New Jersey Specific Insurance Needs That are Often Overlooked

| June 20, 2023

As a resident of New Jersey, it’s essential to have the right insurance coverage to protect yourself and your assets. While most people are aware of the standard insurance policies, such as home and auto insurance, there are several overlooked insurance needs that can be specific to residents of New Jersey. Here are some and why they’re important.

Flood Insurance in New Jersey

New Jersey residents are no strangers to floods. However, standard homeowner’s insurance policies typically do not cover flood damage. Purchasing flood insurance can protect your home and personal property when an unexpected flood hits.

Umbrella Insurance for New Jersey Residents

If you’re sued for damages that exceed the limits of your primary insurance policy, umbrella insurance can fill in that gap. We all have assets that we do need to protect. An independent insurance agent can help find the best umbrella insurance policy for you.

Cyber Insurance in New Jersey

In today’s digital age, cyber-attacks are happening more and more often. Cyber insurance can help protect your business in a data breach or other cyber-attack. Without it, you could be left in a lurch in a very vulnerable time.

Jewelry Insurance

Sometimes your most valuable jewelry is not covered by your homeowner’s policy. We all have jewelry and valuables that seem irreplaceable, and it would be devastating to lose them to theft or some other unexpected event. An independent agent can help ensure all your valuable jewelry has the appropriate coverage.

 

Don’t overlook these essential insurance needs if you live in New Jersey. Contact Leigh Agency to work with an experienced independent insurance agent who can help you find the right coverage for your needs. Our team is committed to providing personalized service and finding the best policies at competitive rates. Don’t wait until it’s too late – contact us today.

 

Why Work With an Independent Agency for Commercial Property Insurance

| June 10, 2023

If you own commercial property, finding the right insurance coverage is crucial. Working with a knowledgeable, independent agent is the best route to take. Independent agencies are not tied to any specific insurance company, which means they can provide you with various options. This allows them to get you the best deal possible since they can compare rates and coverage from multiple providers. Read on to learn why you should always work with an independent agency when looking for commercial property insurance.

Independent Agents Understand Commercial Insurance

In addition to getting you the best deal, independent agencies also have a deep understanding of the complicated needs of commercial businesses. They are familiar with the unique risks that come with owning and operating a commercial property. Therefore, they can help you find a policy that will provide the protection you need. Independent agents can also help you navigate the often confusing world of insurance, answering any questions you may have and providing you with the guidance you need to make informed decisions.

Personalized Coverage

One of the biggest benefits of working with an independent agency is that they can help you find a policy tailored to your specific needs. They will identify any potential gaps in your coverage, and work with you to find a policy that will provide the protection you need. It’s important to note that working with an independent agency doesn’t mean sacrificing service for the cost. At Leigh Agency, their experienced independent insurance agents are dedicated to providing excellent customer service and will work with you to find the right coverage at the right price. They’ll be there to help you every step of the way, from the initial quote through the claim process, ensuring you have a smooth and stress-free experience.

 

Overall, working with an independent agency is always the best choice. If you’re in the market for commercial property insurance, call Leigh Agency to work with their experienced independent insurance agents today.

 

 

What to Expect When Working With an Independent Insurance Agency

| May 30, 2023

When it comes to purchasing insurance, you have two main options: working with a big-name commercial agency or working with an independent insurance agency. While both types of agencies can provide you with coverage, there are some key differences between the two. Working with an independent agency will give you quotes with many different companies as well as superior customer service and the best budget-friendly options overall. Here’s what you can expect when working with an independent insurance agency.

 

Personalized Service with an Independent Insurance Agency

Independent insurance agencies typically have smaller teams than big-name commercial agencies. As a result, you can expect more personalized service. When you work with an independent agent, they take the time to get to know you. That way, they fully understand your needs and can recommend coverage that fits you and your family.

More Policy Choices with an Independent Agency

Big-name insurance agencies usually only offer insurance products from a single carrier. In contrast, independent insurance agencies work with multiple carriers, giving you more options for coverage. This can be especially helpful if you have specific coverage needs or are looking for a more affordable policy.

The Expertise of Independent Agents

The people that work for independent insurance agencies are very knowledgeable in their field. Independent agents understand the ins and outs of different insurance products and can help you make informed decisions about your coverage. Additionally, because they work with multiple carriers, they can provide you with unbiased advice.

Ongoing Support from Your Independent Agent

When you work with an independent insurance agency, you’re not just purchasing a policy – you’re establishing a relationship. Your agent will be there to answer your questions, make updates to your policy as needed, and provide ongoing support. Working with an independent insurance agency can provide a more personalized, comprehensive insurance experience.

 

Are you looking for a new insurance policy or want to update your existing policies? Contact Leigh Agency today. Our team of independent agents are dedicated to helping you find the right coverage

Understanding Your Insurance Coverage Limits

| May 25, 2023

Understanding the limits of your insurance coverage is an essential part of being properly protected. Insurance is designed to provide financial protection in the event of a loss, but it’s important to know what is and isn’t covered by your policy. By understanding your coverage limits, you can make sure you have the protection you need when you need it. Read on to learn more.

