As an independent insurance agent working with an established portfolio of reliable, reputable insurers, Richland-Knowles Insurance Agency provides homeowners throughout New Jersey and New York with comprehensive insurance planning and consultations.
We have strong long-term relationships with established A-rated carriers whose financial strength and highly regarded product offerings, partnered with our guidance, allows us to provide our clients with the best customized insurance plans available.
Helping You Make the Right Choices.
- Do you have the appropriate coverage in place to replace your home and belongings in the unfortunate event of a fire or natural disaster?
- Are you covered for the theft of precious items, artwork and collectibles, property damage, or personal liability to cover accidental injuries?
- Is your current agent responsive to your needs? Do they keep in touch and suggest ways of saving money whether through bundling policies or taking proactive measures that reward you for securing your home and property?
Richland-Knowles Insurance Agency will work directly with you to understand your exposures and provide you with the foundational protection you need.
Our homeowners policy recommendations are backed by highly effective products that will satisfy your needs and specific risk scenarios.
Understanding Your Policy Decisions
Your policy represents a combination of options which contribute to the final cost. For example:
- Choosing your deductible – The higher the deductible you choose the lower your premium price. A higher deductible will help keep your premium costs down which can save you money out of pocket over the long haul.
- Choosing your coverage options – Every homeowner has specific needs with regards to risk protection, which is why working with an independent insurance agency like ours makes so much sense. We have access to multiple insurers so we can find the exact fit for your lifestyle.
- Concerned you aren’t completely covered? Ask us about an umbrella insurance policy which will expand your liability coverage to mitigate additional risk scenarios.
In the final analysis, the cost of insurance depends on your personal situation and the assets you want to protect. Richland-Knowles Insurance Agency can help walk you through the various protections so you have peace of mind and confidence that you are appropriately protected in the event of a claim.
- Protect Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a home fire or violent storm.
- Protect Yourself and other People
Personal Liability Coverage should be high enough to protect your assets if you are sued should someone get injured on your property or you are to blame for damage to a neighbor’s property.
- Covered Expenses
If a covered loss makes your home uninhabitable, your policy will pay for additional living expenses while your home is repaired or rebuilt.
- Protect Your Belongings
How well protected are your home’s contents? In a covered loss, Personal Property Insurance will pay to replace your valuables, electronics, clothes, etc. in the event they are lost, stolen, or destroyed.
- Protect Your Special Possessions
If you have special possessions such as fine jewelry, art, antiques, or other collectibles, talk to us about this additional level coverage for specific items that aren’t protected by your basic policy.
Contact Us for an Insurance Consultation. We Look Forward to Building a Relationship With You.
Call us at 908-273-7100 or email us at Information@RichlandKnowles.com.
