policy?
If you live in a one to four family house and it does not contain a business, you qualify for a home insurance policy. This policy covers your home, other structures on the premises,…
Read MoreInsuring New Jersey Coastal Properties
Q: How does an investment property get valued for insurance? The best coverage will require that a building be valued at the reconstruction cost, which often is more than the cost to purchase, particularly…
Read MoreLandlord Insurance – What You Need to Know about Multi-Family Homes
esposito insurance group landlord insurance: multi-family homes (973) 284-1083 | www.espositoinsurance.com Q: What kind of insurance do I need for a multi-family home? If you live in the home, a standard home insurance policy…
Read MoreWhat You Need to Know When Insuring Commercial Properties
esposito insurance group insuring commercial properties (973) 284-1083 www.espositoinsurance.com Q: What kind of insurance do I need for a commercial real estate investment? A Businessowners Policy is usually the best value for a small…
Read MoreInsurance Tips For Newlyweds
Being newly married is exciting, but it also comes with a lot of new responsibilities. One important responsibility is reevaluating your insurance coverage. Use the following tips to make sure you are adequately protected:…
Read More#SaveYourSelfie: A Movement to End Distracted Driving
Between 2004 and 2013, the state of New Jersey experienced nearly 1.4 million motor vehicle accidents involving a distracted driver. These accidents resulted in more than 1,600 deaths and thousands more injuries. These staggering…
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