Wednesday, September 8, 2021
Renter’s Insurance: A Guide for College Apartment Renters
At O’Donnell Agency LLC, we help many New Jersey college students protect their belongings when they rent a home. However, many students may not even realize that this option is available for their needs. As a result, it is crucial to consider finding a renter’s insurance policy for your needs.
How Renter’s Insurance Helps
When you’re renting a place during college, you may not realize that the homeowner’s insurance policy does NOT cover your belongings. That’s because it only covers the structure and any items that they own within the home. As a renter, you do not own the house – so your items are not protected.
However, that doesn’t mean that you can’t get protection. Renter’s insurance is a simple type of policy that covers any items within a rental that the renter owns. You can find many types of policies that easily fit into a challenging budget and help keep most students safe.
When living in a multiple-person home (such as if you live with your buddies), you should note that your policy will only cover YOUR belongings. So, you might want to talk to your roommates about what kind of rental policy will work the best for their needs. Doing so is a great way to help your friends.
Protect Your College Investments
If you’re a college student renting an apartment or a home and you want to avoid severe complications with your financial needs, please don’t hesitate to contact us today at O’Donnell Agency LLC. We serve the New Jersey area and provide high-quality rental insurance that will easily fit into even the most demanding students’ needs. We’ll do what we can to make sure that you are delighted.
Wednesday, August 25, 2021
Saturday, August 7, 2021
Umbrella Insurance Essentials
Many people in New Jersey are completely unfamiliar with Umbrella Insurance and what it is for. The professionals at O’Donnell Agency LLC are well versed in Umbrella Insurance and why it is important for New Jersey residents to carry this coverage.
Umbrella Insurance is also referred to as personal liability insurance. The most basic definition is that this is a type of personal liability insurance designed to cover claims that exceed what your regular insurance policies cover. It serves as an additional layer of protection to protect your assets in the event of an incident or lawsuit. Umbrella insurance covers situations that don’t involve your property or your vehicle, which means it is incredibly useful for scenarios that are outside of normal insurance claims.
Umbrella insurance is not the same as excess liability coverage. It covers not only items that you are already insured for, but a wide range of contingencies that a typical insurance policy will not cover. Umbrella insurance covers you and your co-insured against items such as:
- Lawsuits involving injury to others (such as your dog biting your neighbor)
- Damage to other people’s property
- Slander or defamation lawsuits
- Landlord liability
It’s also important to note what Umbrella Insurance does not cover. Examples of non-covered instances are:
- Damage to your personal property (this is what your homeowner’s insurance is for)
- Damage that you or a member of your household caused maliciously or on purpose – for example, spray painting someone else’s home or car or tripping someone and causing them to fall and be injured
- Liabilities occurring during the course of business or professional activities (those would fall under business insurance)
The team at O’Donnell Agency LLC wants to help make sure you are properly protected and are waiting to answer all of your questions about Umbrella Insurance!
Thursday, August 5, 2021
Thursday, July 29, 2021
Monday, July 12, 2021
How to Use a Fire Extinguisher
Tweets by InsuranceNJ908How to Use a Fire Extinguisher - https://t.co/9fS7iAGICA via @Travelers
— O'Donnell Agency (@InsuranceNJ908) July 12, 2021
Friday, July 2, 2021
Wednesday, June 23, 2021
Saturday, June 19, 2021
Thursday, May 13, 2021
Introduction to the National Flood Insurance Program -- a Customer Exper...
