New Jersey Community Honors Medical Heroes at Robert Wood Johnson University Hospital

While we all work together to fight the COVID-19 outbreak, it is always great to hear some good news! We are seeing some of the best in humanity come out in a time like this to either make donations or just do whatever they can to make people smile! There was a great story that happened in Somerville, New Jersey where people did something incredible to show their support for medical professionals at Robert Wood Johnson University Hospital.

It looked like a parade outside of the hospital as hundreds of people from the local area coordinated a unique way to show their appreciation for the hospital workers (all while keeping a safe social distance of course!). In conjunction with the local Elks chapter, a very well and safely planned support group was organized to make a “visit” of sorts to the hospital. People held signs with messages of a simple “Thank You” to signs that called the hospital workers “Heroes”.

Hospital workers can feel overwhelmed on a normal day, let alone during a pandemic like this one. It is important for people to show their support in as many ways as they can to give them a well deserved “pat on the back” and let them know that they are appreciated. Through this very brief visit, these citizens were able to clearly communicate these sentiments in an incredibly creative way.

The heroes working in these hospitals said they were extremely grateful for the support from the local community. Whether it is through something like an impromptu parade or even just a thank you letter, they are recognizing the amount of overwhelming support from other people. It is just another example of how the best in humanity comes out in a time like this!

Fun Ideas To Stay In Touch With Friends and Family While Social Distancing

In a time like this, continuing to socialize is exceptionally important. Thankfully, we are in an era where technology can help us do absolutely incredible things! There are countless ways to keep in touch with your friends and family while continuing to properly social distance yourselves from each other. Below are just a few ideas on how you can continue to socialize (and have a ton of fun while you are doing it!)

 

House Party (Virtual)

House Party is a great way to start a video chat with many people at once. It’s really easy to use and very reliable. Just set up the “party” and send the invites to get started! Soon enough you will have everyone on your screen as if they were in the same room as you!

Parking Lot Meal

Order some take out, meet in a nearby parking lot, and call your companion! By staying in your own vehicles, you could keep a safe distance apart while seeing the person and enjoying a meal with them. It’s a great way to get out of the house for a bit and catch up with your friends and family.

Send Handwritten Letters

This one may sound silly but it’s a very fun way to keep in touch! It’s something that you can look forward to whenever the mail comes. Turn your pals into pen pals and we bet that you’ll still do it once you are able to see each other again in person.

Play Party Games Online

There are many games that can be played together online through the use of your cell phones as controllers. You can still have family game night without even seeing each other through some really fun games online that the entire family can enjoy!

How To Show Your Appreciation To Emergency Responders

Even though many people are able to stay at home in a time like this, emergency responders don’t have that luxury. They continue to provide their crucial services during this outbreak. Every time they do, they are selflessly risking their health for the benefit of others. Because of this, people are looking for ways to show their appreciation! Below are some ways to say “thank you” to our beloved emergency responders.

Buy Lunch, Dinner, Coffee, etc.

A great way to show your appreciation is to get together with some neighbors and buy a lunch, dinner, coffee, etc. for a local response team. This can be easily coordinated through one of the many restaurants offering take-out. It will give you an opportunity to support your local community and a local restaurant at the same time! We would recommend calling ahead to the location you plan on making the donation to before ordering anything. This will give you an opportunity to make sure they haven’t already had plans for the day you wanted to make your donation.

Send Thank You Cards

Thank you cards are a timeless way to show your appreciation. Just a quick note showing they are appreciated could brighten up the whole station’s day. You can even get the kids involved to draw pictures or write their own cards as well. It is a really simple but effective way to say thank you to those who are protecting us every day!

Monetary Donations

Here are ways you can easily make monetary donations. The EMS link is specifically for the Freehold EMS team however, most towns have their own website to facilitate donations. This way, you can donate to the EMS team in your hometown!

Police Officers

http://njlepba.com/members/donor-page.php

EMS

http://www.freeholdems.org/donate

Firefighters

https://www.njfmba.org/pac_fund

How To Personally Help During The Coronavirus Outbreak

It has been incredible to see how many people in the country are helping in any way they possibly can in the battle against the coronavirus. There is an incredible variety of ways you can help locally. For those looking for ideas on how they can help, we put together a list of different ways to contribute in New Jersey!

 

Volunteer Time (In Person or At Home)

Some organizations are offering both in-person and virtual volunteer opportunities. The United Way of Ocean and Monmouth Counties has a volunteer portal for all of their current opportunities.

Donate Items

If you have found yourself with an excess of any items, you should contact local charities, especially food banks, to find out if they could use them. Also, if you have any craft skills/sewing experience, you can make items like masks or nurse caps and donate them to local medical facilities. Call your local hospital to find out if they can use them or if they know of a facility that does!

Donate Blood

The American Red Cross is reporting a blood shortage because of the pandemic. If you contracted and fully recovered from COVID-19, then you can potentially help those that are currently sick. Learn about both opportunities on their website – redcross.org .

