Dirus & Sons

2100 Corlies Ave, Unit 4
Neptune City, NJ 07753

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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.

Equity

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.

Deductible

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
  • Cabrillo Coastal
  • Delta Dental
  • Foremost
  • FTP
  • Humana
  • Mercury
  • Morstan
  • Penn Mutual
  • Plymouth Rock
  • Progressive
  • Savoy
  • Strand
  • Tokio Marine
  • UPCIC