O'Donnell Insurance Agency

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

Insurance Market Insights: Emerging Trends to Watch

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

Don't take the dive until you have gotten your Umbrella Insurance

Thursday, July 29, 2021

Is your flood insurance up to date?

Monday, July 12, 2021

How to Use a Fire Extinguisher

(908) 272-3540 Family owned and operated since 1880, founded in Elizabeth, NJ. O'Donnell Agency services for all your insurance needs. Personal and Commercial, Property and Casual insurance. Offices in Cranford, NJ and Raritan, NJ.

How to Use a Fire Extinguisher - https://t.co/9fS7iAGICA via @Travelers
— O'Donnell Agency (@InsuranceNJ908) July 12, 2021

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Friday, July 2, 2021

Happy Independence Day from your local Independent Agent!

Wednesday, June 23, 2021

Captive vs Independent. Why you need an Independent Agent.

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

The i's on Insurance: Your Homeowners Coverage

Flood Insurance - I. Overview and Key Requirements

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

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Saturday, April 10, 2021

Advantages of Umbrella Insurance Protection

O'Donnell Insurance Agency Home Page 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. Ask For Umbrella Insurance Protection 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

How to...check tire wear | Progressive Insurance

Timeline: Family owned and operated since 1880

Independent Insurance Agent Located in New Jersey, USA 07016 Located in Elizabeth, NJ Since 1880, O'Donnell Insurance Agency has been family owned and operated. Service for all your Insurance needs. Property and Casualty Insurance. Commercial and Personal Insurance.

Tuesday, April 6, 2021

Inspecting Your Home Plumbing

Learn ways to help avoid water damage so you can come home happy:

#INSURANCE: Inspecting Your Home Plumbing https://t.co/T8uyYTUPIj pic.twitter.com/QznjuIejeL
— O'Donnell Agency (@InsuranceNJ908) April 6, 2021

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What is Property Insurance?

Commercial Property Insurance can help protect the business property you own, lease or rent, including assets like your buildings, equipment, furniture, fixtures and inventory. Learn more about Commercial Property Insurance

Thursday, April 1, 2021

Follow O'Donnell Agency on Twitter @InsuranceNJ908 #Insurance

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Friday, March 26, 2021

What is Property Insurance?

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.

All vehicles registered in New Jersey require three types of mandatory insurance:

Liability insurance pays others for damages that you cause if you are responsible for an accident. It does not cover medical expenses.

Personal injury protection (PIP) pays medical expenses if you or other persons covered under your policy are injured in an automobile accident. Often called No Fault coverage, it pays your medical expenses if you were or were not at fault.

Uninsured motorist coverage protects you if you are in an accident with someone who doesn’t have proper insurance coverage.   https://www.state.nj.us/mvc/vehicles/insurancerequirements.htm

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Friday, March 19, 2021

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Thursday, March 18, 2021

Elizabeth, NJ Home Insured By O'Donnell Agency for 55 Years!

In August 1966 a home at 580 Adams Avenue in Elizabeth New Jersey was insured through the O'Donnell Agency until November 2020 when the house was sold. Below are the original AETNA Casualty and Surety Company (Hartford, Connecticut, A Stock Insurance Company) insurance declaration pages which at the time were written for 3 year periods.

Purchase of home was $18,000.00 August 15,1966.

Mortgage Payment was $108.75 per month on a $16,200.00 loan.

The Insurance Premium was $53.00 per year.

The 3 year cost was $159.00.