Insurance agent reviews policies with a client

Blue Lion Insurance Advisors, LLC has provided excellent service to individuals seeking appropriate, affordable insurance in Red Bank, New Jersey, and throughout Monmouth County for several years. Our mission is to help our clients protect themselves, their families, their property, and their possessions from unforeseen difficulties, such as natural disasters, accidents, theft, and vandalism. Unfortunately, no one is immune to such calamities so we must all be prepared.

Our team has comprehensive knowledge of Personal Insurance Policies available in New Jersey. After carefully evaluating your particular circumstances, we can assist you in putting together the insurance package that will work best for you and your loved ones. Moreover, we will help make sure that you’re obtaining coverage at the best possible price.

Types of Personal Insurance We Offer

Most people are unaware of the wide variety of insurance policies available, some of them which may fit your needs perfectly. Some, of course, will be designed for customers with entirely different needs than those of you and your family. Below is a list of many of the insurance policies we can provide with a brief description of each:

Homeowners Insurance

For most people, their home is the biggest investment of their lives. Homeowners Insurance protects your house from structural damage due to weather or vandalism and protects your possessions (furniture, jewelry, artwork, equipment, antiques,) as well. In addition, it pays your living expenses if your home becomes uninhabitable during a period of necessary repair.

Homeowners Insurance also covers lawsuits in which you are sued for injuries incurred on your property due to negligence (premises liability). Some individuals who are lucky enough to have a second home or a vacation dwelling; it is, of course, necessary to protect that financial and emotional investment with an insurance policy as well.

Renter’s Insurance

Even though you don’t own your rental unit, it is your home, providing a roof over your head and holding furnishings and belongings essential to your comfort and safety. Because the owner of the property is not liable for the contents of your apartment, it is essential to have Renter’s Insurance to cover the cost of repairing or replacing everything of value in your apartment. As with any other type of home, your apartment may be damaged by fire, smoke, severe weather (e.g. lightning), and vandalism, or you may lose significant items to theft. It is also possible that someone will be injured in your rental unit or will suffer damage to a possession. In this event, you will need liability coverage — which Renter’s Insurance can also provide.

Flood Insurance

Neither homeowners nor Renter’s Insurance cover flood damage so it is important to invest in Flood Insurance whether you live in a flood zone or not. As a matter of fact, 20 to 25 percent of flood damage claims occur outside of high-risk flood zones. While landlords or other tenants may be at fault for your water damage in an apartment, your rental contract is likely to protect your landlord or management company from liability. For this reason, you must have your own flood damage in case a pipe bursts or you have weather-related water damage.

Automobile Insurance

Liability and Personal Injury Protection (PIP) are both required in NJ; they respectively cover vehicle damage if you’re at fault in an accident, and medical costs of injured parties, regardless of fault. Since the dollar amount on the required policy is rarely sufficient to cover extensive medical costs, it is wise to have supplemental coverage. Collision Coverage provides money to help repair your car whether it’s damaged in an accident, hit by an object or animal, stolen or broken into, or vandalized.

Personal Umbrella Insurance

You may not be aware that a single personal injury lawsuit can go through your savings, assets, and retirement account in one fell swoop. The plaintiff may sue you for negligence resulting from a vehicular accident for which you were at fault. He or she may also sue you for premises liability, meaning that you were negligent in maintaining your property or restraining your pet, thereby causing serious injury. In either case, you may find yourself facing settlement costs of millions of dollars.

In such a situation, it is smart to have a Personal Umbrella Policy that can pay costs over and above those paid for by your Homeowner’s and Automobile Insurance policies. An Umbrella Policy can help to provide you with solid protection in the event of such a lawsuit and provide you with peace of mind in the meantime.

Personal Insurance for High-Net-Worth Clients

At Blue Lion Insurance Advisors, LLC we know that some of our clients have more complex risks and require broader protection because they have an unusually high net worth. With these clients, we discuss the need for enough insurance to cover their luxury homes, homes that have amenities typical homes lack (e.g. large swimming pools, tennis courts, spas, guest houses, stables, orchards).

We also take careful inventory of their multiple properties, special vehicles, like classic cars, sports cars, and vintage cars that, unlike our everyday vehicles, increase in value as they age. Our high-net-worth clients may also have valuable boats, such as yachts, that have to be adequately insured, as well as famous paintings or sculptures, precious first-editions, memorabilia, and other priceless collectibles. Whatever your lifestyle, the goal is to have enough insurance to replicate it after an unexpected loss.

Life Insurance

Life Insurance is an investment in the future of your loved ones if you should pass away. There are many kinds of Life Insurance Policies and Blue Lion Insurance Advisors, LLC will help you decide which type is best for you and your family. As too many families have learned too late, whether you have a moderate income, a high earner, or the major childcare provider in your family, your death may be catastrophic financially for those you care most about.

It is important to consider all variables when purchasing Life Insurance and Blue Lion Insurance Advisors, LLC experts have the ability to do just that. We will also make certain that you remember to update your policy to include significant changes to your lifestyle, such as a new baby, an ailing older relative, or necessary home repairs.

Other Insurance Policies

Blue Lion Insurance Advisors, LLC offers many other insurance policies that may save you a great deal of money and/or alleviate stress for you and your loved ones, including Wedding Insurance and Pet Insurance. Not surprisingly, Blue Lion Insurance Advisors, LLC offers most insurance coverages available. More than that, our staff can provide you with the savvy, personalized service and cost-effective insurance you deserve.

Personal Insurance:

Life And Retirement Planning Solutions:

  • Term Life Insurance
  • Whole Life Insurance
  • Key Person
  • Buy/Sell
  • 2nd To Die
  • Estate Planning Solutions
  • Individual Disability Plans
  • Long-Term Care Solutions
  • Insurance Based Retirement Plans (Ibrp’s)
  • Group 401k Plans
  • Individual 401k Rollovers
  • Medicare Supplement Insurance

Contact Our Monmouth County Personal Insurance Brokers

When it comes to insurance it never pays to procrastinate. Don’t wait until it’s too late to make sure you have a supportive strategic insurance advisor. The talented team at Blue Lion Insurance Advisors, LLC is ready to discuss your unique situation and understand your priorities. We will help find you the right insurance policy that meets your needs. Our goal is to provide you and your family with a durable safety net and a sense of confidence in your ability to cope with whatever the future brings.

The next step is easy!

Call us today at (732) 649-1600 to learn how our business insurance advisors could get you the right Excess Liability Insurance coverage at the right price, and superior service. You can also Request A FREE Insurance Quote on our site or Contact an advisor for more information.