What We Learned in our 33 Years of Business

As an independent insurance agency, we at Leigh Agency have learned a lot about providing insurance over the past 33 years. Here are a few key things we’ve learned during that time.


It’s all about the customer!

At the end of the day, our job is to provide the best possible service to our customers. This means listening to their needs and concerns, answering their questions, and helping them find the coverage that best fits their needs.

Stay knowledgeable!

Insurance can be a complex subject, and it’s our job to stay up to date on the latest policies and coverage options. This way, we can provide our customers with accurate and reliable information to help them make informed decisions. In an ever-evolving industry, we must keep our eyes open and always be ready to learn.

It’s crucial to be responsive!

When our customers have questions or need to file a claim, we know that time is of the essence. That’s why we always strive to be responsive and available to help them as quickly as possible. We pride ourselves on stellar customer service, and that will never change.

We’ll always be honest with you!

Trust is a crucial element of any insurance relationship, and we know that honesty is the best policy. We always strive to be transparent and upfront with our customers, even if it means delivering news they may not want to hear. We will always strive to get you the best policy and coverage for your needs.


If you’re in need of insurance and are looking for a reliable, knowledgeable, and responsive partner, call Leigh Agency. With 33 years of experience in the industry, we have the expertise and dedication to provide you with the best possible service. And we love doing it!

Why Work with an Independent Agent for Renters Insurance

Are you renting a home or apartment? If so, you might think that your landlord’s insurance policy will cover any damage or losses that occur. However, this is not the case. Renters insurance is an important type of insurance that protects you and your personal belongings in case of a covered loss, such as a fire or theft.


Why do you need renter’s insurance?

First and foremost, renter’s insurance can protect you financially. If a covered loss occurs, your policy can help pay for the cost of replacing your belongings, as well as any temporary living expenses you may incur. Items such as your furniture, all your clothing, TV, day to day appliances – all of which become expensive to replace without insurance.

Liability Coverage Included in Renter’s Insurance

In addition to protecting your belongings, renter’s insurance can provide liability coverage. This means that if someone is injured while on your rented property, your insurance policy can help cover any medical bills or legal fees that may result should you be sued. Without renters insurance, you could be personally responsible for paying these costs out of pocket.

Independent Insurance Agents Can Help Find You the Right Renter’s Insurance

While it’s important to have renters insurance, it’s also important to work with the right insurance company or agent. That’s where an independent insurance agent comes in. An independent insurance agent is not tied to any specific insurance company, which means they can shop around and compare policies from multiple companies to find the best coverage for your needs and budget. They are also able to offer a more personalized experience, as they are not bound by the policies and procedures of a larger, national insurance company.


If you need renters insurance, contact Leigh Agency. Our independent agents will be happy to help you find the best policy for your needs. Give us a call today to get started.


Why You Shouldn’t Trust an Online Form to Determine the Coverage You Need

When it comes to shopping for insurance, it’s tempting to turn to the internet for quick and easy quotes. After all, filling out an online form is much simpler than setting up an appointment with an insurance agent, right? Unfortunately, this convenience may come at a cost. While getting a quote online can give you an idea of what you might pay for insurance, it may not necessarily provide you with the coverage you need.


Cookie Cutter Coverage

One of the main issues with relying on online forms for insurance quotes is that they often do not consider all the factors that can affect your coverage and premium. For example, an online form may not ask about any special features or upgrades you’ve made to your home, or about any hobbies or activities that could affect your risk level. As a result, the quote you receive may not accurately reflect your unique needs and circumstances.

Can’t Ask Questions

Online forms may not give you the opportunity to ask questions or clarify any concerns you may have. Working with an insurance agent in person or over the phone allows you to have a more personalized and thorough conversation about your coverage needs. This is where working with an independent insurance agency can be especially beneficial. An independent insurance agent is not tied to any specific insurance company, so they can shop around and compare policies from multiple companies to find the best coverage for your needs and budget. They can also offer a more personalized experience since they are not bound by the policies and procedures of a larger, national insurance company.


Consider working with an independent insurance agency like Leigh Agency. Our agents will be happy to sit down with you and discuss your unique needs and help you find the right policy for you. Give us a call today to get started on your customized insurance quote.


Why Work With An Independent Agent for Business Liability Insurance

Business liability insurance is essential to protect your business from financial losses due to lawsuits or other legal claims. If someone is injured on your property, or if your products or services cause damage or injury, you could be held liable for the resulting costs. This can include medical bills, legal fees, and other expenses. Business liability insurance can help cover these costs, protecting your business from financial ruin in the event of a lawsuit. It is an essential type of coverage for any business, no matter how big or small. Without it, you could be putting your business at risk. When it comes to business liability insurance, working with an independent agent is a better choice than going with a big-name insurance company. Here’s why.