 

Understand Your Policy

A key factor in determining your coverage limits is the amount of insurance you have. Many policies have limits on the amount of coverage they provide, and it’s important to make sure that you have enough coverage to protect your assets. For example, if you have a commercial property policy with a $1 million limit, that means that the policy will pay out up to $1 million in the event of a loss. It’s important to note that if the damage from the loss exceeds $1 million, you will be responsible for paying the difference.

Policy Exclusions

Be aware of any policy exclusions. Insurance exclusions are specific events or circumstances that are not covered by your policy. For example, a standard property insurance policy may exclude coverage for flood damage, so it’s important to understand what type of natural disasters are covered by your policy.

Insurance Deductibles

In addition, it is also important to remember that insurance policies have deductibles. A deductible is an amount you are responsible for paying before your insurance coverage kicks in. For example, if you have a $1,000 deductible, you will have to pay the first $1,000 of any loss before your insurance policy covers the rest of the damage.

 

Understanding the limits of your insurance coverage is an important step in ensuring you have the protection you need. If you have any questions or concerns about your insurance coverage, call Leigh Agency to talk to an experienced independent agent.

What Our Clients Love About Working With Us

| May 10, 2023

At The Leigh Agency, we pride ourselves on providing superior customer service, customized coverage, and the best deals to our clients. Our clients love working with us because we go above and beyond to ensure they have the protection they need at a price they can afford. Read on to learn more.

 

Superior Customer Service

One thing that sets The Leigh Agency apart from other insurance agencies is our focus on superior customer service. We understand that buying insurance can be overwhelming, so we take the time to explain the process, answer questions, and provide guidance to help our clients make informed decisions. Our experienced independent insurance agents are always available to help, whether to answer questions about a policy or assist with a claim.

Customized Insurance Coverage

Another thing our clients love about working with us is our ability to customize coverage to meet their needs. We understand that every individual’s insurance needs are unique, and we take the time to understand our clients’ assets. We then work with them to find a policy that will provide the protection they need without paying for coverage they don’t need.

Save Money on Insurance

In addition to superior customer service and customized coverage, The Leigh Agency is also known for providing the best deals. As an independent agency, we have access to multiple insurance providers, which allows us to compare rates and coverage options. This enables us to get our clients the best deal possible without sacrificing coverage.

Personal Attention

With big-name insurance companies, clients may feel like just another policy number. With Leigh Agency, our clients are treated like family. We take the time to get to know our clients, their businesses, and their insurance needs – ensuring that their coverage is tailored to their specific situations.

 

If you’re looking for a new insurance agency, we invite you to experience The Leigh Agency difference!

Why We’re Proud to be Located in New Jersey

| April 20, 2023

At Leigh Agency, we are proud to be in the great state of New Jersey. There are so many things to love about this state, from its beautiful beaches and natural parks to its rich history and cultural diversity. Read on to learn why we love being an independent insurance agency serving the people of New Jersey.

 

New Jersey Has An Excellent Community

One of the things we love most about New Jersey is the community. Whether you’re from the bustling cities or the quiet suburbs, the people of New Jersey are known for their friendly, down-to-earth personalities. They are hardworking, compassionate, and always ready to lend a helping hand to those in need. We are proud to be a part of the community by helping people find the best coverage for themselves and their families. As an independent insurance agency, we can offer a wide range of coverage options from top-rated carriers. This allows us to tailor our policies to the unique insurance needs of our clients, ensuring that they have the protection they need at a price they can afford.

New Jersey Is Full of Exciting Opportunity

New Jersey is constantly building and growing. There are incredible opportunities here for both businesses and individuals. However, opportunity comes with risks. From the risk of natural disasters like floods to the risks associated with running a small business – there is no one-size-fits-all solution for insurance coverage in New Jersey. We’re proud to help people mitigate these risks while taking advantage of the state’s great opportunities.

 

From New Jersey’s welcoming communities to excellent opportunities, there is so much to love about this great state. If you need insurance coverage, contact The Leigh Agency to see how we can help. We have over 33 years of experience with helping New Jersey residents get the insurance policies they need.

 

Common Misconceptions About Insurance Coverage

| April 10, 2023

When it comes to insurance coverage, there are many misconceptions that can lead to confusion and misunderstandings. It’s important to understand the facts about insurance coverage, so you can make sure you have the protection you need. Read on to learn about some common misconceptions.

 

Homeowners Insurance Covers Everything in and Around Your Home

One of the most common misconceptions about homeowners insurance coverage is that it covers everything related to your home. This is simply not true. All homeowners insurance policies come with limits and exclusions, and it’s critical to understand what is and is not covered by your policy. You also need to be aware that insurance policies have deductibles. A deductible is an amount you are responsible for paying before your insurance coverage kicks in.

Insurance is Only Necessary in Case of a Major Loss

Another misconception about insurance coverage is that it’s only necessary for major losses. While it’s true that insurance can provide protection in the event of a major loss, it’s also necessary to have coverage for everyday risks such as theft, damage, or injury. The right coverage in place can protect your assets no matter what happens.

