Halloween Safety Tips for the Whole Family

With Halloween quickly approaching, it is a good time to talk about some  Halloween safety tips that your family should be aware of for your night out.

Be aware of traffic

You want to make sure your kids are extra aware of traffic. Be sure they are looking both ways and are crossing at intersections or traffic signals.

Make sure costumes fit properly

Having a properly fitting costume is also important to your child’s safety. Make sure there are no loose hanging strings or fabric that can get caught on something. You also want to make sure they can see clearly through their mask.

Have a flashlight

Be sure that either you or your children have flashlights or glow-sticks so others can see them as it gets dark out.

Stay in familiar areas

When you are figuring out where you want your kids to go trick-or-treating, make sure it is in a familiar area. It is important that everyone—parents, and kids—know where they are.

Drive safely

For people who may be in their car on Halloween night, be sure to drive cautiously. Go slow and check crosswalks and intersections for anyone who may be crossing.

halloween safety tips

We hope everyone has a great and safe Halloween!

Looking for insurance in the Westwood, NJ area?

If you need personal or business insurance, be sure to request a quote from Johl & Company.

Home Insurance | What to Look for When Buying a Home

Purchasing a home is an exciting moment in your life. It is important that you like your home and the surrounding area, but many people do not look at some of the smaller details of a home that can lead to expensive repairs.


When you are looking around a home, be sure to check the pipes in rooms like the kitchen and bathrooms. You want to make sure there are no leaks or signs of leaks.


Check the insulation of the home and make sure that it is properly installed. Insulation that is not properly installed can raise heating and cooling bills.


The neighborhood you live in is important. You may like a house but if you do not like the neighborhood, you will want to look other places.

Storage Space

Your home should have enough storage space for your belongings. Check the closets, cabinets, and attic to make sure there is enough room for everything.

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Home Inspection

A crucial part of any home buying process is getting a home inspection. You want to be sure that the home is properly inspected and you are made aware of any issues before you sign papers.

Home Insurance

Once you have your dream home, protect your investment and belongings with home insurance.

Do you need home insurance?

Finding the right home insurance policy is important, and, at Johl & Company, we can make sure the coverage you get protects everything it should. Contact us today to receive a quote.

Cyber Security Awareness Month: Protecting Your Online Information

In our last blog, we said goodbye to September through discussing how you can protect your home from water damage. But as October is National Cyber Security Awareness Month, we only find it fitting that we offer you some advice on how you can stay safe online.


When new updates are available for your computer, phone or tablet it is important to update those devices. Many people ignore them, but many updates include security features that are needed to further secure your devices from security threats.


It is important to keep backups of all of the important documents you have on your computer. This can be through a hard drive or backup storage units. If something happens to your computer, you want to be sure you have all the important information stored in a secondary place so that it can be transferred to another computer.

Log out of accounts on public computers

If you are ever using a computer that others may use or have access to, you want to be sure that you log out of any sites or programs before you leave. On public computers, you should never select the “save my password” option.

Don’t put everything on social media

Many criminals are turning to social media to find out about a person’s life. It is important to review the security settings to make sure that only certain people can see your profile. It is best to never share information such as your phone number, address, or email.

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Don’t use the same password for everything

It may be convenient, but having the same password for all of your accounts is a very bad idea. If someone figures out your password they now have access to all of your online accounts, which could include banking and tax sites. Be sure to make a list of the different accounts you have along with the username and password.


Do you need insurance in Westwood, NJ?

Did you know our team offers cyber data breach coverage? Be sure to contact us to learn more about how we can help protect your business in the event important online information is released or stolen.

To protect all of your “offline” valuables, insurance is the best way to do this. Johl & Company offers home, car, life and other personal insurance coverage.

Feel free to request a quote from us!

Protecting Your Home from Water Damage

Did you know September is National Preparedness Month? If you have not had a chance to view our hurricane preparedness blog, click here. This week, we would like to help homeowners protect their home from water damage.

Heavy rain is not the only thing that can damage your home. Leaks, clogs, and cracks can all lead to potential water damage.

Test the Sump Pump

Your sump pump should be checked every year. You want to make sure that it is properly removing water, which can be easily tested. Take some water and fill the pit; you want to watch and make sure the pump turns on and begins draining the water. If your sump pump is not draining water, this can lead to overflowing and flooding during heavy storms.

Check the Gutters

Gutters are easily blocked and if the water can not flow through properly, the water can fall down the side of your home and damage your home’s siding.

Fix Noticeable Leaks

If you see any cracks in the pipes around your home, water spots under pipes or any dripping, you want to be sure these issues are fixed. For cracks, caulking can usually fix them. Be sure to make sure the crack is completely sealed and is not causing any leaks. For dripping or water spots, make sure the pipes are secured and there are no “weak” spots where water could slip through. You could also call a professional plumber to visit your home so they can fix any leaks or drips.

You want to make sure any leaks are properly secured. Rotting, along with mold, can occur if water continues to leak in a certain area.

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Don’t Forget Home Insurance

Sometimes, damages are out of your control. Most homeowners insurance policies cover damage from water if it is sudden and accidental. Homeowners insurance can vary from person to person and it is important to speak with an insurance agent to help you find the best policy.

Water can cause major issues to your home and damage your possessions. By taking these precautions you can help ease your mind, knowing you are well protected.

Interested in homeowners insurance?

Homeowners insurance covers many things including fire, theft, hail, and wind. Each policy is different and, to find the best coverage for your situation, it is important to speak with an insurance agent. To receive a quote, click here or feel free to contact us.

What to Do in the Event of a Hurricane

As we have seen over the past couple weeks, the damage from hurricanes can be devastating. For people who live in areas that can be affected by hurricanes, it is important to know what to do and it is never too early to prepare for the chances you may be affected.

Tips to prepare yourself and family

To begin, you want to make sure you arrange a place to go if the hurricane is too dangerous for you to stay at home. If your city has issued an evacuation, it is important to try and find somewhere else to stay for your safety and that of your family.

You always want to make sure you have forms of communicating with friends and family. This can be through hand-held radios or emergency cell phones. Along with communication, it is crucial to keep supplies such as water, nonperishable food, flashlights, batteries, medical supplies, and cash.

Keep a list of emergency contacts and numbers. This could include family, friends, local police and fire, plumbers, electricians, and any hospitals in the area.


Tips to prepare your home

Remove any loose debris from around your yard and anchor down anything that is at risk of being damaged or causing damage.

Keep plenty of mops, sandbags, and brooms at your home in case of flooding.

Inspect your roof, doors, and windows. Your roof should not have any loose shingles or tiles, and, if there are, you need to replace them. You will also want to make sure your windows and doors are secured and that there are no areas where water can leak through.

You may also want to add plywood to the outside of your windows to protect them from the wind and rain.

It is important to remember that these are only some of the safety precautions you should take in the event of a hurricane. For an in-depth list of actions, we recommend saving this hurricane action plan. 

If you are interested in receiving a quote for personal or business insurance, be sure to click here.