insurance | NJ

Home Maintenance Can Help You Protect Your Home

Regular home maintenance can go a long way to keeping your house safe and secure. By making sure you’re taking care of certain chores, you’re preventing possible damage and disaster. Being proactive is always your best defense when it comes to possible dangers and accidents that can ruin your home and leave you with a hefty repair bill.

Your Climate Control

As far as maintenance goes, your home’s climate control system can be something that gets neglected easily. But it’s one of the most important things to stay on top of. A problem with your climate control can lead to major issues. From flooding caused by a frozen pipe while you’re away to an electrical malfunction with your air conditioner causing a fire, you should be sure to stay on top of your climate control system all year.

Gutters

Your gutters are another neglected part of your home that can lead to major problems. Your gutters divert water away from your home when it rains. If your gutters are clogged, you may wind up with water build up. This can lead to overflowing gutters that can damage siding, roofing, and eventually structural problems. Regularly cleaning your gutters and replacing broken gutters or downspouts will help prevent this.

Trees

If you live in an area with a lot of trees, you need to be taking care of them. Trimming branches and removing dead trees is the only way to prevent them from falling on your home. Some trimming and tree removal may be easy to do, but for the most part, you should have a professional check out your trees and do the work. It’s important you keep an eye out, though.

General Care

By keeping up with your house, you also make it less appealing to burglars. When your house falls into disrepair, it looks like there’s no one living there. This can lead to your home becoming the target of thieves. Simple things like shoveling walkways, raking leaves, collecting trash and refuse, and keeping things organized can keep your home looking occupied at all times.

Insurance

If you’re looking to further protect your home, the right insurance plan can help. Contact our team at ABCO to discuss an insurance plan that fits you!

Home safety tips | homeowner's insurance | New Jersey

Things to Know About Your Home Heating System

When it comes to a comfortable home during the winter months, heat is high on the list of desired amenities. But heating systems can become a serious problem if they’re not maintained correctly. Make sure you’re not only getting the most out of your heating system but keeping your home and family safe with these tips from ABCO.

Fire

Fire is one of the most obvious dangers of a problematic heating system. Yearly maintenance is the first thing to do to help prevent fire hazards with your heating system.  Make sure your heating system is maintained by someone who knows what they’re doing. Getting your heating system in order should be something you do at the start of every winter season, if not before. The same goes for fireplaces and chimneys; have these inspected every year.

Gas leaks can lead to dangerous situations both from inhalation and from the potential of this flammable gas causing an explosion or fire. Natural gas is colorless and odorless, but the gas company adds a chemical that makes it smell like sulfur or rotten eggs. If you notice this smell, call your gas company or 911 and leave the house immediately.

If you use portable heaters or space heaters, be careful not to leave them running while you’re not there. And make sure not to leave heaters like this on overnight.

Carbon Monoxide

You’ll also want to be mindful of carbon monoxide. Carbon monoxide is often referred to as the silent killer and any type of combustion process can produce this colorless, odorless gas. Regular maintenance for your heating systems and a carbon monoxide detector can help keep your family safe.

Water Damage

You may not think about your heating system causing water damage, but if your home is heated by hot water, broken pipes can leak and cause major damage. And damaged or missing radiator valves can cause steam to leak out, which can cause severe burns. You’ll want to make sure you drain your boiler periodically to help prevent leaks from acidity and water impurities.

Further Protection

Regular maintenance and some common sense can go a long way to keep your home’s heating system operating safely. But there’s always the chance for something to go wrong. You can further protect your home and possessions with an insurance plan. You never know when disaster may strike, but with a homeowner’s insurance plan from ABCO, you can rest assured that you’ll be covered. Contact us today to find a plan that suits your needs!

 

Got Car Insurance?

Practical Insurance: Make Sure You’re Appropriately Insured

Insurance is a necessity. No doubt about that. But practical insurance does not mean that you need to or should insure every item in your home, or purchase insurance plans that are not relevant to you. You need to find insurance plans that work for you, your budget, your line of work, and more. Here is a quick guide to help you figure out what insurance items are necessary, practical, or not needed.

For Everyone

The first thing to note is that some insurance plans are necessary or, at least, should be considered by most people. One form of necessary insurance is car insurance. If you own a car, you are legally obligated to insure the car in order to be road legal. You can be fined for driving an uninsured vehicle and in the event of an accident, you’ll have to pay out of pocket. One form of insurance that almost everyone should consider is life insurance. You’re not too young to look into life insurance plans. These plans help you prepare for the future and ensure your family is always taken care of.

