SB One Insurance Agency provides insurance for homeowners and their families, whether you are just getting established in your very first starter home in Passaic County or you own a 30-room mansion in Somerset County. We understand that determining the right coverage involves far more than notes about your home’s square footage and appraised value. We ensure you receive the kind of in-depth review you deserve in order to gain an in-depth understanding of your property, taking into account factors such as the presence of a swimming pool, spa, tennis court, or trampoline; a guesthouse or other additional buildings; animals, especially certain types of dogs. Do you travel quite a bit, operate a home-based business, or have live-in or daytime domestic staff? Each of these factors has an associated risk that will affect how we build the right plan for you.
We can also obtain additional or enhanced coverage for you if you have items of high value, such as fine art, antiques or other collectibles, or expensive jewelry, because coverage for these items may not be sufficient under the standard homeowners policy. And because more and more clients want to ensure that any future construction they might do is environmentally responsible, there’s even a policy that enables you to rebuild using “green” technology in the event of a covered loss.
Liability is a major component of homeowners insurance, and the policy works hard to protect you from the expense of court costs and legal fees if you are deemed liable for causing injury to a person or damaging his or her property. Likewise, the liability portion of the policy is there to cover you should someone become injured on your property, or someone in your family—say your teenage son who should know better—causes damage to another’s property.