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Salem County Insurance Agency

A Salem County Insurance Agency The Salem Oak Agency located in the heart of Salem County is proud to serve residents of not only Salem County but all of New Jersey and Maryland. As a Salem County Insurance Agency we can provide solutions to all your Property and Casualty needs. We carry products for your […]

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Are your Holiday Gifts Covered

Are your holiday gifts covered? My house is filled with expensive gifts waiting to be opened. If my home is burglarized, damaged or destroyed, are all these gifts covered under my homeowners policy? Not necessarily. There may be limitations on the amount of insurance provided by your homeowners policy, especially for expensive gifts such as […]

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Planning for the interruption of business operations due to a catastrophe

Business Insurance NJ Planning for the interruption of business due to catastrophe What is business interruption insurance? As we all witnessed on Sept. 11, 2001, catastrophes can happen suddenly. When the property of a business is destroyed, or access to business property is denied, there follow two potential consequences. One, business operations cannot resume, in […]

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Replacement Cost Coverage

Replacement-cost coverage: a wise investment I just bought a home and would like to insure it against damage or destruction. How can I be sure I will be financially able to repair or rebuild in the event of a catastrophe, such as a fire? Insurers generally recommend you insure your home for its full replacement […]

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How are Insurance Rates Determined?

How are insurance rates set? How does insurance work? People buy insurance coverage to protect themselves from potential future loss. In exchange for payment of a known fee—the insurance premium—the policyholder is able to transfer his or her potential risk to an insurance company, which agrees to pay in the event of such a loss. […]

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Winter Driving Tips

Winter driving tips Is your vehicle ready for winter driving? Proper maintenance for your automobile is always important, but this especially is true during the winter. Check your coolant. Make sure the coolant level is correct and that it is mixed according to the manufacturer’s specifications. Use a lighter weight engine oil, like 10W40 for […]

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