You’ve been told again and again that you should invest in some type of life insurance policy. Now that you’ve started shopping for a policy, though, you are feeling a bit overwhelmed because you don’t understand all of the life insurance lingo. That’s okay because here at Keller Insurance Services, we are here to simplify finding a policy that can best meet your needs. For now, let’s take a look at what it means to buy a whole or term life policy in West Deptford, NJ.

What does it mean to buy a term life policy?

When a person invests in a term life policy, this means the policy itself is only good for a specific number of years. A lot of term policies are good for 30 years or less. If the policyholder does not pass away during this period of time, then the policy ceases to exist and there is no cash value for the policyholder to take advantage of. And while this is a downside to a term life policy, it does have an upside — term life insurance is incredibly inexpensive when compared to most whole life insurance policies. 

What does it mean to buy a whole life policy?

When you invest in a whole life policy, this means you are buying a policy that does not cease to exist until you (the policyholder) passes away. And when you do pass away, the payout is passed down to your beneficiaries. Also, with a whole life policy, a cash value will build up throughout the life of the plan, meaning if you want to tap into the premiums you have invested, you can. Since a whole life policy is guaranteed to pay out, it tends to be quite expensive. 

If you would like to learn more about whole and term life insurance, please contact Keller Insurance Services serving the West Deptford, NJ area today. 

Motorcycle insurance is a necessity if you want to enjoy taking your bike out on the roads. However, there are a lot of things you can do to minimize the costs of motorcycle insurance while also making it safer for you to the rider.

The following are four motorcycle safety tips that could make your insurance cheaper:

Take an educational rider training course

You may be able to enroll in a training course run by an area organization or your DMV to take advantage of safe driver discounts. This is an especially good idea if you’re a rookie rider. 

Buy a bike that’s appropriate for your skills and experience

A lot of riders go overboard when they purchase their bikes. Your insurer is going to look at the bike model you purchase when evaluating how much your insurance premiums are going to cost. It’s generally going to cost more to ensure more expensive motorcycles and motorcycles that offer more power.

These days, motorcycles with smaller displacement engines are often just as fast and powerful as older models with larger engines. Purchase an efficient model rather than an excessively heavy and powerful model to keep insurance costs down.

Have antilock brakes

Motorcycle models are often built with antilock brakes these days. Many motorcycle insurance providers will offer discounts on premiums to riders who have bikes with antilock brakes. Consider getting such a model to take advantage of the discount. 

Make sure you maintain a "preferred operator" status

A preferred operator is a biker who has a clean driving history. Over time, you can build up to preferred operator status to minimize your premium costs. 

Those residing in the West Deptford, NJ area can contact Keller Insurance Services to learn more about motorcycle insurance policies. 

When it comes to flood insurance, there can be a lot of questions and misconceptions. Among those is the idea that this type of insurance is automatically included in standard home insurance policies. These policies include a lot of different types of coverage, but flood coverage isn’t one of those types. Instead, if you need or want flood insurance to protect your West Deptford, NJ home you’ll want to work with Keller Insurance Services to get the specific coverage you need. Some homes will require a flood policy if they are in a flood plain and there is a mortgage.

For houses that aren’t in a floodplain, or those that are paid for and there is no mortgage present, flood insurance isn’t required. However, some homeowners still want to have this coverage. Anywhere it can rain, it can flood, so homeowners who want strong protection for their home will often keep a flood insurance policy on that home. That’s especially important if they have a house in the floodplain and less of a concern for homes on higher ground. By working with a good agent, it’s easier to make a decision as to whether a flood insurance policy is really needed for your home.

Keller Insurance Services can help with your West Deptford, NJ flood insurance needs. Whether you want to get a policy, make changes to an existing one, or just ask questions, knowledgeable agents can advise you on the types of options you have for your situation. That way you can decide what type and level of coverage you want, and can focus on the peace of mind that having the right insurance will bring you. It’s an excellent way to have your home financially protected and to ensure that you have a trusted company behind you.

Motorcycle Insurance Rules in West Deptford, NJ

As a motorcycle owner, most states, including NJ- require that the rider have a liability motorcycle insurance policy. Minimum liability insurance will be the same amount required by your state’s car insurance minimum requirements. NJ motorcycle insurance laws are more stringent than other states. Not only are motorcycle drivers required to have minimum liability insurance, motorists must have underinsured and uninsured motorist coverage as well. If you are in West Deptford, NJ and seeking some information on motorcycle insurance, Keller Insurance Services serves your area and is knowledgeable and experienced about motorcycle insurance.

Is a Minimum Liability Motorcycle Insurance Policy Enough?

Motorcycle insurance is a necessary protection for the driver of the vehicle as well as anyone that may become hurt from a collision. While having minimum coverage meets the legal requirements, this coverage is usually not enough. Minimum limits often are unable to cover the legal costs- yet alone judgments and claims- if you are sued. Having additional liability insurance for your motorcycle insurance policy is a wise investment.