Personalized Service

Independent agents are able to offer personalized service that is tailored to your specific business needs. They will take the time to understand your business and help you find the right coverage that fits your unique needs and budget.

A Wide Range of Options

Independent agents have access to a wide range of insurance options from multiple carriers, which means you have more options to choose from. Big name insurance companies often only offer their own products, which may not be the best fit for your business. You don’t want to be stuck with coverage you don’t need, or a policy that leaves you hanging.

Save Money with an Independent Agent

Independent agents can often help you find the most cost-effective coverage for your business. They have access to a wide range of options and can help you compare rates and coverage. An independent agent can help you stay on budget and get more bang for your buck.


To find an experienced independent insurance agent to help you find the right liability coverage for your business, call Leigh Agency today.


The Most Common Insurance Claims During the Winter

Winter can be a tough season for homeowners, with various potential insurance claims arising from the harsh weather. From slipping on sidewalks to frozen pipes, here are some of the most common winter insurance claims to be aware of.


 Slippery Accidents Caused By Winter Condition

Snow and ice can make sidewalks and driveways slippery, leading to slips and falls. These accidents can result in serious injuries. Insurance can cover you, your family, and anyone else that falls on your property. You may think this is an unlikely scenario, but it’s one of the most common insurance claims in the winter.

Home Damage Due to Winter Weather or Storms

A wide array of damage may happen due to winter weather. For instance, the drop in temperature can cause the water inside pipes to freeze, expand, and break the pipe. This can result in extensive water damage to a home and may require costly repairs. Furthermore, heavy snowfall or strong winds can damage the exterior of your home.

Vehicle Accidents

Winter weather can make roads slippery and lead to more vehicle accidents than in other seasons. If you’re involved in an accident that’s not your fault, the other driver’s insurance should cover the damages. However, if you are the party at fault, your insurance will have to cover the damage to your vehicle, the other vehicles involved, and any injuries.

Winter Fires

Cold weather can lead to an increase in the use of space heaters, fireplaces, and other sources of heat. For this reason, winter fires are more common than you think. It only takes one spark to lead to a house fire.


To ensure you’re adequately covered for the winter season, it’s a good idea to review your insurance policy and make any necessary updates. If you need help determining whether you have the right coverage, we encourage you to call us. Our team of independent agents can help you do just that!

Do You Need Event Insurance for Your Holiday Gatherings?

People often think of insurance for life events like buying a new home or car, but maybe not when throwing a big party or gathering. The truth is that event insurance can be extremely helpful for weddings, large holiday parties, and many other types of events.


What is Event Insurance?

When planning a large holiday gathering like a party or family reunion, you may rent a venue or hire vendors. Many vendors will not offer refunds, no matter your reason for cancellation. If there’s a bad storm, or the out-of-town guests have a canceled or delayed flight, you could be out hundreds or thousands of dollars. This is where event insurance comes in. In some cases, you may find that your venue requires event insurance.

Will my Homeowner’s Insurance Cover my Holiday Gathering?

Will my home insurance cover event issues? Unfortunately, most homeowners’ policies do not offer coverage for problems related to events if it’s not held at home. If you hosted a large holiday gathering at your home and someone tripped and hurt themselves, your homeowner’s policy would likely cover that. However, if you hosted a large holiday gathering at a private venue and did not have event insurance, you may be held monetarily liable for someone’s injury.

How Much Event Insurance Do I Need?

The amount of event insurance coverage you’ll need for your holiday gathering depends on a variety of factors, such as:

  • How many people will be attending
  • The total cost of the event
  • Whether or not you’re serving alcohol


To ensure you have the proper coverage for your holiday gathering, talk to the experienced independent agents at The Leigh Agency. We can make sure you have all the event insurance you need, so you can concentrate on enjoying the holidays with your family and friends.

The Leigh Agency Has Been Helping People Get Coverage During Life Changing Events for Over 33 Years

Insurance coverage is more than just a business transaction. Carrying insurance policies can help give you peace of mind that when the unexpected happens, you won’t find yourself facing a financial emergency. As you and your family grow and evolve, so do your insurance needs. The Leigh Agency has been helping people get insurance through every season of life for 33 years, and we continue to do so today. Here are just a few areas we can help with.


Renters Insurance

Moving out of your family home is certainly considered a life changing event. If you’re moving out to rent on your own or with friends, you’ll need renters insurance. At The Leigh Agency, we will get you covered and explain the process and why renter’s insurance is so important.

Homeowner’s Insurance

Buying your first home comes with a lot of responsibility – and a lot of pride, too! You want to keep your significant purchase safe, but as we all know, sometimes things are outside of our control. When the unexpected happens, the proper homeowner’s insurance policy can ensure that you’ll be monetarily covered. At The Leigh Agency, we know every home is different, and every family has different needs. So, our independent agents work with you directly to ensure you get the coverage you need. Additional life changing events, such as having a baby, may require you to increase your insurance coverage.

