Bergen Insurance Group

07/09/2026

Can overhanging tree branches cost you a home insurance policy? 🌳🏠 Learn what insurers look for, how maintenance affects eligibility, and simple steps to reduce underwriting concerns. Read the full breakdown: https://wix.to/AONXRnl

Can you be denied home insurance because of tree branches? Learn why insurance companies inspect overhanging limbs, how tree maintenance can affect homeowners insurance eligibility, and discover why branches touching your roof may create underwriting concerns during new policies and renewals.

07/09/2026

Regular tree maintenance can help reduce potential roof damage and improve a property's overall appearance during an insurance inspection.

06/30/2026

Leaving a house vacant? Insurance companies often treat vacant homes differently — higher risk, stricter underwriting, and sometimes declined coverage. Read our latest blog to learn why, see real examples, and discover how to protect a vacant property before it becomes a costly problem:

Many homeowners are surprised to learn that a vacant home can create unique insurance challenges. Whether a property is for sale, inherited, undergoing renovations, or temporarily unoccupied, some insurance companies may view the risk differently than an owner-occupied home. Learn why vacant homes r...

06/30/2026

Vacant homes and hidden risks

When no one is living in a home, small problems can become expensive insurance claims before anyone notices.

Vacant Homes May Require Different Insurance

Many homeowners are surprised to learn that a standard homeowners policy may not always be designed for long-term vacancy.

06/18/2026

https://www.bergeninsurancegroup.com/high-risk-landlord-insurance-concerns-pools-trampolines-dog-liability

Pools, trampolines, and dog exposure may create higher liability concerns for landlord insurance policies and rental property underwriting. Learn how these high-risk property features may affect insurance eligibility, liability limits, and lawsuit exposure, and why some landlords consider umbrella i...

06/10/2026

Most condo owners know they need insurance.

What many don’t realize is that they may also be responsible for paying a portion of a large claim involving the condominium association.

That’s where Loss Assessment Coverage comes in.

Imagine a major storm damages common areas, a lawsuit exceeds the association’s liability limits, or a master policy deductible gets passed down to unit owners. Without the right coverage, you could receive an unexpected bill.

In this article, I explain:

✅ What Loss Assessment Coverage is
✅ What it typically covers
✅ Real-world examples of when it may apply
✅ Why many condo owners don’t realize they need it

If you own a condo in New Jersey, this is worth a few minutes of your time.

Loss Assessment Coverage may help protect condo owners when condominium associations assess unit owners for certain shared property losses, liability claims, or large master policy deductibles. Learn how Loss Assessment Coverage works, why condo owners may sometimes share financial responsibility fo...

06/07/2026

Wondering whether to file an insurance claim or pay for repairs yourself? At Bergen Insurance Group, we help New Jersey homeowners walk through the factors that matter: cause of loss, estimated repair costs, your deductible, and potential liability.

Small losses (like a minor ceiling leak) may be cheaper to handle out of pocket when the insurance recovery would only cover a small amount above your deductible. Larger losses (a storm-damaged roof, major structural repairs) often make filing a claim the smart choice.

Before you decide, ask: What caused the damage? Is it covered? What are realistic repair estimates? Could hidden damage or liability increase the cost? Call us first — we’ll review your options, explain how deductibles affect recovery, and help you compare outcomes across carriers so you make the best decision for your home and wallet.

Need a second opinion? Call 201-340-4080 or visit our article for examples and guidance: https://wix.to/R3zC4CU

Should you file an insurance claim or pay for the damage yourself? It's one of the most common questions homeowners face after unexpected property damage. Learn how deductibles, repair costs, coverage considerations, and liability concerns can influence the decision, explore real-world claim example...

06/06/2026

https://www.bergeninsurancegroup.com/what-is-windshield-coverage-on-auto-insurance

Windshield claims are becoming increasingly expensive due to modern vehicle technology such as cameras, sensors, ADAS systems, and recalibration requirements built into today’s windshields. Learn how windshield coverage works under comprehensive auto insurance, what full glass coverage and $0 dedu...

06/06/2026

Mixed-use buildings—apartments over shops, restaurants beside offices—look familiar but create unique insurance challenges. At Bergen Insurance Group, we break down how different occupancies change fire risk, liability exposure, and underwriting decisions so property owners can make informed coverage choices.

I explain real examples (restaurants under apartments, retail below residences, offices beneath living units) and highlight why a single claim can affect tenants, businesses, and rental income all at once. If you own or manage mixed-use property in New Jersey, it pays to compare options from multiple carriers and get a personalized review.

Want a clear, no-jargon evaluation of your mixed-use property’s insurance needs? Click to read the full article and learn what coverage to consider. Let us help you protect your investment with the right mix of policies and carriers. 🏢🔍

Read more: https://wix.to/jBZuFot

Mixed-use buildings combine residential and commercial occupancies under one roof, creating insurance challenges that often do not exist in traditional apartment buildings. Learn how apartments above restaurants, retail stores, and professional offices can affect property risks, liability exposure,....

06/06/2026