Your Specific, Individual Needs

Next, you’ll want to figure out what type of insurance is right for you. If you own a home, you’ll want a homeowner’s insurance plan. If you run a business, you may want to invest in different plans that relate to your work. You may need to insure a specific, expensive item in your home that’s separate from your homeowner’s plan. Flood insurance may be a good idea if you live in an area prone to flooding. It is really important to understand your risks and research what insurance plans may fit your needs best. You need to have a good idea of what you want to insure and what you can afford to insure.

Finding Your Plan

Once you understand what your needs are and have a general idea of what you want to insure, the best way to make sure you’re getting an appropriate insurance plan is by talking to experts. When you talk to insurance professionals, like those at ABCO Insurance Agency, you can be sure you’re getting the right coverage. We can help you find plans that cover you and fit your specific needs, because not everyone will have the same needs.

If you’re in need of insurance, or considering a new plan, ABCO can help. Contact our team today!

Fireworks

New Insurance for a New Year

A new year means new challenges, new triumphs, and a fresh slate. With luck, you’ll grow this year, meet the goals you’ve set for yourself, and achieve the things you’re hoping to achieve. That means that as the year goes on, hopefully, your life will have changed for the better. With change, comes uncertainty, though. And as you change, so do your insurance needs. Make sure you’re combatting the uncertainty of a new year and that your insurance plan fits you and your achievements this year.

Uncertainty

As we move forward in our lives, we often change. With each new year, we’re faced with a brand-new set of obstacles and uncertainties. But those uncertainties don’t have to weigh heavily on us. The right insurance plan can help you balance the unknown with the assuredness that your possessions and future are secure from even the most unexpected events. An insurance plan that covers your valuables, your home, your vehicle, and your life may help you go into the new year confident and ready to face whatever comes your way.

Changing Circumstances

But with a new year also comes a new set of circumstances that may affect your insurance plan. Those circumstances may include a new home, a new child, a new car, a new job, or a number of other things that may change the definition of the “right insurance plan” for you. So, how do you navigate these changes and make sure you’re insured accordingly?

ABCO Insurance Agency Inc. can help you find a plan that fits you, your family, your possessions, and your needs. Insurance isn’t a cookie-cutter, ones-size-fits-all product. You need to find the right plan for you. That’s why a trusted agency can help you. Especially if you’re not very familiar with insurance products and what they may or may not cover. We’ll help you understand the plan you’re purchasing and make sure it fits you and your goals for 2019.

ABCO

So, if you want to go into this new year confident and ready to face what challenges may arise, contact our team today to discuss how we can help you find an insurance plan in-line with your needs and goals!

Snowy night

A Happy Holiday Home: Tips for Fire Safety During the Holidays

A happy holiday for most is one that includes family gathering together. Your house can truly become a home during this period when relatives come to visit and people you love spend time together in the house you love. The thing about togetherness is that it makes you feel safe and secure. When you’re with people you care about, you worry less and love more. But the holidays are also a time when there are more fire hazards in our homes. So, to add to this feeling of safety make sure your holiday is enjoyed without any mishaps by taking some added fire-safety precautions.

Holiday Fire Safety Tips

  • If you celebrate Christmas and you have a real tree in your house, make sure you’re doing everything you can to keep your tree alive. A dead tree can create an inferno if exposed to open flames or a spark from a faulty wire.
  • If you have children in your home, make sure lit candles are far out of reach and that electrical outlets are covered.
  • Make sure that your Christmas lights are not ragged, and wires are not exposed. It’s also a good idea to use surge protectors and not overload outlets.
  • Before preparing any large meals, make sure that your oven and stove are in proper working order.
  • Keep pets away from lit candles or fireplaces.
  • Always use gas, electric, or traditional fireplaces correctly and responsibly and be careful hanging stockings made of flammable materials on the mantle.

Having a happy holiday is synonymous with a safe holiday. You don’t want to put your family, friends, possessions, or yourself at risk by neglecting these simple suggestions. You can make sure your home is ready for the holidays, but don’t get so festive you lose sight of what matters most: the safety of your loved ones.

Protect Your Home

A happy holiday home is safe and secure, but it’s also insured. ABCO Insurance Agency can help you find the right plan to help you further protect your home from the worst. So, contact us today to find a homeowner’s insurance plan that would be right for you.

From all of our team here, we’d like to wish you and yours a very happy and safe holiday and a great New Year!