Any Other Insurance You Need

Whether you just purchased an expensive engagement ring for your fiancé, had a baby, or bought a new toy like a motorcycle – The Leigh Agency can help you. With over 33 years of experience as an independent agency, we can work on getting you the best coverage for a great price. For all your insurance needs, for today or tomorrow, give us a call.

Interesting Findings from the 2022 Agency Universe Study

According to the 2022 Agency Universe Study, there has been a rapid increase in independent insurance agencies. Even with the surge, the business conditions for agencies remain positive.


Key Findings Released

A collaboration of the Big “I” and leading independent agencies, Future One, has released some interesting findings. The findings come from the Agency Universe Study – one of the most comprehensive looks at independent agencies. “The 2022 Agency Universe Study shows the resiliency of the independent agency system as it continues to grow and adapt through the challenges of the last couple of years,” said Bob Rusbuldt, Big ‘I’ president & CEO. “It is amazing that during the pandemic, the independent agency system added nearly 4,000 new agencies. The study also offers insights into how agencies can better prepare themselves for the future. Staffing and marketing are issues for agencies, and the Big ‘I’ continues its support of independent agencies through resources, programs, and guidance to face these challenges head-on.”

The Seven Key Findings

Out of all of the data produced by this study, these seven were the most notable findings:

  1. The Number of Independent Agencies Has Increased
  2. Business Conditions Continue to be Positive
  3. Technology Has Become a Crucial Part of Operations and Customer Service
  4. Principle Aging Remains Stable
  5. Key Challenges Remain Being Able to Find Qualified Staff & Marketing
  6. Emerging Purchase Channels Are Impacting Agencies
  7. Inclusion is Gaining Ground

Overall, almost all of the study’s findings are good signs for the future of independent insurance agencies across the nation. We hope that it encourages companies to look beyond the big names they hear on television commercials and look to their local community instead.


For an independent insurance agency with 30 years of experience in your community, give The Leigh Agency a call today!

Monmouth County and New Jersey Have Changed Since We Started, But We Still Provide the Same Excellent Service

Leigh Agency was founded in Freehold in 1990. Although there have been a lot of changes in our town, county, and state over the last 30+ years – you can still count on us for all your insurance needs. We’ve watched the local area grow and have been lucky enough to help residents find quality insurance coverage along the way.


Independent Insurance Agents in Monmouth County, New Jersey

As Monmouth County and New Jersey have changed, so have the insurance needs of our clients. New residential areas have popped up over the years with new construction. More residents opened small businesses with the development of new strip malls and commercial spaces. Restoring beautiful downtown areas became more prevalent throughout the state, as buildings were renovated and new businesses moved in. More families from neighboring states moved to New Jersey as many of the schools were updated and revamped. The community grew and prospered, and we were so excited to be a part of it all.

Why You Should Shop for Insurance in Monmouth County, New Jersey with Leigh Agency

While a lot has changed around us over the years, our dedication to our customers has not. We are a Trusted Choice, independent agency that fully understands the insurance needs of local residents. You are never just a policy number to us – we remember your name and unique insurance needs. Since our agents are independent, they can shop around multiple insurance companies to find you the best policies and prices. We have been developing connections and relationships in the industry for decades. No one knows the insurance needs of New Jersey residents and businesses like us!


If you’re looking for a local insurance agency with decades of experience in New Jersey, then look no further! Give us a call today, and let us find the personal or business coverage you need.

The Benefits of Independent Agents Representing Many Insurance Companies

Purchasing new insurance policies can be overwhelming. There are so many insurance companies and so many options. How do you know you’re getting the best deal for the coverage you need? That’s where independent insurance agents come in.


What is an Independent Insurance Agent?

Instead of working for one large insurance company, an independent insurance agent has access to several companies. This allows them to shop around to get the best price for the policy you, your family, or your business may need. Furthermore, independent insurance agents have lots of knowledge and experience in their local areas. They have an in-depth understanding of the insurance needs of local community members.

The Benefits of Working with an Independent Insurance Agent

When shopping around for insurance policies, one insurance company can only give you a limited amount of options and pricing. However, an independent insurance agent can shop around with many different insurance companies. If you have complex needs, you’re more likely to find the best deal when several companies are at your disposal. Your independent insurance agent can check quotes for multiple policies from multiple companies at the same time, getting you the best price possible. A captive agent (one that only works with one insurance company) can only provide a lower price by reducing the amount of coverage.

Can you still bundle your insurance policies with an independent agent?

Bundling your insurance policies is a great way to save money on your coverage. But can you still bundle your insurance policies with an independent agent? Yes! Independent agents are still able to bundle your policies and save you money. In some cases, they can even bundle your policies if they’re through different companies.


Are you ready to work with an independent insurance agent to get the best deal on your policies? Give Leigh Agency a call today to begin the process.