Homeowners Insurance Agency

Serving Northern NJ

The NJ homeowner’s insurance market covers a diverse group of homes ranging from $100,000 to $20MM+ estates. At the John Hawk Agency we understand that your home is likely you’re most valuable asset and needs to be adequately protected. Since home insurance is definitely not one size fits all, we work with many carriers to find the protection that is right for you, at the best price. We understand the positives and negatives of each company that we represent and can help you make the best choice for the protection of your home and your family. As licensed agents that also live in your local community, we have a stake in your long term satisfaction should the unexpected happen.

ABC's of Insuring My Home

What Determines the Cost of My Home Insurance

Which Homeowners Insurance Carriers Do You Work With?

Call 973-635-9494 today to find out about our different home insurance coverage options, discounts and savings! Or simply submit a free homeowners insurance quote request through our website.

Providing quality, affordable home insurance to the residents of Chatham, Madison, Summit, Livingston, Florham Park, Springfield, Short Hills, Morristown, Berkeley Heights, Millburn and all of Northern NJ.

ABC's of Insuring My Home

Your family's security and quality of life primarily depend on having a safe, comfortable place to live.

You don’t need to become an expert to select the right home insurance; you just need to understand a few basic concepts. Being an educated consumer can do more than just help keep your premiums low - it can also help you make sure what you think is covered … is actually covered.

Insuring Your Home’s Structure- Dwelling coverage

It is important to remember that when you insure a home you insure just the physical structure (dwelling) not the land. The price you paid for the home isn’t typically the amount that you would choose to insure it for. However, you need to insure the home for the full amount to replace the structure. As professional agents, we will help you determine the replacement cost of your home, so that you are properly protected against even the most unfortunate events.

Along with the home’s physical structure, dwelling coverage can also be extended to other structures including sheds, detached garages and gazebos.

Insuring Your Stuff (Personal Property)

Along with your dwelling, homeowner’s policies also cover your personal possessions such as clothing and furnishings. However, we are finding that the types of things our customers are buying are changing. Many years ago, we would have been mostly concerned about insuring your furniture, but in today’s market you may find yourself spending more and more on home electronics and computers. Taking the time to make sure you understand how your coverage works will help you know that everything is adequately insured.

Liability Insurance

Accidents happen and unfortunately when they do, occasionally so do lawsuits. Liability Coverage helps protect you against the financial risk arising from injury or property damage that you or your family may cause to other people – on or away from your property. It can even help provide for legal defense expenses for your day in court. At the John Hawk Agency will help you determine the amount of liability coverage that is needed to protect your financial well being in such an unfortunate event. For many clients, we also recommend a Personal Umbrella Policy that can extend your protection to higher amounts and additional accidents.

Medical Coverage

Whether from ice, slippery leaves or a misplaced extension cord, occasionally, invited guests managed to get injured on your property. These folks have the right to sue you for damages. The guest medical coverage of your homeowner’s policy can reimburse your guest for their medical expenses as a result of an accident on your property. These expenses can include emergency room visits, ambulance, medical and surgical services. Please talk with one of our agents to learn more about this valuable coverage.

FLOOD INSURANCE IS NOT COVERED BY A HOMEOWNERS POLICY. PLEASE FOLLOW THIS LINK TO LEARN MORE ABOUT THIS ALL IMPORTANT COVERAGE FOR NEW JERSEY.

Call the John Hawk Agency at 973-635-9494 today to get more information on homeowners insurance coverage and find out which is the best plan for you!

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What Determines the Cost of My Home Insurance

There are many factors that go into determining the price of any insurance policy. You can purchase home insurance to fit your exact needs and situation and in todays market at a very affordable price. Many times we can save our customers $100’s and even $1000’s on home insurance, while maintaining or in some cases even providing better coverage than they had before. Here are just a FEW of the factors that can affect the price of your home insurance policy:

The age of your home (and if it has had updates) and age of your roof.
What coverage limit amounts you choose for both the dwelling and personal property.
Claim History, prior losses and insurance (credit) score.
The area of NJ you live in and proximity to coastal water. In general, the further you are from the water, the lower your premium will be. Also the distance you are from a fire hydrant and fire station can have an impact on price.
What deductibles you chose for your home insurance policy can have a dramatic impact. The great the risk you assume as the homeowner, the lower your premium, but higher the out of pocket cost to you should you have a claim.
There are also a multitude of discounts and credits many of our insurers offer our customers the most common being centrally monitored alarms (burglar and fire) discounts.

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Which Homeowners Insurance Carriers Do You Work With?

Chubb Group
Fidelity Mutual
Fireman's Fund
Franklin Mutual
Pacific Specialty Insurance Company
Peerless Insurance
Philadelphia Contributionship
Preferred Mutual
Providence Mutual
Selective
The Andover Companies
Tower Group Companies

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