Donate Money

New Jersey Pandemic Relief Fund

This organization was created specifically to address the COVID-19 outbreak. 100% of every dollar donated to them online will for to organizations that provide essential services to those in need and to assist those on the front lines of the COVID-19 pandemic.

Elijah’s Promise

Based in New Brunswick, Elijah’s Promise provides the local community with nutritious meals. Due to the outbreak, they are running low on supplies and are in need of monetary donations.

 

Every contribution, no matter how small, will help us beat the virus together! If we all contribute in some small way, we can make a big difference!

Neighborhood Connections to Health

 

 

 

 

 

 

 

 

“Creating unified, healthy, and safe towns through community collaboration & partnership.”…that’s the mission statement of Neighborhood Connections to Health. Their goal is to bring the community of Freehold Borough together in order to help those in need. The organization started in 2016 with the intention to address the health disparities in Freehold Borough. They do this through providing people in their community with access to healthy food, information about biking/walking safety, guidance to prevent lead poisoning, intergenerational activities, and much more!

One of Neighborhood Connections to Health’s main efforts is providing the community with a mobile pantry. In conjunction with fulfill, they collect food donations to get them to people in the community that need it the most. Even in this time where it is more difficult to collect donations and deliver food, they are still getting it done while following all of the guidelines provided by the CDC. As a result, this is a great time to donate to the cause so they can continue to provide food to those who need it more than ever before. To donate, just visit their site on a desktop or laptop computer and click on the “donate” button in the top right corner. Every dollar counts!

A lot of people are trying to find the best ways to help their community in this time of need. Most people would be surprised to find out they can help immensely without having to leave their computer! If you have donated or aren’t able to, then share their cause on social media to spread the word about Neighborhood Connections to Health and any other local organizations. Just one short post about the organization can help them get another donation that they wouldn’t have received without your post! Visit their Facebook Page and/or Twitter Account to start helping them get the word out about their cause!

Insure Your Toys! Make Sure Your Boats, Jet Skis, Motorcycles, ATVs, etc. are Covered!

Making big purchases like boats, jet skis, motorcycles and ATVs are some of the fun perks of being an adult. But just like your vehicles, you should make sure your toys are covered with the proper insurance policy. Your gadgets are worth a lot of money, and they provide you with a lot of joy, so to have peace of mind knowing you won’t be out the money if something happens, get them covered. Here’s a little bit more info on the subject.

 

Toys Are NOT Covered on Your Homeowner’s Policy

Your homeowner’s insurance policy won’t cover anything that moves. Meaning no boats, no jet skis, no ATV’s or other fun, stuff. This means not only are you not covered for the price of the item if it becomes damaged, but you also will not be covered if you hurt yourself or someone else while using it. Your vehicle liability insurance could potentially cover damage to another vehicle if, for example, you were towing your toy on a trailer with your car, and it rolled off and caused damage to someone else. However, you should have your current policy reviewed to be sure you at least have that specific situation insured!

 

Contact an Insurance Agency for Policies

Most states may require you to have a license to operate certain toys, but they will not require you to purchase insurance. The responsibility of finding and obtaining proper insurance is entirely your obligation. Contacting an Insurance Agency with experience with these kinds of policies is your best bet.

 

It’s Not Worth the Risk Not to Have Insurance

These fun toys are often used with family and friends on vacation or holidays. Can you really afford to pay for hospital bills, damage or a new toy if something happens? Do yourself a favor and purchase an insurance policy to cover all the “what ifs”, so you can enjoy playing with your toys.

 

To insure your toys, car, home or business, call Leigh Insurance Agency, Freehold, NJ for all your insurance needs. We’ll help find the perfect policy for you.

Review The Deductibles In Your Homeowner’s Policy

Homeowner’s insurance is necessary so you can have peace of mind that unexpected events won’t be financially devastating, and your home can be repaired as soon as possible. In fact, most banks require homeowner’s insurance to secure a loan. However, it’s essential to review your policy before purchasing, so you’re entirely aware of what deductibles you’ll be responsible for paying. Let’s take a closer look.

 

What’s a deductible?

A deductible in a homeowner’s insurance policy is the amount of money that you will be responsible for paying out of pocket while your insurance pays the balance of the covered loss. For example, if you sustain $1200 worth of covered damage but have a $500 deductible, the insurer will pay only $700 and you will have to pay the balance to make your repairs.

 

Should you go for a high or low deductible?

There are several factors you should consider when deciding on the right policy with the right deductible. You should think about how much you can afford to pay in insurance payments versus how much you can afford to pay out of pocket if something bad happens to your home. A higher deductible gives you a lower insurance premium to pay, but it means you’ll have to pay more out of pocket when you file a claim.

 

What are the two types of deductibles for homeowner’s insurance?