Fireplace

Protect Yourself this Holiday Season

The holiday season is a great time for caring, being with family, being appreciative, and giving. But it’s also a time for thieves to target you, accidents to happen, and for increased chances of fires. That’s why you need to protect your home, your belongings, and your car this holiday season. Here is our guide to making sure you have a safe holiday season.

Burglars

One of the major threats of the holiday season is from burglars. Your house is bound to be full of expensive gifts. There’s also the potential that your house may be empty as you visit family or take a vacation. Thieves may take advantage of this time of year to break into your home and rob you. So, it’s a good idea to make sure your home is secure when you leave. You should lock all doors and windows and close your curtains, so potential burglars cannot see inside. It’s also a good idea to arm your alarm systems, put your lights on timers, and let neighbors know you’re traveling. A good neighbor may pick up your mail for you and even shovel your driveway, so it looks like you’re at home.

Driving

With more people on the road and potential wintry weather, driving can be a dangerous business during the holiday season. It’s a good idea to make sure you drive safely and defensively. Leave plenty of space between you and the car in front of you. Slowdown in bad weather and put your lights on. Make sure your tires have good tread and your windshield wiper blades are in good shape.

Fire

The risk of fire is much higher during the holidays. More people cooking, more people using their fireplaces, more people lighting candles, cheap or old holiday decorations with lights: all of this puts your home at risk. So, make sure you’re taking care of your home. Throw away faulty lights, always be safe when cooking or using a fireplace. Keep your Christmas tree well-watered and away from your candles and fireplaces. Also, never leave candles unattended for any period of time or left lit overnight.

Protection

Another great way to protect yourself this holiday is with the right insurance plan from ABCO. A homeowner’s insurance plan can help you recover from burglaries and fire damage. And the right car insurance plan will help you recoup losses after an accident. Contact us today to make sure you’re protected this holiday season!

 

Cornucopia

Protect What You’re Thankful for and Appreciate More

Yesterday, most of us gathered around the dinner table and thought about what we’re thankful for. During this time of year, it’s a great thing to think about what you’ve accomplished, what you have, what you want to achieve, and what you’re hoping for. If you’re lucky enough to have been thankful for a wonderful home, a working car, and a family that loves you, that’s a great thing. If you’re hoping that next year (or some years down the line), you’ll be able to give thanks for one or all of those things, that’s great too. Sadly, worry creeps into the human mind far too easily and makes it hard to be grateful sometimes. One way to set aside some of that worry is with the right insurance.

How Insurance Helps

Worry is a common human emotion, but sometimes worry is unnecessary. When you take the right precautions and protect what you’re thankful for, you can set aside some of the doubt. For example, with the right home owner’s insurance, you can rest assured that your home is protected in the event of something unexpected. Maybe that unexpected issue is a strong wind taking shingles off your roof. Or maybe it’s fire damage from a candle left burning. Either way, the right insurance plan can help ease your mind and help you prepare for these incidents.

The same goes for your car. Your car is important to you. It makes sense that you would be thankful for your primary means of transportation. But it’s easy to worry about your car being hit or damaged. That worry can be set aside when your car is adequately insured. Your family is also going to be something you’ll worry about. A life insurance policy can help rest your mind about the possibility of your family having to provide in your absence.

The Right Plan

Insurance isn’t only about recouping finances after a disaster, accident, or act of nature. Insurance is about ease of mind. It helps you set aside the worry that makes life complicated. It’s there to help, not to hinder. Our team at ABCO understands that.

So, contact our team today to discuss the right plan for you!

A Roof Rake Can Help Prevent a Costly Homeowner's Insurance Claim

Prepare for Winter Now with These Tips

It’s definitely starting to get colder and that means that winter is quickly approaching. There is still some time before the long cold nights get really cold, though. While fall is sticking around, it’s a great time to start getting your home prepared for the mayhem that winter can bring. If you live in the Northeast, you’re likely used to harsh winters. That doesn’t mean you can predict everything that winter weather can throw at you though. Here are our tips for getting you home prepared for winter this year.

Trees and Branches

It’s always good to get ahead of bad weather. And winter can bring the worst weather there is. One great way to get ahead this year is to take a look around your property for branches and trees that may become problematic once ice and snow start falling. Trees are great at knocking out your power. And ice and snow are great at taking out trees. Sometimes, your power company may even take care of potential problem branches themselves. Either way, identify what needs to be taken down, and get rid of it.

