Dirus & Sons

2100 Corlies Ave, Unit 4
Neptune City, NJ 07753

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Flood Insurance Myths To Avoid

Dirus & Sons is an independent insurance agency. We offer insurance coverage to the Neptune, NJ community. For over 30 years, we have helped our clients find custom policies designed to protect their interests. We want to make sure that you are protected when tough times arise.

Flood Insurance Myths To Avoid

Severe flooding is a common issue that impacts thousands of people across the United States every year. Even if you stay in a relatively low-risk area of Neptune, NJ, there is still a chance that your property could be damaged if severe weather runs through the area. Flood insurance protects your property and personal belongings if they suffer flood damage. If there is extensive flood damage to your property, alternative living coverage assists you as you find another place to stay while your home is repaired. As you research flood insurance, try to avoid some of the misinformation that is spreading around.

Flood Insurance Only Benefits Homeowners

Flood insurance is available to you if you are staying in a rental property. If you own a business, you can add flood insurance to your commercial property as well.

You Are Ineligible For Coverage Because Of A Previous Flood

This is incorrect. You are still eligible to obtain flood insurance as long as you are staying in a community that is covered through the National Flood Insurance Program.

You Should Wait Until a Storm Is Approaching To Find Coverage

This is incorrect, as flood insurance policies have a 30-day grace period before coverage starts. If you wait until a week before severe weather is expected to move into the area, you will not be protected if your personal items are damaged. To ensure that you are covered when you need it most, look for coverage during relatively dry periods without the threat of a natural disaster.

Dirus & Sons Will Help You Find Coverage

Visit our website to learn more information about flood insurance.  

An In-Depth Look At Variable Life Insurance

Dirus & Sons proudly provides insurance coverage to Neptune, NJ residents. We prioritize getting to know our clients to help them find a policy that aligns with their needs. We strive to make sure that our clients receive friendly customer service. We are proud to serve the community as an independent insurance agency and look forward to establishing a long-lasting relationship with you. 

Variable Life Insurance Overview

Discussing life insurance is often an uncomfortable topic for many people. However, life insurance can help make sure that your legacy lives on through your loved ones. Life insurance can help your loved ones finalize your estate as they cope with your passing. Whole life coverage ensures that you will be protected throughout your entire lifetime. Term life policies provide coverage during a specified time frame. Generally, the coverage lasts between 20 and 25 years. Variables life insurance is another option to consider.

Variable life insurance policies are unique because they include a significant financial reward based on the current market conditions. You can use the assets in your variable life insurance policy to help your children attend college. Perhaps you own a local Neptune, NJ business. You can use your life insurance policy to help your loved ones continue to operate your business after you have passed away.

Variable life insurance policies are flexible, as you have control over the growth of the policy. If you can successfully manage the risks, you can leave a substantial benefit behind for your loved ones as they cope with your passing.

Dirus & Sons Will Help You Find The Right Policy

Visit our website to learn more information about life insurance.

4 Reasons Why You Need To Invest In Commercial Insurance

Running a business comes with numerous benefits. From sharing profits, flexibility, and bringing a sense of fulfillment, owning a business is a dream come true for many people. However, business ownership comes with many risks. As a result, you need commercial insurance to protect your business from liabilities and other threats like theft, fire, vandalism, and many more.

If you own a business in Neptune, NJ, you need to purchase business insurance from Dirus & Sons for the below reasons. 

Liability protection

Suppose someone sustains injuries on your business premises? Or perhaps, you are accused of advertising injury? In such unfortunate occurrences, your business could be facing substantial medical and legal liabilities. Without liability coverage add-on on your commercial insurance, your business could suffer massive financial losses.

Compliance with the law

The New Jersey law requires businesses to carry the following mandatory commercial insurance coverages:

  • Commercial auto insurance: It’s required for all vehicles running business operations. This coverage protects the car and the driver following an accident.
  • Workers’ comp insurance: As long as you have employed someone in your business, New Jersey requires you to purchase workers’ comp insurance to pay for employees’ medical costs for work-related injuries.

Physical assets protection

Whether rented or owned, commercial property coverage protects your business structure from perils like theft, fire, windstorms, hail, lightning, and so forth. Additionally, commercial insurance covers inventory, computers, and other equipment when destroyed by a covered peril.

Protects employees

Which is your most valuable business asset? It must be the employees. Your business could possess properties, intangible assets, networks, and so forth, but without employees, all these would amount to nothing. That said, businesses should purchase workers’ comp insurance to cover employees in the following ways:

  • Covering work-related injuries
  • Compensating partial loss of income
  • Paying for funeral expenses

Do you need to protect your Neptune, NJ business with commercial insurance? Contact Dirus & Sons today for a reliable quote.