Introduction to the National Flood Insurance Program -- a Customer Exper... https://t.co/HGiw15KEOH via @YouTube
— O'Donnell Agency (@InsuranceNJ908) May 13, 2021
Flood Insurance 101: Part 1
Flood Insurance 101: Part 1 https://t.co/4vhDHXOyFt via @YouTube
— O'Donnell Agency (@InsuranceNJ908) May 13, 2021
Wednesday, April 14, 2021
Saturday, April 10, 2021
Advantages of Umbrella Insurance Protection
O'Donnell Insurance Agency Home Page Ask For Umbrella Insurance Protection As a valued client we want to help you protect everything for which you’ve worked so hard. We want to help you prepare for today’s risks. Plan ahead to protect against inadequate personal liability coverage in today's litigious society. Call us to discuss, Umbrella Insurance Protection : A base policy could cost you less than $1 per day for $1 million of additional liability coverage. We can also discuss Valuable Items coverage that can better protect items which may be underinsured such as engagement rings, fine china, golf clubs, collectibles and more. When your Auto and Homeowner renewal approaches, it will be a good time to look into bundling your policies. The Insurance marketplace has now become so competitive that carriers are offering more and more discounts and incentives to compete for your business. We here at O'Donnell Agency are experts working hard every day to stay on top of all these changes to find the most suitable policies available for you. Live your life, leave your insurance to our professional staff. Call for a free review of your policies to see which of our carriers would best suit your needs. An Umbrella Policy is also another way to protect yourself from a lawsuit.. This type of policy acts as an extension of the liability coverage on your home and auto policies. In many cases, your insurance carrier requires that you have a certain level of liability coverage on your home and auto policies before they will allow you to purchase an umbrella policy. For most providers, this figure hovers somewhere around the $250,000 to $300,000 mark. However, it is important to speak with your agent directly to determine what changes you need to make to those policies to be considered for additional liability coverage. Don't put your family's financial well-being at risk! Contact our knowledgeable team today for more information on how insurance can protect you from a serious lawsuit. | ||
Thursday, April 8, 2021
Timeline: Family owned and operated since 1880
Tuesday, April 6, 2021
Inspecting Your Home Plumbing
#INSURANCE: Inspecting Your Home Plumbing https://t.co/T8uyYTUPIj pic.twitter.com/QznjuIejeL
— O'Donnell Agency (@InsuranceNJ908) April 6, 2021
What is Property Insurance?
Thursday, April 1, 2021
Friday, March 26, 2021
Tuesday, March 23, 2021
NJMVC Insurance Requirements
All drivers in New Jersey must provide proof of insurance when operating any vehicle. Failure to do so can result in hefty fines and suspension. Having insurance is just as important as having a title on your car or registering it with the MVC.
Friday, March 19, 2021
Thursday, March 18, 2021
Elizabeth, NJ Home Insured By O'Donnell Agency for 55 Years!
Wednesday, March 10, 2021
Thursday, March 4, 2021
Friday, November 20, 2020
Monday, August 10, 2020
Follow O'Donnell Agency on Social Media #Linkedin #Facebook #Twitter #Google YouTube
Tuesday, June 30, 2020
Flood Insurance 101:
Flood Risk: What is Flash Flooding? https://t.co/Zp3BiJlO6c via @YouTube
— O'Donnell Agency (@InsuranceNJ908) June 30, 2020
Flood Risk: What is Coastal Flooding? https://t.co/yO58zj5rLb via @YouTube
— O'Donnell Agency (@InsuranceNJ908) June 30, 2020
Hidden Risks Can Cause Flooding https://t.co/Nr6L2EdIle via @YouTube
— O'Donnell Agency (@InsuranceNJ908) June 30, 2020
PrepTalks: Sean Kevelighan "Understanding the Value of Insurance" https://t.co/sgqzYrwZqA via @YouTube
— O'Donnell Agency (@InsuranceNJ908) June 30, 2020
Monday, June 1, 2020
Protect Yourself. CyberSecurity. Check your policy today.
Friday, May 29, 2020
Find out if car insurance costs less when you drive less
What to do if your car was totalled
Cyber security safety habits that keep you safe online
Which Usage-Based Insurance is Best for You?
Wednesday, October 23, 2019
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Saturday, October 19, 2019
LoyalSure, Providing Solutions for Business Owners
Tuesday, October 15, 2019
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