Homeowner’s policies have two different deductibles. They are:

  • Fixed deductible- this deductible is the fixed amount that you pay out of pocket when you file a claim for a covered loss.
  • Percentage Deductible- these deductibles are specific to storm-related claims. They are calculated based on the percentage of your home’s value. So, if you own a $200,000 home and you have a 1% hurricane/wind/hail deductible, $2000 would be your deductible for that claim.

 

Some policies have two deductibles, a percentage deductible for hurricane/wind/hail damage and a fixed deductible for all other types of claims.

Perform a Proper Business Insurance Review for 2020

Business insurance is essential to protect your business from losses that occur during the normal course of running your company or brand. There are several different types of insurance for businesses, so how do you know what you need for the upcoming year? You should be evaluating your insurance needs based on potential risks, which can vary depending on your specific environment and practices. Here’s what should be considered in a proper business insurance review for 2020.

 

Professional Liability Insurance

Professional Liability Insurance covers your business against negligence claims that can be filed against you for mistakes or failure to perform your services. This type of coverage varies and can be customized depending on your industry and the unique concerns of your business.

Property Insurance

Property Insurance covers all your business’ equipment, signs, inventory, furniture, and large items in the event of fires, storms, or theft. It’s important to note that property insurance DOES NOT cover events like floods or earthquakes. If you live in an area where these natural disasters occur, you’ll need a separate policy.

Home Business Coverage

If you have a home-based business, be aware that your homeowner’s insurance policy does not cover your business. Ask your agent about specific plans that will meet your needs.

Product Liability Insurance

If your business sells products, product liability coverage is vital. This type of plan will cover lawsuits filed due to damages caused by your products.

 

As you can see, making sure your business has adequate insurance coverage for the upcoming year can be complicated. Here at Leigh Agency, we can simplify the process for you and make sure you have all the coverage you need for 2020. Give us a call today to set up an appointment.

Holiday Decoration Safety

Who doesn’t love Holiday decorations? All the twinkling lights, candy canes, and snowmen can make even Scrooge smile and reach for a cup of hot cocoa. We encourage everyone to go nuts with their holiday decor, but it is essential to keep safety in mind. All those extension cords, light bulbs, and glass can get a little tricky, so before you deck the halls, read on for some holiday decorating safety tips.

Keep Your Christmas Tree Away From Heat Sources

One of the best parts of the holidays is having a live tree in your living room for a few weeks. However, if you decide to go for a real tree instead of an artificial one, keep it away from heat sources. This means you should place your tree far away from fireplaces and heaters. Water your tree daily to prevent it from drying out and always keep a fire extinguisher in your home on the same floor as your tree.

Make Sure Your Twinkle Lights are in Good Shape

Strings of holiday lights should be replaced every couple of years. Never use lights, indoors or outdoors, that are frayed or have loose connections. Thoroughly check your lights before hanging them and always make sure you’re using the proper extension cords for either indoor or outdoor use.

Power Off Before Bed

Whether you’re planning on using a timer for your lights or manually unplugging them, make sure they’re all completely off before turning in for the night. Leaving them on can leave you at risk for a power shortage or outage while you’re not awake to address it.

Keep Breakable Ornaments High and Safe

We all have fragile holiday decorations; some may be older than we are. It’s perfectly ok to display these proudly every year, but it’s best to keep these breakable items out of reach of pets and small children.

So, get crazy with your holiday decor this year, but remember safety first. Happy Holidays!

What to Look For in the Right Homeowners Insurance

Choosing the right homeowners insurance is an essential part of owning a home. Things happen, so it’s vital to protect your most valuable asset from the unexpected. So what should you look for in a homeowners insurance policy? Read on to find out.

 

Make Sure You Know What’s Required from Your Mortgage Company

Depending on what type of mortgage you have, or the specific rules of your mortgage company, there may be certain policies you’re required to purchase. Make sure you know exactly what policies your bank requires you to have.=

Look for Value

When it comes to insurance, cheap isn’t necessarily better. Instead of looking for the lowest price, look for policies that give you the most for your money. Paying less per month or upfront may seem like the best option, but when an emergency hits, you’ll be paying more of the costs of damages out of pocket.

Consider Your Belongings as Well

Homeowners insurance policies can also cover what’s inside your home. Make sure you have an adequate policy for your valuables. Your insurance agent should be able to find you a policy specific to your individual needs.

Make Sure Liability is Included

Liability insurance is coverage in the event someone injures themselves on your property and sues you for damages. Most homeowners policies cover this but always ensure that it is included.

Be Aware of What’s NOT Covered

Most insurance policies do not cover events like floods and earthquakes, so if you live in an area where these events are likely, you’ll have to purchase them separately. Read through your entire policy and be aware of what’s covered and what isn’t covered so there are no surprises when the unexpected happens.

 

Homeowners insurance is meant to protect you financially, and give you peace of mind, so don’t be afraid to ask questions. Your insurance agent will help you find the best policy for you and your home.