Personal Insurance

Johl & Company has served the business and personal insurance needs of New Jersey residents since 1963. As an independent insurance agency, offer our friends and neighbors throughout the state a wide range of insurance products so that you can get the best possible combination of products to meet your needs.

When it comes to personal insurance products, our robust offering makes us a versatile firm to work with. This is good, because you need an insurance agency that understands you are a unique individual with very specific insurance coverage needs.

We don’t sell cookie cutter policies and we’re not interesting in convincing you to purchase insurance products you don’t really need. These are a few options available through our line of personal insurance products.

Homeowners Insurance

Our basic homeowner’s policies offer essential coverage for the structure of your home, the contents of your home, and general liability coverage if someone happens to become injured while visiting you on your property, is passing through your property and becomes injured, or is injured by your property somehow. We’ll work with you to help you determine the right amount of coverage to best protect your investment in your home and the possessions contained within it.

Auto Insurance

Auto insurance can be a complex investment for New Jersey drivers. Aside from the minimum legal requirements, there are different requirements for auto lenders and to protect your interests best. With so many options available, it can be a little confusing. Johl & Company will help you understand the following auto insurance related terms and how they relate to you as a driver:

  • Collision Coverage
  • Comprehensive Coverage
  • Auto Liability
  • Uninsured Motorist
  • Underinsured Motorist
  • Personal Injury Protection (PIP)
  • Medical Payments

Once you understand what these terms mean for drivers in New Jersey, you’ll be better prepared to make informed decisions about your auto coverage.

Renters Insurance

Renters need insurance just like homeowners do. You’ve invested a great deal in your possessions over the years. Needing to replace them all at once would be a certain hardship for you. But that’s not all renters insurance does for you. It also offers you protection from liability issues if someone is injured or their property is damaged while on your property or as a result of your actions or your property.

Flood Insurance

Flood insurance is generally available through the National Flood Insurance Program. New Jersey residents have learned, particularly over the last few years,that it may be in their best interests to consider other options for flood coverage. Johl & Company will help you determine whether the NFIP is the better choice for your flood insurance coverage or if you may be better served through a private insurer.

Life Insurance

Life insurance remains one of the most difficult insurance purchases for people to make. Our agents understand how difficult the decision is and what it means for your family. We’ll offer compassionate counsel regarding the type of insurance you need as well as the amount of insurance you’ll need to accomplish your goals for your family.

Umbrella Insurance

Liability coverage is something New Jersey residents simply can’t afford to live without. The world we live in grows increasingly litigious and liability insurance is your first line of defense against financial ruin in the aftermath of a lawsuit. Once the limits of your liability coverage are surpassed, though, umbrella liability coverage, offers another layer of liability protection.

Johl & Company with locations in Garfield and Westwood, offers a nice selection of insurance options to meet your needs for all these personal lines of insurance and more. Call 877-774-7382 today to learn more about your options and how we can help or to get a free rate quote.

Talk to Us! Let us know how we can help

Contact us today for a free quote for both personal and business coverage.

What Our Clients Say

  • reviews

    I would like to start by saying my experience with your agency has been amazing. I have been a customer for a few years. When I first stepped foot in your office I was close to loosing my car insurance coverage with my old provider, some places were turning me away and I was receiving high quotes from other companies. Your agency was the only one that took their time with explaining my options and providing the best insurance coverage that suits my needs. Your knowledge in this field helped to educate me with my decisions.

    – Yadira B, Garfield, NJ

  • reviews

    Just a few words of appreciation. The Kozma/Johl Insurance agency have insured my home and automobiles etc. for the past fifty years, during this period I had a few problems which were resolved without incident. The agencies associates were very professional in resolving these claims and I was more than satisfied with the results.
    Furthermore I will recommend the agencies services to my family and friends without reservation. Once again thank you

    – Carl H., Elmwood Pk, NJ

  • reviews

    Two years ago, I needed insurance for my newly purchased condo. When I reached out to my good friend Drew Stolz for advice, he not only assisted but was also able to get me car insurance, bundled with the condo policy for a cheaper price! He immediately found an affordable plan and explained all the details in ways I could understand. Every year on the annual date, he looks to find the best coverage plan and also one that is the most affordable. I am so grateful for Drew’s assistance.

    – Kim L., Granby, CT

  • reviews

    I have been a customer of Johl & Co for many years, both for my business and personal insurance. Over the entire time, I have been treated with best in class service along with competitive rates. Everyone at Johl that I have dealt with over the years has always been able to address any question, claim or concern in the most prompt professional manner. I would strongly recommend Johl & Co. to anyone for all their insurance needs.

    – Bob K., Englewood Cliffs

  • reviews

    As far as the John Johl Company, I have been a customer for I want to say like 22 plus years. I have been more than satisfied not only with the coverage , but with the service as well. You are there when I need you and you take the extra step to ensure the best coverage and the best options for Kathy & my peace of mind.
    Geiko , Progressive who ??? I Always refer you…..

    – Mark N., Lyndhurst, NJ