Conover Beyer Associates Personal Lines Insurance

New Jersey Homeowners and Auto Insurance for Every Need:
Umbrellas, Tenants, Condo and Flood Policies

Umbrellas
Personal umbrella insurance is liability coverage that provides an extra measure of security beyond the normal liability limits on your New Jersey auto insurance or homeowner’s policy. Conover Beyer’s umbrellas provide additional coverage if you're sued for damages suffered by someone as a result of an accident - involving your car, property, or while participating in recreational activities such as boating or golfing. Umbrella policies are a wise choice if you are exposed to risk of an incident that can result in a lawsuit from:

• Owning a swimming pool.
• Having a young driver in your family.
• Engaging in sporting activities like snow skiing, golf or baseball
• Operating personal watercraft or other high-risk recreational
  vehicles  

Need umbrella coverage? Click here for more information or call us today at 800-582-1200.

Tenants Insurance
Based on a 2003 survey completed by International Communications Research, over 64 percent of tenants do not have homeowners insurance. Surprising enough, this study also revealed that there are many misconceptions about this important coverage: it’s not necessary, it’s too expensive and it’s narrow in scope. Tenants: heed this important message: Many of you may be unaware of the high value of your clothing, furniture, computers, stereos, maybe even your extensive CD collection. Replacing these items can costs thousands, not to mention the emotional toll it can take on you personally. Conover Beyer can save you this unnecessary stress with homeowners insurance in New Jersey that suits your specific needs as a tenant.

Condo Insurance
Typically, your condominium association insurance will cover the building, any common property, and liability insurance for the association. However, if your couch gets damaged from the water leak above you, your TV and stereo equipment are stolen from a break-in, or your friend falls on your wet kitchen floor – you could be out of luck. That’s where condo insurance comes in. Through Conover Beyer, homeowners insurance in NJ for condo owners protects you from losses to your personal property and the interior of your unit. You will also have liability protection for bodily injury or property damage to others. Some associations may vary, so it’s best to check to see exactly where their coverage stops.

Flood Insurance
It may shock you that a loss from a  flood is 30 times more likely to occur than loss from a fire. With so many designated flood areas in our state, basic homeowners insurance in New Jersey will not cover items damaged from this type of risk unless you’ve added it to your policy. Typically, flood insurance will include;

• Structural elements, including walls, floors, equipment and fixtures.
• Contents, such as furniture, appliances, carpeting and wall and floor coverings.
• Personal items like clothing, audio equipment and televisions.

Contact Conover Beyer before the next storm hits! Click here for more information on flood insurance for New Jersey homeowners or call us today at 800-582-1200.