Auto Insurance for New Jersey Drivers

Did you purchase a new car? Have you recently moved to New Jersey? Not sure if you’re getting all the benefits from your current auto insurance plan? If you answered “yes” to any of these questions, call or stop by Dirus & Sons in Neptune, NJ today! The friendly and knowledgeable agents at Dirus & Sons will happily help you choose an auto insurance plan that meets your unique needs. Please keep reading for a few reasons why New Jersey residents need auto insurance and why Dirus & Sons is the perfect place to purchase it!

In New Jersey, auto insurance is required by law. All New Jersey drivers must possess a minimum of three types of insurance: liability insurance, personal injury protection (PIP), and uninsured motorist coverage. Also, you must carry proof of insurance at all times. But don’t let this scare you! The agents at Dirus & Sons have the knowledge and expertise to help you choose an insurance policy that complies with state requirements AND meets your needs.

For those seeking additional protection, comprehensive auto insurance policies are available. It’s also possible to extend coverage on some state-mandated insurance policies. Whether you’re native to New Jersey or just moved to the Garden State, it’s always a good idea to review your auto insurance plan to ensure you’re reaping all the benefits.

Navigating insurance policies can be tricky. But with the help of the agents at Dirus & Sons, you can rest assured you’ll find the perfect policy that exceeds your standards and is compliant with state requirements. So, what are you waiting for? Call, click, or stop by the office of Dirus & Sons in Neptune, NJ, today to get started!

Should I get home insurance in Neptune?

Those who live in the Neptune, NJ area will find that the community offers many amenities that can make it a great place to live. When you are thinking of moving here, buying a property could be an ideal housing option. If you are going to move here and buy a home, you need to get proper insurance. There are a few reasons why getting home insurance is important and necessary.

Insurance Protects Assets

A key reason you will need to have a home insurance plan in this area is to help protect assets that you own. Your home is a major investment that you will want to pay off in the future. Further, you will have many personal items stored inside your property. If you get a full home insurance plan, you can receive the protection you need for these assets. 

Insurance is a Requirement

You will also want to get a home insurance plan as it could be a requirement for you. Anyone that would like to buy a home will likely take out a mortgage. If this is the situation for you, you must follow all rules set by the lender. Most of the time, the lender will require that you have insurance and escrow for your payments each month. 

Those that buy a home in the Neptune, NJ area should get a home insurance plan. As you are looking for a new insurance plan here, you should call Dirus & Sons. The insurance professionals with Dirus & Sons can give the guidance you need to choose a quality policy. Our team can do this by answering your questions and giving support while you build a new plan. 

Should I obtain boat insurance in New Jersey?

In the Neptune, NJ area, residents are going to have access to plenty of local amenities. The proximity to local rivers, lakes, and other waterways can make it a great place to live if you enjoy being out on the water. Those that are here should think about getting their own boat in these situations. There are a few different reasons that people here should invest in a full boat insurance policy. 

Insurance Protects Boat

A reason that many people here should get boat insurance is that it can protect your boat. With a boat, you will have made a big investment that you need to protect as well as possible. If you get a boat insurance plan, it will give coverage to repair or replace your boat. This can include giving protection if your boat is stolen, damaged in an accident, or you incur another type of loss.

Insurance Gives Liability Protection

It would be best if you also considered getting boat insurance to take advantage of the liability protection. A boat owner will be taking on liability risk regularly. If you make a mistake that results in an accident, you will have to pay for the damages. In some cases, the damages can be significant, making the boat insurance policy a good investment as it will offset this risk through the liability protection you will receive. 

As you are looking for coverage for your boat in the Neptune, NJ area, you should call the team at Dirus & Sons. Picking insurance for your boat is vital, and Dirus & Sons can make it easier for you. When you call our team, we will carefully assess your situation and explain your options. Based on this, you will have an easier time picking the right policy to meet your needs. 

Do You Need Flood Insurance in New Jersey?

Residents of New Jersey experienced major flooding from a hurricane a few years ago, and at any time, a flash flood can occur. The agents at Dirus & Sons in Neptune, NJ understand the importance of having a flood insurance policy in place, just in case you need it.

Flood Insurance Requirements in New Jersey

Flood insurance is not required under New Jersey law, but your mortgage lender may require it. Even if you are not required to have a flood insurance policy in place, it is a good idea to have one since most homeowner’s insurance policies do not automatically include flooding as a coverage option.

Flood Insurance Policy Coverages

You can obtain a flood insurance policy whether you live in a flood plain or not, and you can obtain a policy through your insurance agent in conjunction with the National Flood Insurance Program (NFIP). This program will provide up to $250,000 for your home and up to $100,000 for your personal property that is inside your home. For example, if your home is a total loss due to flooding, you will have enough money to relocate to a different house or rebuild your home and replace all of the contents inside your house before the flooding occurred.

