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What you need to know about long term care insurance

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You probably don’t want to think about getting old. You definitely don’t want to think about living in a nursing home or needing someone to help you with the basics of living.

But the facts are that around 70% of adults over the age of 65 need long term care assistance sometime in their life.

You may rely on the idea that Medicare will cover all these expenses but that just isn’t the case. This is where long term care insurance comes in. Here’s what you need to know.

[Read more…] about What you need to know about long term care insurance

Your property value in the case of a loss

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People are often surprised at the value the insurance company comes up with for damaged, destroyed, or stolen property. We’ve seen this happen with all types of insurance, whether it’s homeowners, business, or auto.

To avoid any surprises, it is helpful to understand how insurance companies determine the value of your property. Here’s a quick guide. [Read more…] about Your property value in the case of a loss

3 reasons to have more uninsured motorist coverage

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According to the Insurance Information Institute about one in eight drivers on the road is uninsured.

In New Jersey having a minimum amount of uninsured and underinsured motorist coverage is the law but these minimum amounts may not be enough to cover you adequately.

Having more uninsured and underinsured motorist coverage than the bare minimum can really pay off in real life situations. Here are 3 reasons why it may be worth getting this additional coverage. [Read more…] about 3 reasons to have more uninsured motorist coverage