The Insurance Türk blog
Notes from the Wayne office.
Short, honest reads on NJ insurance rules, ways to save and what actually happens during a claim. Written by advisors, not marketers.
FeaturedNJ auto minimums went up again. Are you actually covered?
Standard Policies issued or renewed in 2026 carry higher bodily injury limits. Here is what changed, what it means for your premium and why the minimum still is not enough.
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NJ rulesThe 30-day flood rule NJ homeowners keep missing
Standard home policies exclude flood, and NFIP coverage takes 30 days to start. On the Shore and along the Passaic, that waiting period decides whether a storm is a claim or a catastrophe.
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Money tipsBundling in NJ: when it saves and when it does not
Auto plus home plus umbrella is the classic money-saver, but bundles are not automatically cheaper. Here is how we actually compare them for clients.
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Money tips5 renters insurance myths that cost NJ tenants real money
It is one of the cheapest policies we sell, and one of the most misunderstood. The myths we correct most often in the office.
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GuidesNew to the US? Getting insured without an SSN or credit history
No Social Security number and no US credit file does not mean no insurance. How newcomers actually get covered, and what to expect on price.
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GuidesThe NJ winter home checklist: pipes, ice dams and claims
Frozen pipes and ice dams generate more NJ home claims than almost anything else each winter. The checklist we run before the first freeze.
Read articleReading is good. A real quote is better.
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