At Connell Insurance Agency we understand that keeping your residence protected through homeowners insurance in South Jersey is essential to the American dream of owning your own home. This is one of the biggest investments you will make in your life, and you’ll desire the best insurance plan available to safeguard it. You need the right agency to give you the right coverage for your most treasured asset.
Connell Insurance Agency is your neighborhood insurance agency, serving throughout South New Jersey and the suburbs of Philadelphia. We look to develop trusting relationships with our clients that will help us secure the type of coverage that suits your requirements. Our goal is to make the homeowners insurance buying process easy and stress-free for you.
- Reduce the Stress: We offer multi-product discounts with low rates and down payment options.
- Dwellings: Get the most value with discounts when you have multiple policies.
- Custom Coverage: Don't assume unnecessary risk. We'll help you build a plan that fits your lifestyle.
The following considerations are made when determining your homeowners insurance premium:
Replacement Value
Under-insuring your home's value is perhaps the biggest mistake homeowners make when insuring their homes. Not having enough coverage can lead to financial pain if the worst happens.
Amount of Personal Property Coverage
Personal property is the stuff you own — furniture, electronics and clothing, for example. Whether you own a home or rent an apartment, insurance policies typically include personal property coverage. This type of coverage pays to replace your belongings after a covered loss, such as theft or fire.
Personal Liability
Personal liability coverage is the portion of homeowners insurance that covers legal and medical expenses if you are found liable for someone’s injury or damage to their property.
Special Coverages
Also called a homeowners policy special form, an HO-3 policy is the most common type of home insurance form on the market. This type of coverage is referred to as open perils coverage, with a peril defined as any risk or cause of loss to your home.
