Safeguard Your Digital Life

When someone breaks into your home or hits your car, the results are usually immediate and obvious. But when someone steals your identity or compromises your online accounts, disaster can strike right under your nose — and come with disastrous consequences. Consider identity theft insurance from Insurance Agencies Inc., which is designed to protect you in the event of such situations.

Credit card fraud, loans taken out in your name, stolen bank accounts and bogus insurance policies filed in your name are all possible means to compromise your identity. As the world has grown increasingly digital, this problem has increased in scope. Identity theft can happen through physical circumstances (say, losing your wallet) as easily as it can through seemingly innocent Internet browsing (such shopping on a malicious site and giving key personal details to the wrong people). Major data breaches of businesses and digital databases are also sources of concern.

Protect Yourself from the Unseen

Identity theft crimes can have long-term ramifications, scarring your credit rating and creating years of financial headaches. Such scenarios are exactly what we strive to prevent. Insurance Agencies Inc. offers comprehensive identity theft protection to keep you empowered in an uncertain world. Forms of protection include reimbursing you for your fraudulent charges, credit alerts and credit monitoring.

Providing Identity Theft Insurance Across NJ

Identity theft insurance is often tied to home insurance or renters insurance as an “endorsement” to a currently existing policy, but it’s an important form of insurance all its own. Get in touch with an agent at Ridge Insurance to discuss what kind of identity theft insurance may be right for you.

Jewelry is more important to you than perhaps any other possession. Necklaces, heirloom rings, brooches containing precious stones—they not only have a lot of monetary value attached, but they also have significant meaning to you personally. You want to protect and preserve them, and to do that, you will need the essential protection offered by jewelry insurance.

If you are looking for jewelry insurance in Northfield, Atlantic City, Brigantine, Berlin, then just come to Insurance Agencies Inc. We are committed to helping you protect these coveted items in all of the best ways.

What is Jewelry Insurance?

Standard homeowners insurance often does not provide adequate possessions coverage for jewelry of value, which is why specific jewelry insurance is essential for anyone who has pieces they want to protect. It will provide coverage for nearly all types of jewelry, including necklaces, bracelets, earrings, rings (and wedding sets), watches and more.

Generally, it covers you against numerous circumstances, including:

• Damage (Your necklace accidentally snaps and needs significant repair)
• Loss and disappearance (Your wedding ring vanishes without a trace despite all your best efforts to find it)
• Hazard loss (a fire damages your home, and several pieces are burned beyond repair)
• Theft (Your house is broken into and your high-end watch is stolen)

Jewelry coverage is not the same as jeweler warranties, and in many pieces they are far more extensive in what they will cover, and affordable, too.

Do I Need Jewelry Insurance?

If you have a piece of jewelry that is particularly valuable to you, then you are strongly encouraged to buy jewelry insurance. It will always be a fraction of the cost value of the items themselves, and will help you save significant money in case of an unfortunate loss of property.

Many people buy their jewelry insurance through a stand-alone policy. Others, however, add specific pieces to their homeowners or renters insurance policies as endorsements. The latter is an efficient way to insure individual items against loss. However, there will be limitations attached to scheduled items riders, which is why a separate jewelry insurance policy will be better for those who have items of particularly high value that they want to insure against a greater number of loss scenarios.

In certain cases, jewelry insurance policies can cover worldwide travel or offer discounted premiums for storing your jewelry in a bank vault. It’s important to speak to an agent at Insurance Agencies Inc. to understand what jewelry insurance options are available for you.

All homeowners or auto insurance policies generally offer you liability insurance, and sometimes you even have a requirement to buy this coverage. Liability insurance exists to help you pay for the losses of others that are your fault and your responsibility to pay for.

However, there’s no guarantee that your standard liability insurance will pay for all of these losses. Rather than put yourself in a financial bind because of this obligation, consider enrolling in personal umbrella insurance.

Ridge Insurance has your needs at heart when helping you develop a personal insurance portfolio that includes all of the coverage options you need. If this includes personal umbrella coverage, then we’ll help you always receive optimized protection from a policy of your choosing.

We proudly offer policies to customers in Northfield, Atlantic City, Brigantine, Berlin, Egg Harbor Township and surrounding areas.

What Can Personal Umbrella Insurance Do For You?

You buy liability insurance because you never know when you might make a mistake that harms someone else. For example, auto liability insurance pays for third-party injuries or property damage when a wreck is your fault. Homeowners liability insurance might pay if a guest in your home sustains an injury and then sues you for their medical costs.

However, these policies do have their limits, and there are times when you might face a significant claim that exceeds the terms of your policy. At this point, personal umbrella coverage can step in. It will cover liability claims above and beyond the limits of your standard liability coverage, and therefore provide a much better level of coverage for you.

A tailored umbrella policy can pay for numerous liabilities including:

• Bodily injuries
• Property damage
• Landlord liabilities
• Legal fees
• Personal injuries (e.g., libel or slander)

If a claim on your standard liability insurance policy exceeds that policy’s limits, then you can make a claim against your umbrella policy for the remaining costs. Therefore, you won’t have to pay a significant amount of money out of pocket even though your liability policy has already paid. One great perk of these policies is that one umbrella plan can apply to numerous personal liability policies you might own, including your home and auto coverage.

Please note that personal umbrella insurance does not apply to business liabilities, even if you have a home-based business. Additionally, your plan will never pay for damage to your own property. It will only pay in cases where you make mistakes that harm others.

Additional Protection for Additional Peace of Mind

Even if you have significant personal property and monetary savings, a high liability lawsuit could cause you a big financial loss.

Therefore, personal umbrella insurance will offer you considerable protection against the ramifications of these losses. The costs of these policies are well below what a qualifying umbrella liability insurance claim might be. It’s always in your best interest to carry this policy as part of your overall personal insurance portfolio.

Technology has made keeping up-to-date records of your personal finances, assets, and business documents easier than ever. No longer do you have to deal with scattered papers and overfilled filing cabinets. Instead, you can keep all of your most precious information neatly organized and secure on your own personal or business computer.

Unfortunately, accidents can also happen in the virtual world – from hackers to technological malfunctions. That’s why it’s important to be prepared, so you can keep your documents safe.

Data Backup is a specialty service from Insurance Agencies Inc. that ensures the safety of your electronic records, documents, and other important files by periodically backing them up for you to our secure server. It can save you time and money, as well as protect you from major information loss.