Portable Generators

As trees come down and power lines fail, you’re left without electricity. Especially if you have electric heating in your home, this can be a major problem. If you don’t have a portable generator, now is a great time to look into buying one. Better to have it and not need it than need it and not have it.

Your Car

You’ll also want to make sure your car is ready for emergencies. You should always keep a shovel around your house for snow but having one in your car is a good idea too. You should also keep blankets and some kitty litter in your car. The blankets can help you keep warm in the event of a winter breakdown and the kitty litter is great for helping your tires find traction when stuck in the snow.

Insurance

The most important way to be prepared this winter is to make sure that both your home and your car are insured. The right insurance plan will make sure you have money for repairs, replacement, and possibly for a place to stay in the event of something major. So, make sure you have auto insurance and home owner’s insurance. If you don’t have a plan, ABCO Insurance Agency, Inc. can help. So, contact us today!

 

vandalism | insurance | NJ

Halloween and Mischief Night: Does Your Insurance Cover Vandalism

Halloween is a fun time of year. You have kids (and grown-ups) in costumes, candy and trick-or-treating, and all kinds of fall activities. But there is also the trickier side of trick-or-treating. Vandalism has been a part of Halloween for a very long time. People have been going door to door and looking for treats and threatening misfortune on specific days for hundreds of years. So, it’s not a new phenomenon to find people destroying property on Halloween or the day before Halloween, known as mischief night. But when vandalism becomes destructive, what are your options and are you insured?

Homeowner’s Insurance

Many insurers provide coverage for property destruction as a result of vandalism. This will vary and be dependent on the extent of the damage and your policy. But it is still a good idea to consider a homeowner’s insurance policy that includes vandalism coverage. Or it may be a good idea to ask your insurer if you’re covered.

When it comes to vandalism done to your home, there are harmless pranks that likely won’t need insurance coverage to mend. For example, toilet paper in the tree in your yard or eggs pelted at your front door may be easily remedied with a garden hose and a bit of careful toilet paper removal. But sometimes vandalism goes beyond harmless pranks and becomes destructive. You may find your lawn salted, destroyed, or dug up. You may find your door locks glued. People may do damage to your plumbing, leading to flooding. Windows and lights may be broken. Worst of all, a fire may be started, leading to damage to your home.

It’s a good idea to be prepared for such destructive behavior and have a comprehensive insurance plan that will help you recover and restore your home.

Vehicle Insurance

Your vehicle may also be damaged by vandals. Again, a few eggs on your windshield may be easily remedied, but more serious damage can be done to your car. Slashed tires and sugar in your gas tank can lead to some serious bills for repairs and replacements. Like your homeowner’s insurance, it’s good to know if your car insurance plan covers these potential situations.

ABCO

If you’re looking for a comprehensive insurance plan that will suit you, ABCO Insurance Agency Inc. can help. Contact us today to discuss your options!

ABCO can help with Flood Insurance

Found Your Dream House? Protect it with Homeowner’s Insurance

You’ve been working for years to save enough money to buy your dream house. Maybe it’s a large house with a huge backyard. Or maybe it’s a little place that makes you feel warm and safe. Or maybe it’s your childhood home and it brings back the best memories. No matter what kind of house it is, your dream house is something you care about. It’s yours and you need to protect it. Homeowner’s insurance will help protect your dream house and the things you keep there.

Your House

Imagine having the house of your dreams. A space you feel safe. A space you love. But there are dangers your dream house faces. From fires to floods, burglars to falling trees, your house is at risk. That’s why it’s important to protect your house with the right insurance plan. A good plan will not only protect you from the obvious, but also the unpredictable yet common accidents that you may encounter.

The Risk

If you’ve spent your life saving and dreaming and finally you get that dream, seeing it all vanish before your eyes would be heartbreaking, especially with no way to recover from such a heavy loss. Homeowner’s insurance ensures that the investment you make in the house of your dreams is protected. Homeowner’s insurance will provide money for repairs, money to help you find lodging if your house is not habitable, money to rebuild, money to replace your destroyed items. In other words, money to rebuild your life and your dreams.

The Right Protection

But how do you find the right plan for you? That’s where ABCO Insurance Agency Inc. comes in. We’ll talk to you about your home and your possessions. We’ll talk about your budget and what is covered. We’ll make sure you have a plan that fits you and your needs. That means your dream house, that individual, unique place you’ve loved, will have the right protections. You won’t have to worry and most importantly, you can enjoy your home and everything that happens there without fear.

Homeowner’s insurance is an absolute necessity. If you need homeowner’s insurance, contact our team today to discuss your options!