Not Covered By Flood Insurance

If you have precious metals, expensive jewelry, stocks, bonds, and even cash in your home, a flood insurance policy will not cover those. You can keep those at another location in case a flood occurs for safekeeping. Many outdoor items, such as trees, landscaping items, walkways, and even decks and swimming pools, are not covered by flood insurance.

Contact an Experienced Agent

To create the best flood insurance policy for you and your home, contact the agents Dirus & Sons in Neptune, NJ by calling or emailing for an appointment today!

3 Benefits of Term Life Insurance

Residents who live in Neptune, NJ can call the agents of Dirus & Sons if they want to learn more about term life insurance. Term life offers benefits that whole life does not. This type of coverage is more simple in nature and can provide the right amount of coverage without breaking your budget.

Cheaper Premiums

Term life offers a specific amount of coverage. The amount of coverage determines premiums and how many years the term is set for. This means that the premiums may be considerably less than a whole life policy with a considerably higher payout. Cheaper premiums make term life a great choice for individuals who are only looking to cover their final expenses.

Set Term

Unlike whole life, term life is set up to be paid up to maturity within a specific amount of time, normally 10, 15, or 20 years. With a term life policy, you always know how many more payments you have before your policy is fully paid for. A set term makes it easy to plan your budget and prepare for your future.


Term life policies also build equity. This means that once a certain percentage has been reached, you may be able to borrow against it. Borrowing against equity is a nice perk and makes a great windfall in an emergency.

At Dirus & Sons, Neptune, NJ residents can rely on the agents to provide sound advice for term life insurance. They have the answers you need to purchase the perfect policy for your needs. Call today and talk to one of their reputable agents to get the answers you are looking for.

5 Crucial Terms to Know with Commercial Insurance

Commercial insurance can be intimidating if you aren’t already well-informed about it. There are tricky terms that are used by agents and in articles that you may read. Read on to learn about some of these before you make an appointment with Dirus & Sons of the Neptune, NJ area. 

Specified Perils

Specified perils are the list of each peril (risk) that you’ll be insured against. It can include vandalism, fire, and explosion, among other things. You can request either basic specified perils or broadly specified perils that add more to this list. Conversely, open perils is the designation given to include all losses besides any that have specifically been excluded. 

Actual Cash Value

This is the Fair Market Value of an item. In other words, it’s the amount that a buyer with adequate knowledge would be willing to pay and what a seller with comparable knowledge would accept for the item.

Agreed Value

This amount has been agreed upon by the insured person and the insurance company to be paid if there is a loss. This is commonly used for property insurance for antiques, valuable artwork, and the like. An appraisal by a professional typically must happen first.

Aggregate Limit

This is the maximum amount of coverage in dollars that’s allowed for a liability or property damage policy. It can be determined as a total for the policy term or on a per-occurrence basis.


The deductible is something you’ll see with any type of insurance. It’s the amount that the insured individual has to pay before they are able to receive benefits from the policy.

Regardless of how much you currently know about commercial insurance, it’s in your best interest to locate a reliable, independent agent with the experience to assist you and make you feel more at ease. That’s where Dirus & Sons of the greater Neptune, NJ area steps in. Contact us to find out more.

Auto Insurance Coverage Options

Auto insurance is vital to have, and in the state of New Jersey, you are required to at least have liability auto insurance. This type of policy will cover others who are injured in an accident that is deemed to be your fault. It will also cover any property damage you cover up to a certain amount depending on the details of your policy. While liability insurance is required, there are many other options available that you may be interested in obtaining.

Uninsured or Underinsured Motorist Coverage

This type of insurance will pay for any injuries you or your passengers sustain and damages to your vehicle if you are involved in an accident if with a motorist who does not have any insurance coverage at all or a lesser amount of insurance than needed to cover your injuries and property damage.

Collision Insurance

This type of auto insurance will cover damages to your vehicle and any others involved in an accident deemed to be your fault. It will also cover an object that you strike and damage with your vehicle. For example, if you hit a building, this part of your policy will cover damages to your vehicle and the building.

Comprehensive Coverage

Comprehensive coverage will pay for any damage to your auto if it is damaged or destroyed by a fire, theft, vandalism, or a natural disaster, such as a tornado or hail storm.

To determine the best auto insurance coverage for you and your situation, enlist the assistance of an experienced auto insurance agent like the ones at Dirus & Sons in Neptune, NJ. We have the experience and knowledge to create the best policy for you, so call for an appointment today!

Partner Carriers

  • Aetna
  • Ameritas
  • Bankers Fidelity
  • Bristol West
  • BTIS
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  • FTP
  • Humana
  • Mercury
  • Morstan
  • Penn Mutual
  • Plymouth Rock
  • Progressive
  • Savoy
  • Strand
  • Tokio Marine