Condo Insurance for Owners Renting Their Unit
Condo owners renting their unit to tenants may sometimes need different insurance coverage than owner-occupied condo owners. Learn how condo landlord insurance may help protect against tenant-related liability, water damage claims, loss of rental income, and shared-building exposure, along with why notifying your insurance company before renting out a condominium unit is so important.
4 min read
What Is Loss Assessment Coverage?
Loss Assessment Coverage may help protect condo owners when condominium associations assess unit owners for certain shared property losses, liability claims, or large master policy deductibles. Learn how Loss Assessment Coverage works, why condo owners may sometimes share financial responsibility for common-area claims, and how water damage, storm losses, or liability lawsuits in shared buildings may create unexpected assessment exposure for condominium owners.
4 min read
What Does Condo Insurance Cover?
Learn what condo insurance, also known as an HO-6 policy, may cover including personal belongings, interior unit features, liability exposure, water damage claims, renovations, and additional living expenses after covered losses. Discover how condo insurance works alongside condominium association master policies, why shared-building water damage claims may become complicated, and where potential coverage gaps may exist for condo owners.
5 min read
What Is Condo Insurance and Why Is It Important?
Condo insurance, also known as an HO-6 policy, helps protect condo owners from financial losses involving personal belongings, interior unit features, liability exposure, and additional living expenses after covered losses. Learn how condo insurance works, what condo association master policies may or may not cover, and why understanding potential coverage gaps is important for condo owners in shared buildings.
4 min read
Homeowners Insurance and Coverage for Jewelry Watches and Valuables Explained
Many homeowners assume their homeowners insurance policy fully protects valuable personal belongings such as engagement rings, luxury watches, jewelry, collectibles, and other high-value items. While homeowners insurance may provide some protection, many policies also contain important coverage limitations that homeowners may not realize until after a loss occurs. At Bergen Insurance Group, we help New Jersey homeowners better understand how insurance may apply to jewelry, wa
4 min read
What Is Recreational Vehicle Insurance and Why Can’t These Vehicles Simply Be Added to Auto Insurance?
Recreational vehicles such as golf carts, e-bikes, ATVs, side-by-sides, and dirt bikes may require different insurance coverage than standard auto insurance policies. Learn why many recreational vehicles may not qualify for traditional auto insurance, how off-road use and liability exposure may affect coverage, and why some recreational vehicles may require specialty insurance policies, endorsements, or additional liability protection.
3 min read
Recreational Vehicle Liability: What Happens If You Injure Someone?
Recreational vehicle accidents involving golf carts, e-bikes, ATVs, and side-by-sides may sometimes create significant liability exposure, medical expenses, property damage claims, and potential lawsuits. Learn how homeowners insurance may provide limited recreational vehicle liability coverage in certain situations, when separate recreational vehicle insurance may be needed, and why umbrella insurance may become important after serious recreational vehicle accidents or injur
2 min read
Why Older Homes Are Harder to Insure in New Jersey
Understanding what insurance companies focus on when insuring older homes can help homeowners protect their investment and avoid surprises during the application process.
4 min read
Does Homeowners Insurance Cover E-Bikes, Golf Carts, ATVs & Recreational Vehicles?
Homeowners insurance may provide limited coverage for certain e-bikes, golf carts, ATVs, and recreational vehicles, but important restrictions and exclusions often apply. Learn how coverage may depend on vehicle type, speed capability, off-property use, liability exposure, and insurance company guidelines, and why some recreational vehicles may require separate insurance policies or specialty liability protection.
3 min read
Does Your College Student Need Renters Insurance?
College students living in dorms, apartments, or off-campus housing may still need renters insurance protection for personal belongings and liability exposure. Learn when a parents’ homeowners insurance policy may provide limited coverage, why off-campus living may create different insurance concerns, and how renters insurance may help protect laptops, electronics, furniture, and liability risks after covered losses such as theft, fire, or certain water damage.
3 min read