General motorcycle insurance policies can be customized, so it’s important to look at what you need for your bike to assure you’re fully covered. Think about how frequently you use it and how large or small your bike is. Comprehensive coverage will cover damage or loss that isn’t incurred because of a collision with another vehicle- like weather damage, theft, damage from hitting an animal on the road, etc. Full replacement coverage will ensure that your bike is replaced if it is totaled. If you’ve made significant enhancements to your bike, you will certainly want additional coverage so that if your bike is damaged, you will recoup the full value- including the advancements made.

Our agents at Keller Insurance Services can help you figure out the right motorcycle insurance policy for you. Contact us today to learn more. 

Boating in the West Deptford, NJ area is great summer fun.  Whether you’re new to boating or an experienced boater, it’s always a good idea to review the basic boating safety rules before your next boat trip.

1. Check the local weather conditions before your trip and watch the weather for sudden changes that can create unsafe conditions.
2. Create a pre-departure checklist that includes safety equipment and essential supplies to keep these from being overlooked at the last minute.
3. Have a boating plan and share it with a friend or family member or the marina staff.  Someone should know where you’re planning to go and how long you expect to be gone, as well as the type of communication and signal equipment you have onboard.
4. Use lifejackets properly.  The majority of drowning victims from boating were not wearing a lifejacket.  Don’t become a statistic!  Make sure everyone has a lifejacket that fits properly and wears them.
5. Avoid using alcohol while boating.  Not only can it cause accidents by poor judgment, but it can also lead to health problems caused by the combination of alcohol, sun, and wind.  This can lead to dehydration, sunstroke, or worse.
6. Always have another person on the boat that is familiar with how your boat operates and handles.  If the primary navigator is unable to manage the boat, everyone can stay safe to get back to shore.
7. If you are new to boating or do not know how to swim, consider taking a class.  Being able to swim can help keep you safe and learning boat operations and safety will keep you and everyone safe.

Keller Insurance Services

Keller Insurance Services provides insurance in the West Deptford, NJ area.  Contact a friendly and experienced Keller Insurance Services agent today for help exploring your boat insurance needs.

• Motorcycle Liability Insurance. This type of coverage is required by law in New Jersey. It covers the damages and body injuries caused by the rider to a third party. Motorcycle insurance liability doesn’t cover the rider.
• Medical Payments. This type of coverage pays for the medical expenses in the event of an accident that results in bodily injuries for the rider or the passenger regardless of who’s at fault. 
• Collision and Comprehensive. The collision part of the coverage will pay for any damages to the motorcycle after an accident — if you hit another car or an object. Comprehensive coverage covers the cost of replacing the motorcycle in the case of theft or damage by fire or natural disasters.

All people take on a certain amount of responsibility and liability on a daily basis.  For many people, the amount of liability coverage that is included in their home or auto policies is often enough to provide sufficient liability protection.  However, for some in the West Deptford, NJ area, having additional liability insurance coverage would be very beneficial.  There are several reasons why someone should get an umbrella insurance policy.  

Significant Assets

One reason why people in the West Deptford, NJ area should get an umbrella insurance policy is that they may have a significant amount of personal assets.  If you have a lot of assets that could be lost in a lawsuit, you could be a target for unfair or unjustified legal attempts.  When you have an umbrella insurance policy in place it will provide you with the protection you need in the event you are sued and found liable for an accident.  

You Need Additional Coverage

Another reason why someone should get umbrella insurance is if they need additional types of coverage.  The majority of situations that result in liability claims are covered under auto or home policies.  However, there are some situations that are not.  For example, if you are sued for slander or libel, you could be faced with a serious liability claim that is not covered by your base policy.  When you have an umbrella policy in place, you will receive coverage for these situations.

If you are in need of additional liability insurance protection, you should reach out to Keller Insurance Services to start the process of getting a new umbrella insurance policy in place.  Keller Insurance Services will be able to help you better understand your insurance coverage needs and get you an umbrella policy that provides you with necessary protection.  

The first step when purchasing health insurance coverage is ensuring that you get the ideal coverage to protect your entire family and ensure it suits your stage of life. No matter the size of your family, Keller Insurance Services has you covered. We have the ideal health insurance coverage for each family size, and we can help West Deptford, NJ residents determine which policy will work best for you after listening to your specific family needs.

Does family size affect your health insurance?

The size of your family does not always determine what you spend on your bills. A healthy family of ten people could pay less than a young family of 3 people with chronic health conditions. However, when it comes to health insurance premiums, the number of people in your family affects how you pay.

How are premiums affected?

When you add a spouse or a child in your health insurance plan, it goes without saying that the premiums paid will go up. This is because you have to pay charges for each person included in the plan. However, the age of the children matters too. For example, if you have two children who are over 21 years and they are included in the plan, you will be required to pay charges for each child unlike a person without any child over 21 years.

Individual health plan versus family health insurance plan

An individual insurance plan means that the policy protects only a single person while family plan includes two or more family members. Also, when it comes to deductibles, a family plan’s deductible is twice that of an individual.

The bottom line is, although family size does not affect the cost of hospital bills, it has effects on the premiums paid for your plan. To understand more on the impact of family size on health insurance in West Deptford, NJ, contact Keller Insurance Services and let us educate more on the same and help you choose the right policy for your family.