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Home > Homeowners Insurance | Suburban General Insurance Agency - New Jersey

Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Quote Form

Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Property Loss Claim Form
Request Evidence of Insurance

Homeowners Insurance Information

Home insurance may provide crucial financial protection by covering your legal liability for third-party injuries or helping to repair or replace your home, other structures on your property and your personal possessions.  

Contact Suburban General Insurance Agency in Fair Lawn, New Jersey, to get the homeowners insurance coverage you need today.  

What Does Homeowners Insurance Cover? 

A typical homeowners insurance policy may provide coverage for the following: 

  • Personal liability coverage may help pay expenses such as legal fees and medical bills arising from third-party claims.
  • Dwelling coverage may help pay to repair or rebuild your home after damage due to a covered peril.
  • Personal property coverage may help pay to replace your covered possessions.
  • Other structures coverage may help pay to repair or replace detached structures on your property such as a gazebo or fence.
  • Additional living expenses coverage may reimburse you for certain costs, such as restaurant meals and hotel fees if you must move out of your home to allow for covered repairs.

 

Homeowners insurance can be tailored to your specific needs, including adding endorsements to your policy for more robust coverage. An experienced agent can help evaluate your coverage options and tailor your coverage to meet your needs.  

Are Foundation Problems Covered by Homeowners Insurance? 

Many homeowners wonder whether various situations may be covered under their homeowners insurance. While your home’s foundation is covered by homeowners insurance, foundation problems may or may not be covered, depending on the cause.  

Some policies exclude certain causes of damage, such as earthquakes and floods. In many cases, foundation damage may be covered if it is caused by the following: 

  • Explosions
  • Vandalism
  • Falling objects
  • Damage from the weight of ice, snow or sleet
  • Windstorms
  • Fire or lightning
  • Plumbing, heating or air conditioning system overflow
  • Damage caused by vehicles
  • Damage caused by aircraft



Your agent can help determine whether your homeowners insurance policy may provide coverage for foundation problems.  

Is Hazard Insurance the Same as Homeowners Insurance? 

Hazard insurance is typically a subsection of your homeowners insurance policy. Your lender may refer to hazard insurance separately from your home insurance policy.  

Hazard insurance may provide coverage for the following:  

  • Hail
  • Theft
  • Vandalism
  • Water damage caused by burst pipes or household appliances
  • Falling objects
  • Wind
  • Smoke and fire
  • Civil unrest or riot



This list is not exhaustive. Consult your agent to learn more about potential hazards covered by your home insurance policy.  

How Does a Homeowners Insurance Claim Work? 

The claims filing process will vary greatly depending on your insurer and the type of claim you may need to file (e.g., property damage vs. liability claim). If your property sustains damage, contact your agent right away. They can help you open a claim with your insurer and start the process of repairing or replacing your home and possessions. The amount of money you receive depends on the homeowners insurance included with your coverage.  

There are two types of property coverage under homeowners insurance policies: 

  • Actual cash value (ACV) coverage is calculated by determining how much money it would cost to replace your lost property today. Your insurer then subtracts depreciation using factors such as condition, age and obsolescence.
  • Replacement cost value (RCV) coverage is calculated by determining how much it would cost to replace your lost property with an identical item, but the insurer does not subtract depreciation.



Your insurer may send an adjuster to your home to document the damage and calculate the settlement. If you approve their offer, your insurer pays the damage minus your deductible.  

How to Buy Homeowners Insurance 

The agents at Suburban General Insurance Agency can help you get appropriate homeowners insurance for your New Jersey property. Contact us today to get a personalized quote. 

Contact Us Today!
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21-00 RTE 208S, Suite 105 | Fair Lawn, NJ 07410
P: 201-225-9099 | Fx: 201-225-0253 | info@suburbangeneral.com
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