New Jersey Homeowners with Home Insurance Coverage

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Home insurance coverage

Home Insurance

Do you own a home and want to protect it? Your answer lies in home insurance.

At All Atlantic Insurance Agency in New Jersey, we offer home insurance to help our clients protect their homes. While the coverage options in home insurance can be unlimited, the following are the most common.

  • Dwelling coverage: This coverage covers your house and attached and unattached structures. It will pay the cost of repairing or reconstructing the entire home and surrounding structures when need be.
  • Personal property coverage: Replacing personal belongings can be very expensive. This coverage pays for the cost of replacing personal items in case they are vandalized, destroyed by a natural calamity, or stolen.
  • Liability coverage: A guest to your home can get injured or have their property damaged while at your home. This coverage will pay for any expenses that might arise.
  • Loss of use coverage: Risks specified in your policy can render your home uninhabitable. It meets any additional cost incurred for you and your family as your home is being repaired or rebuilt.

Your policy can also have additional coverage options that can include but are not limited to:

  • Credit Card and Depositors Forgery Coverage Endorsement: It protects your credit card in case you lose them, or if they are used by someone else without your permission. It will also protect you against losses if a draft or check is forged.
  • Secondary Residence Premises Endorsement: This coverage includes a secondary residence. For instance, if you own a summer house, it will be protected against risks specified in your policy.
  • Guaranteed Replacement Cost: This is a complete coverage for your home once you have met set rules and regulations.
  • Scheduled Personal Property Endorsement: This coverage protects your most prized possessions such as coins, comics, jewelry, stamps, guns, and computers.

Regardless of where you are in New Jersey, we at All Atlantic Agency can help you protect your home. You can get an online quote, visit, or call our offices to get home insurance tailored to meet your needs. Reach out to our offices to speak with an agent and get started.