• Home Insurance

    Coldest Arctic Outbreak in at Least Two Decades is Expected This Week

    When temperatures plummet, the risk of your pipes freezing and bursting skyrockets. In fact, burst pipes are one of the most common causes of property damage during frigid weather and can cause thousands in water damage—easily $5,000 or more, according to the Insurance Institute for Business and Home Safety. The pipes most at risk are those in unheated interior spaces such as basements, attics, and garages. Even pipes running through cabinets or exterior walls can freeze. The good news is there are some simple things you can do to keep your water running and your house dry. “Pipe insulation can cost as little as 50 cents per linear foot at your…

  • Car Insurance,  Home Insurance

    Winter Storm Harper

    The first winter storm of 2019 approaches New Jersey Winter Storm Harper is already pummeling parts of the West with heavy snow and will spread its mess of snow, ice and wind into the Plains, Midwest and Northeast into this weekend. Be prepared for icy conditions. Now is the time to review your homeowners and auto insurance.

  • Uncategorized

    Hurricane Florence Heading For a Destructive Strike on East Coast

    Until now, the 2018 Hurricane season has been quiet. This has all changed recently as three storms have kicked up and are heading toward the US. Hurricane Florence will lash the Carolinas and Virginia late Thursday as an intense hurricane with life-threatening storm surge, destructive winds, and potentially catastrophic inland rainfall flooding in one of the strongest strikes on record for this part of the East Coast. While not directly impacted by Hurricane Florence, New Jersey could be affected, depending on the path the storm takes once it makes landfall. New Jersey has seen record amounts of rain this summer making for soggy conditions. Additional rain and wind can lead…

  • Health Insurance

    Connect With a Doctor 24/7/365 From Home or Work

    Depending on your insurance provider, you can see a board-certified doctor within minutes for a range of common conditions, using your smartphone, tablet or computer. No appointment needed! This Spring has been one of the worst allergy seasons on record. With Horizon CareOnline you can see a board-certified doctor within minutes for common conditions Sign up for free and you can have a low-cost visit or chat: If your doctor’s office is closed or you don’t feel well enough to drive If you are caring for children or a family member and don’t want to bring them with you If you need to see a doctor but can’t fit it into your…

  • Life Insurance

    How to Choose the Right Type of Life Insurance

    Choosing the right type of life insurance can be confusing, but it’s also an important decision. Here are some guidelines that can help you narrow down your best life insurance options. You should consider term life insurance if: You need life insurance for a specific period of time. Term life insurance enables you to match the length of the term policy to the length of the need. For example, if you have young children and want to ensure that there will be funds to pay for their college education, you might buy 20-year term life insurance. Or if you want the insurance to repay a debt that will be paid…

  • Home Insurance

    Flood Prevention Tips

    Rain and warming temperatures could cause flooding, check out some things every homeowner can do to avoid flood damage, from Roy Spencer, owner of Perma-Seal Basement Systems. Before the Flood All it takes is a few inches of water to cause major damage to your home and its contents. MORE: Flood Resources 1. Shovel/remove the snow away from your foundation and siding. 2. Make sure your sump pump discharge hose is free/clear and not frozen. 3. Check that the battery on your backup pump is charged. 4. Clear your window well drains, sewer drains and any landscaping drains in your yard. 5. Even if you’ve never had water in your basement,…

  • Home Insurance

    Prevent Frozen Pipes

    When water freezes, it expands. That’s why a can of soda explodes if it’s put into a freezer to chill quickly and forgotten. When water freezes in a pipe, it expands the same way. If it expands enough, the pipe bursts, water escapes and serious damage results. Why Pipes Burst Surprisingly, ice forming in a pipe does not typically cause a break where the ice blockage occurs. It’s not the radial expansion of ice against the wall of the pipe that causes the break. Rather, following a complete ice blockage in a pipe, continued freezing and expansion inside the pipe causes water pressure to increase downstream — between the ice…

  • Business Insurance,  Car Insurance,  Home Insurance

    Weather-weary New Jerseyans are bracing for another round of winter weather

    Weather-weary New Jerseyans are bracing for another round of winter weather. Forecasters say Winter Storm Hercules should hit sometime Thursday and could drop several inches across the state before it exits early Friday. The precipitation is initially expected to be light, but will likely intensify by early Thursday evening. And temperatures should drop into the low single digits by Friday night, with subzero wind chills likely in most areas. Winter storm warnings were issued for northern Jersey, where 6 to 12 inches of snow is expected, while winter storm watches were issues for central and southern areas, which could get 3 to 7 inches. Those advisories will be in effect…

  • Business Insurance,  Car Insurance,  Home Insurance,  Uncategorized

    Forecasts call for up to 8 inches of snow in N.J. this weekend

    Another disruptive, but not disastrous, winter storm is expected to impact New Jersey this weekend, dropping several inches of snow across parts of the state and hindering travel Saturday, forecasters say. Light snow is expected to overspread the state Saturday morning, picking up in intensity as the day progresses before changing over to a wintry mix or plain rain in some areas, where enough warm air infiltrates the atmosphere. Forecasts call for between two and eight inches of snow in New Jersey by Sunday morning, with the higher amounts expected west of Interstate 287, though the majority of the state should see some fresh powder. Since this morning, the National…

  • Business Insurance,  Car Insurance,  Home Insurance

    Thanksgiving travel delays seem likely as winter storm barrels toward N.J.

    It’s going to be a wet Wednesday in New Jersey. (AccuWeather.com) A deadly winter storm that hammered the West will arrive over New Jersey by Thanksgiving, likely making a cold, wet mess of holiday travel plans before blowing out to sea, forecasters said today. But for the glass-half-full crowd, here’s a grain of decent news: Meteorologists believe most of the state will see only rain and be spared the weather system’s snow-producing potential. That won’t be the story for everywhere, though. For those north of Route 78 — especially in the western portions of the state — snow, ice and sleet are likely in the mix, said Walter Drag, a metrologist…