Insurance is Very Expensive

Some people believe that insurance policies are too expensive to afford. While insurance can be costly, remember it’s an investment in your financial security. By investing in insurance coverage, you’re protecting yourself and your assets in the event of a loss. Working with an independent agency can help you find the insurance coverage that fits your budget.

Most Insurance Claims Are Denied

One more misconception is that insurance companies will always deny claims. While insurance companies will investigate and assess claims, they are generally in the business of paying claims, not denying them. If a claim is denied, it’s usually because it falls outside of the policy’s coverage limits or exclusions.

 

Understanding the facts about insurance coverage is vital to make sure you have the protection you need. If you have any questions or concerns about your insurance coverage, call Leigh Agency. We’ll be happy to help you understand your coverage and ensure that you have the proper protection in place.

Why Work with an Independent Agent for Auto Insurance

| March 30, 2023

Car insurance is a necessity. So much so, that driving without auto insurance is illegal in New Jersey. But with so many car insurance companies out there, how do you know what coverage is best for you? When shopping for car insurance, consider working with an independent agent. Independent agents are not tied to any specific insurance company and can offer their clients a wider range of options. This can lead to better deals and more personalized coverage for the client. Here’s how!

 

Find the Best Auto Insurance Rates

One of the main benefits of working with an independent agent is that they can shop around for the best rates on your behalf. Independent agents can access multiple insurance companies to compare rates and coverage options to find the best deal for the right amount of coverage. This can lead to significant savings.

Personalized Auto Insurance Coverage

Another benefit of working with an independent agent is that they can provide more personalized coverage options. Independent agents can work with multiple insurance companies to find the best coverage options to meet their client’s specific needs. This can include liability coverage, collision coverage, and even specialized coverage for classic cars or high-performance vehicles. With big-name companies, you’re mostly getting cookie-cutter coverage.

Better Customer Service

Using an independent agency for auto insurance means you get better customer service. If a client needs an updated policy, all they need to do is contact their independent agent. With larger insurance companies, it may involve many calls and lots of hold time. Furthermore, independent agents are always willing to answer all your auto insurance questions and have the vast experience and knowledge to do so!

 

If you need better car insurance or don’t know where to begin, give The Leigh Agency a call. We’re proud to be an independent agency!

What Qualified Us to be a Trusted Choice Independent Agency

| March 20, 2023

As a trusted independent insurance agency in New Jersey, Leigh Agency has been serving the community for over 30 years. In that time, we have built a reputation for providing reliable, high-quality insurance coverage to our clients. Read on to learn why you can trust us for all your insurance needs.

 

Extensive Insurance Experience

We have extensive experience in the insurance industry. With 30 years under our belt, we have gained a deep understanding of the insurance market and the various coverage options available. This knowledge allows us to provide advice to our clients, helping them make informed decisions about their insurance needs.

Commitment to Customer Service

In addition to our experience, Leigh Agency is also known for our commitment to customer service. We take the time to listen to our clients, understand your unique insurance needs, and work tirelessly to find the best coverage options to meet those needs. Whether you’re looking for homeowners, auto, or business insurance, Leigh Agency has the knowledge and resources to help you find the right coverage.

A Wide Range of Options

Another reason to choose Leigh Agency is our wide range of insurance options. We offer coverage from a variety of top-rated insurance carriers, giving our clients the ability to choose the policy that best fits their needs. This flexibility is especially important when it comes to finding the right insurance coverage. Everyone has different insurance needs– and no one understands that better than us.

 

When it comes to finding reliable insurance coverage in New Jersey, Leigh Agency is a trusted choice. With our extensive experience, commitment to customer service, wide range of insurance options, and strong community ties, we are the best choice for all of your insurance needs. Call us today, and we’ll help you find the perfect coverage.

Why It’s Beneficial to Work with Multiple Carriers Instead of One

| March 15, 2023

Independent insurance agencies have built relationships and work with multiple carriers (insurance companies). By doing so, they can provide their clients with a wide range of benefits. Here are just a few.

 

More Insurance Coverage Options

One of the main benefits of working with multiple carriers is that it allows the agency to offer various insurance options to their clients. By having access to numerous carriers, an agency can provide clients with more choices and tailor the coverage to their specific needs. For example, some unique insurance needs may require multiple policies from different carriers. This would not be an option if a client worked with a captive agent, who can only work with one carrier.

Better Prices

Working with multiple carriers allows an agency to be more competitive in pricing. With access to numerous carriers, an agency can shop for the best rates and pass those savings on to their clients. This benefit typically leads to lower premiums for the client.

Better Customer Service

An underrated benefit of working with multiple insurance carriers is that it leads to better customer service. The agency can work with multiple carriers to find a solution if a client needs to update their policy. This can be especially beneficial if the client has a unique insurance need that a single carrier may not be able to accommodate. Since independent agents have vast experience working with many different insurance carriers, their knowledge of the industry is extensive. More knowledgeable agents mean more answered questions and more confident recommendations for coverage.

 

Independent insurance agencies that work with multiple carriers, like The Leigh Agency, can provide these great benefits. If you need insurance coverage, call us today. We can help you find the right insurance coverage for all your needs.