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Frequently asked questions
General
💬 Getting a Quote
📋 Policy Changes
💳 Billing & Payments
☂ Coverage Questions
📄 Claims
We offer several ways to get started. You can complete one of our online insurance questionnaires for a detailed review, use our quick online quoting tool for a basic estimate, or contact our office directly. Once we receive your information, our team will review your options and contact you with recommendations.
Unlike a captive insurance agent who represents a single insurance company, an independent insurance agency represents multiple carriers. This allows us to compare coverage options, pricing, and underwriting guidelines to help find the best fit for your needs.
Read: 5 Reasons to Buy Insurance From an Independent Insurance Agency
No. Bergen Insurance Group does not charge a fee for insurance quotes, policy reviews, or coverage consultations.
Whether you're shopping for new insurance, reviewing your current coverage, or looking for a second opinion, we're happy to discuss your options and provide recommendations at no cost or obligation.
In order to provide accurate insurance quotes and coverage recommendations, we often request a copy of your current declarations page or insurance policy information.
The easiest and most secure way to share this information is through Canopy Connect, which allows you to securely connect your insurance accounts and share policy information directly with our agency.
Using Canopy Connect helps reduce paperwork, improve accuracy, and identify potential coverage gaps.
Click here to securely share your insurance information through Canopy Connect.
Insurance ID cards are available through most insurance company websites and mobile apps. You may also contact our office and we will be happy to provide a copy of your current ID card.
For the fastest service, we recommend creating an online account with your insurance company and downloading their mobile app.
Helpful Resources
Should I File an Insurance Claim or Pay for the Damage Myself?
Should you file an insurance claim or pay for the damage yourself? It's one of the most common questions homeowners face after unexpected property damage. Learn how deductibles, repair costs, coverage considerations, and liability concerns can influence the decision, explore real-world claim examples, and discover important factors to consider before reporting a homeowners insurance claim.
Roof Age and Home Insurance: Why Insurance Companies Care More Than Ever
Many homeowners are surprised to learn that roof age has become one of the most important factors insurance companies consider when underwriting a home. Learn why insurers are paying closer attention to older roofs, explore real-world examples involving inspections, policy non-renewals, and home purchases, and discover how roof age and condition may affect homeowners insurance eligibility, pricing, and available coverage options throughout New Jersey.
Water Damage Explained: Flooding, Water Backup, Hydrostatic Pressure & Other Common Coverage Confusion
Water damage is one of the most common — and most misunderstood — homeowners insurance claims. Learn the difference between flood damage, water backup, sump pump failure, hydrostatic pressure seepage, hidden plumbing leaks, and other common water-related losses, while exploring real-world claim examples and understanding why the source of the water often determines whether insurance coverage applies.
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