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.
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 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 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 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 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.
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.