Personal Insurance
Robert Lloyd Coutts & Sons
shops the major insurance carriers to find the best New Jersey
personal insurance rates for you. Whether you need auto, home, motorcycle, watercraft, recreational vehicle, or flood insurance, we will work with you to find the right individual or bundled insurance for your needs. Calling us and having a conversation is the best way for us to provide you with an accurate quote.
Homeowners' Insurance
Homeowners insurance is a package policy, which means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. Damage to your home is covered, but there are exceptions. The most significant exceptions are damage caused by floods and earthquakes. You must buy a separate policy for flood however, earthquake coverage can be added by endorsement.
It is essential to know that the purpose of homeowners' insurance is to cover unexpected damage, not routine maintenance. As your agent, we can help you understand what is covered and what optional endorsements are available. Be sure to read your policy, so you know exactly what is included and what is not.
Auto Insurance
If you are involved in a car accident, auto insurance protects you against financial loss. Property, liability, and medical coverage are included in auto insurance.
- Physical Damage coverage - pays for theft of your car or damage from an auto accident.
- Liability coverage - pays for your legal responsibility to others for injury or property damage.
- Medical coverage - pays for the cost of treating injuries from the accident, rehabilitation, and sometimes lost wages and funeral expenses.
- Uninsured Motorists
Watercraft Insurance
When you have watercraft or boaters' insurance, you have peace of mind knowing that you, your passengers, and your investment are covered. We will help put together a policy that works best for the type of watercraft or boat you have.
Motorcycle Insurance
When determining what your insurance costs will be, your age, your driving record, where you live, and the type of motorcycle you own plays a factor. Our team will work with you to find the right policy and see if there are any available discounts.
Recreational Vehicle Insurance
Ensuring you have a true Recreational Vehicle insurance package policy, protects you from unpleasant situations should you experience a loss with your RV. Unfortunately, your auto and homeowner's policy may not cover this specialty vehicle. Also, without true Recreational Vehicle insurance, emergency expenses incurred while traveling would come out of pocket.
Our A + rated motorhome insurance companies can provide the right coverages for your RV.
Flood Insurance
Your homeowners' policy does not cover losses from a flood. Flood insurance provides reimbursement for all your covered losses. Call us today to determine which flood insurance policy works best for you and your home.
Dwelling/Landlord Insurance
A package policy providing property, liability, and loss of income for properties that you own, but do not live in.
Umbrella Liability Insurance
Could you be sued?
Anyone can be sued, regardless of income level, for just about any reason. If you’re not covered by a Personal Umbrella policy, you could be risking everything – your car, your home, the lifestyle to which you and your family are accustomed, and possibly even your future income.
Will Your Primary Insurance Policies Be Enough?
Typical auto, homeowners, and other property insurance liability limits may not be adequate to cover the large court judgments being awarded these days. If you ever have to pay such a judgment, Personal Umbrella coverage can provide extra protection and may help you safeguard your assets.
Have You Covered Every Possibility?
There are also some types of personal liability losses that your other policies may not intend to cover, including libel, slander, defamation of character or invasion of privacy. An umbrella policy fills gaps in your insurance policies by extending protection for these other types of claims. Best of all, this vital insurance protection is relatively inexpensive.
This policy provides an “umbrella” of protection over your other personal liability coverage.
