New Jersey Condo insurance H06

New Jersey, Condo insurance , sometimes called ho6 insurance, help owners of condos through various coverages.  Stratum Insurance Agency LLC has been able to help condo owners with insurance in most states and has recently added New Jersey to the list.

What is New Jersey condo insurance (ho6 insurance)?

Condominium Insurance, commonly referred to as ”walls in coverage” is intended to protect condo unit owners from many possible losses that occur.  Generally speaking, an attached condo is covered by a master association policy for certain potential claims, but there are many risks that are not covered, such as damage to your personal property, such as your furnishings, cameras, clothes, and computers.  Your interior upgrades, such cabinetry, flooring, and other enhancements are also at risk.
Do you think that the liability claims are not a risk for condo owners? Think about these sample claims:

• a common slip/fall type of claim
• a fire from your unit damages the unit adjacent to yours
• your washing machine overflows and leaks into another unit.
• your dog gets loose and bites someone

A partial list of available coverages for owned-occupied condos:       

• Coverage for additions and alterations- to protect the interior of your condo unit (not on all policies, but highly recommended)
• Personal Property Coverage - to protect your personal belongings and other items that may not be crucial to the reconstruction of your condo
• Loss of Use Coverage
• Personal Liability - to protect against claims of bodily injury and property damage
• Medical Payments

There are many more options, including some for landlords.

Learn more about some of the coverages available here: http://www.stratumins.com/condos/

Why buy New Jersey condo insurance?

The answer is simple — because a master or homeowners association policy usually does not provide coverage for your personal belongings (referred to as personal property), your liability, or even your upgrades to your unit. There are often many upgrades in a unit, so consider potential claims for damage to your flooring, cabinets, countertops, and more.
For whom is condo unit owners insurance designed?
If you live in one of the following, then you want to consider condo unit owners insurance:

• Condominium Association
• Townhome Association
• Rowhouse Association
• Homeowners Association (attached homes)
• Planned Community  – Some Planned Unit Developments (PUD)
• Other types of residences where the exterior is coverage by a Master Association Policy or similar policy.

Learn more on the Stratum Insurance Agency Condo site here. The agency is able to quote insurance in over 40 states, including both owner-occupied condos, rental units, seasonal condo insurance, and more. Ask about discounts for combining your condo insurance with your auto insurance – we can help bundle it..  Umbrella policies are also available in most locations.

Request a quote:

• Online: http://www.stratumins.com/condos/
• Information for New Jersey Condo Landlords
• By Phone: 949-270-0609

** In New Jersey, certain areas, such as those with heavy wind or coastal exposure may not be eligible for a quote

Christmas Tree Lot Insurance 2013

Christmas Tree Lot Insurance is here just in time for the holidays. Are you getting ready to open your holiday tree lot?

Stratum Insurance Agency, LLC can help clients in need of Christmas Tree Lot insurance around the country with same day quotes in most states.

Review several of the available options:

• General Liability Insurance (with option to name as additional insured, your landlord ).
• Inland Marine Coverage – protection for tents, fences and even the trees. Non-owned and hired autos coverages. This valuable coverage is often overlooked. Ask us for more information.

Wondering what could happen?  Why should you buy insurance?   Think about these claims.

• A basic slip and fall claim can cost thousands of dollars in medical and other expenses
• A tree could accidentally fall on someone
• Someone could get poked in the eye just by walking buy a tree.
• Kids playing could get accidentally injured

Certificates of insurance can often be issued in the same day can be send directly to your landlord by fax or email at your request.

Contact Stratum Insurance Agency for your Christmas Tree Lot insurance  quote today!

ONLINE:

• Christmas Tree Lot Insurance - http://www.christmastreelotinsurance.com

BY PHONE: 949-270-0609 (for insurance in over 40 states)


We can also help with light hanger insurance, and home decorators for both the holidays and annual.
* Not all products marketed in all states. Coverage options may vary by location. Stratum Insurance Agency, LLC is an independent insurance agency and/or broker (varies by location). No insurance is offered or afforded through this posting.

Insurance for Hot Industries

Are you in a new industry and having trouble finding insurance?

Have you been having trouble finding the right insurance for your business, do to changes in contracts or just the market in general?

We can help with these types of situations.  To help you more easily locate some of these industries we have add the "Hot Industries" section to our site.

Click here to learn more about insurance for these industries.


If you are a looking for a longer list of insurance types and industries that we can quote, click here.

Traffic and Parking Consultant Insurance

Traffic Consultant Insurance, Parking Consultant Insurance

We have added another business to our errors and omissions / professional liability quote request.  We can now quote insurance for consultants for Traffic and Parking with our easy to use quote request page.  Stratum Insurance Agency’s passion for professional liability insurance leads us to add new
 
Quotes are available in 49 states and most are ready within 24 hours.  Limits of liability range from $100,000 to $5,000,000.

Samples Professional Liability Insurance Claims for Traffic Consultants and Parking Consultants- why could you be sued:

• A parking lot needs to be redesigned as a result of your estimation of the amount of traffic
• A builder gets sued for increasing traffic and they sue because you advised on the traffic flow
• A shopping center paid you to consult on the parking, but they saw a huge increase in business and blame you for not accounting for this.  They try to sue you to pay for a new parking structure.
• And many more reasons – talk to us about potential claims.

 
Remember, even if the claim turns out to be frivolous, the cost of research and legal defense can put someone out of business.

Of course, if you are trying to work with a city, municipal entity, or a builder, you maybe be required to carry this insurance by contract.  Please include a copy of the contract wording with your quote request.  We can help with limits of professional liability as low as $100,000 and up to $10,000,000.
 
Other types of insurance with which Stratum Insurance Agency LLC can help:

• Workers Comp Insurance
• General Liability for Funeral Homes
• Employment Practices Liability – even if you use only volunteers, you should consider this.  Consider 3rd party coverage, in case you are sued for offending someone.
• Data Breach coverage
• Crime Insurance – Employee Theft

 How to request a quote:

• Request a quote online for Traffic Consultant and Parking Consultant Errors and Omissions Insurance
• General Liability for Traffic Consultants and Parking Consultants is also available.
• By Phone: 949-270-0609