Sadowski Insurance Agency

08/22/2022

While insurance rates are increasing everywhere, there are several ways you can reduce homeowners insurance costs and/or avoid policy denial.

1. More options. Better insurance.
Shop and compare to see if you can get a better deal for the same level of coverage. I'll compare insurance rates from leading insurance providers and present you with the best offer.

2. Seek discounts.
Get savings on your insurance premiums by bundling multiple products like your auto and home insurance policies. Discounts can also curtail your premiums. Contact me to see if you qualify for lesser-known discount opportunities.

3. Increase your deductible.
Increasing your deductible by $500 to $1,000 could save you as much as 25% on your insurance bill, according to the Insurance Information Institute. Be aware that deductibles can be subtracted from your total coverage amount.

4. Routinely maintain your home.
Claims may significantly increase your premiums and even be grounds for denial. Doing your due diligence by ensuring your systems are working correctly and identifying early signs of foundation problems will decrease the likelihood of significant damage.

03/17/2021

Your level of education, credit score and job can be used to determine how much you pay for auto insurance. Some New Jersey lawmakers say that discriminates against lower-income drivers, and the state Senate last week passed a bill banning it.

If you have questions, concerns or would like to check rates with multiple insurance providers, don't hesitate to call me, I'll be happy to help. (973) 580-3992 Aneta

“Low-income customers are being charged significantly more regardless of their driving history and that is unacceptable.”

02/08/2021

Does Homeowners Insurance Cover Snow Removal?
Now that we've got a lot of snow and ice, you may be curious if your homeowners' insurance will cover potential loss from winter conditions. What about snow removal? Here's what you need to know about your insurance and winter weather conditions.

Snow and Ice Damage
You may be comforted to know that your policy includes coverage for the damages caused directly from winter weather events. For instance, if your roof collapsed due to the weight of accumulated snow or if it sustained water damage from an ice dam, your homeowners' insurance may cover these losses. However, it's essential to understand that your insurer will not cover the damages caused by your negligence! For example, if you knew that your home's roof needed repairs back in summer and you did not address these fixes, then the roof damage you sustain during winter will likely not be covered by your insurance.

Snow and Ice Removal
When snow and ice collect on your roof and in your yard, it is your responsibility to remove it. While your insurer might cover removal if the snow or ice has caused your home damage, they will not cover preventative snow removals.

If you any questions regarding your homeowners' insurance or need a new quote, call me today. I am ready to get you the coverage that you need and likely save you money in the process. 973.580.3992.

12/24/2020

Sending you wishes for a healthy, happy Christmas!

10/29/2020

Did you know that your homeowners' policy does not cover rain flooding?

Your homeowner's policy does not cover any flooding caused by leaking roof or water cascading from the gutters and causing damage to your home. You are only covered if the rain gets into your house due to a covered peril, e.g., a windstorm that rips some shingles off your roof or breaks the window.
If you don't have Flood Insurance, please make sure your gutters are cleaned of the fallen leaves and acorns and that your roof is intact.

Flooding or storm surge caused by rain will be covered only by Flood Insurance. Think about getting the flood policy, even if you are not located in a flood zone – it usually costs a fraction of what a flood zone property owner would pay.

The rainy season is upon us; call me to discuss your options or get a quote: 973-580-3992

09/09/2020

Sifting through the policy options can be a frustrating experience. Let me gather required information, explain details & discounts and help you feel good about your home insurance.
Call me today @ 973.580.3992. All New Jersey & New York residential and commercial properties.

08/18/2020

Swimming pool or trampoline on premises will have an impact on your home insurance premium. Read more...

Every insurance company will assess the value of your home before issuing the home policy. The replacement value will be the main factor in determining the policy premium.

03/31/2020

Business Interruption Insurance vs. COVID-19

One coverage most businesses need is business interruption insurance. It helps replace the income your business loses if you can’t open for a time after a covered loss. But now that the owners need this coverage, insurance companies are telling them they’re not covered for COVID-19.

Claims filed by the business owners get denied based on an exclusion in the policy called the “Exclusion for Loss Due to Virus or Bacteria.” This clause is tucked into just about every commercial business insurance policy since 2006. The article states: “We will not pay for loss or damage caused by or resulting from any virus, bacterium or other microorganisms that induce or is capable of inducing physical distress, illness, or disease.”

It is a growing issue in New Jersey, where State Assembly is considering a bill to compel insurers to cover small companies for business interruptions caused by COVID-19. The bill A-3844 was recently pulled from a vote (after reading on March 16th), over concerns about the legality. Bill A-3844, which would force insurance companies to cover claims by New Jersey small business owners, remains a work in progress.

Bill: https://www.njleg.state.nj.us/2020/Bills/A4000/3844_I1.HTM

03/24/2020

Coronavirus vs. insurance.
Will we see lower car insurance premiums?

While drivers’ cars sit in their driveways, should car insurance companies lower premiums and give some financial relief to families struggling because of coronavirus? It’s too soon to tell; federal and state governments work on multiple relief packages.

Consumer groups have asked state insurance commissioners to direct insurers to give drivers price breaks.

03/13/2020

Please take this short survey; it will help me learn about trends and better assist clients. THANK YOU!

Insurance premiums have a nasty habit of rising each year. In light of that, I want to ask you a few important questions about your views on that matter:

02/20/2020

Girls are better in business!
Women are less ego-driven, better at multitasking, have more experience facing tougher barriers, and are more emotionally intelligent. Women are better at building deeper relationships with customers.

Girl Power! Call us today: Aneta (Sadowski Insurance) 973.580.3992, Małgorzata (Neptune Tax Services) 718.514.4973

02/19/2020

Insurance rates keep rising, and most people don't do anything about it. Are you concerned about high insurance rates in NJ? Let me check if you are paying more than you should. (973) 580-3992 [email protected]