Insurance Answers and Info

Commercial Insurance: what is a BOP policy?

Duane Myers (M&C Insurance Agency 856-486-0077) — Sat, 17 Apr 2010 07:21:35 -0700

BOP (Business Owners Package) Business Owners Package policy, commonly called a "BOP" contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers' compensation, professional liability, or business vehicle coverage. Business Owners Package Insurance Quote www.MandCinsurance.com

Why should I consider purchasing an annuity?

Duane Myers (M&C Insurance Agency 856-486-0077) — Mon, 22 Mar 2010 16:03:04 -0700

Annuities can serve many useful purposes.If you are in a saving-money stage of life, a deferred annuity can: Help you meet your retirement income goals. Employer-sponsored plans such as a 401(k), 403(b) or Keogh are an important part of planning for retirement. However, contributions to these plans and to IRAs are limited, and they might not add up to enough for the retirement income you need, especially if you started saving for retirement late or had contributions interrupted—perhaps due to job changes and/or family responsibilities. Moreover, your social security and defined-benefit pension (if you have one) may provide less than you need to retire. Remember that the purchasing power of defined-benefit pension income is eroded by inflation. Help you diversify your investment portfolio. Investment experts routinely advise that, to get the best return for a given level of risk, you should diversify your investments among a number of asset classes. Fixed annuities, in particular, offer a unique asset class—an investment that is guaranteed not to decrease and that will actually increase at a specified interest rate (and, often, potentially more). The guarantees are supported by the claims-paying ability of the insurer. Help you manage your investment portfolio. Investment experts routinely advise that, whenever your investments in various asset classes get too far from the percentage allocations you prefer, you “rebalance” to the original formulation, by shifting funds from the classes that have grown faster to the ones that have grown more slowly. If you do this with mutual funds, you pay capital gains taxes; if you do it in a variable annuity, you don’t pay capital gains taxes. When you eventually withdraw money from the annuity (which could be many years after the rebalancing), you pay tax then at the ordinary income rate. If you are in a need-income stage of life, an immediate annuity can: Help protect you against outliving your assets. Social security pays retirement income for as long as you live, as do defined-benefit pension plans. But the only other source of income available that continues indefinitely is an immediate annuity. Help protect your assets from creditors. Generally the most that creditors can access is the payments from an immediate annuity as they’re made, since the money you gave the insurance company now belongs to the company. Some state statutes and court decisions also protect some or all of the payments from those annuities. Visit us on the web at : WWW.MANDCINSURANCE.com

Q: What are the differences among the major types of insurers in the United States?

Duane Myers (M&C Insurance Agency 856-486-0077) — Mon, 15 Feb 2010 16:28:43 -0800

The insurance industry is typified by insurers with a number of different organizational forms. Here are some Cliff's notes to help you keep it all straight! Stock insurers are corporations owned by the shareholders of the firm. The shareholders hire managers to run the company and the insurance product is sold to customers who may or may not be shareholders in the firm. Mutual insurers are companies which are owned by their customers. Any policyowner of the company also owns a portion of the company. Reciprocal insurers or reciprocal exchanges are insurance companies where the policyowners of the exchange agree to insure one another. They are very similar to mutual companies. Lloyd's associations are insurance companies where the manager who makes the decisions for the firm also has his/her own personal wealth at stake in the firm. Blue Cross/Blue Shield insurers are typically nonprofit (some may now be for profit), community oriented health insurance providers. Blue Cross/Blue Shield companies typically offer traditional indemnity health insurance. HMO's or Health Maintenance Organizations are companies which provide comprehensive health care coverage to their customers. HMOs, in their simplest form, provide prepaid health care coverage. Once you pay your premium you can use the services of the HMO at little or no further cost to you. If you have insurance questions, don't hesitate to call me at 856-486-0077. OR visit our website: www.MandCinsurance.com

South Jersey continues to help Haiti

Duane Myers (M&C Insurance Agency 856-486-0077) — Thu, 21 Jan 2010 07:28:06 -0800

Here is a great article from the courier post, Click here to read more

Auto Insurance - Are you covered?

Duane Myers (M&C Insurance Agency 856-486-0077) — Thu, 21 Jan 2010 05:56:39 -0800

This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states. The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state. Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident. Free Instant Auto Quote M&C Insurance Agency 856-486-0077

Auto Insurance - Are you covered?

Duane Myers (M&C Insurance Agency 856-486-0077) — Thu, 21 Jan 2010 05:55:13 -0800

How Can I Insure My Home-Based Business?

Duane Myers (M&C Insurance Agency 856-486-0077) — Mon, 28 Sep 2009 19:01:28 -0700

Let's face it. Launching and running a business takes capital, motivation and yes, even physical stamina to handle the stress and demands of a new or growing venture. And it's risky. In fact, one out of every five businesses fails within the first five years of opening. Handling inventory, scheduling time, purchasing supplies, handling payroll -- there are a myriad of procedures every home or small business entrepreneur needs to know, but one of the most critical and often neglected is buying proper insurance coverage. Taking Your Business Inventory What would happen if a fire or other disaster destroyed your property, making it impossible for you to get back to business right away? Would you remember what property had been destroyed? One way is by taking a complete inventory of all your personal business property, determining its value, and deciding what's worth insuring. Having an up-to-date business inventory will help you get your insurance claim settled faster, verify losses for your business' income tax return and help you purchase the correct amount of insurance. Start by making a list of personal business property, describing each item and noting where you bought it and its make and model. Clip to your list any sales, purchase contracts, and appraisals you have. What's the Right Coverage for You? Then there's the question of what types of coverages you'll need. Aside from personal business property, there is liability insurance, business income, insurance for the building, boiler and machinery, human failure, employee protection and management protection, among others. The type of coverage you need depends on a number of factors including what kind of business you operate. How to Keep Costs Down Start your search for a policy with trade associations or business groups. In many cases, these organizations are able to provide reduced insurance rates based on the volume of business they can offer the insurance company. They've also negotiated coverage specific to your type of business, which can save you significant time in determining what you should cover. Also make sure that you are working with an agent that understands your type of business. www.MandCinsurance.com Serving, New Jersey, Pennsylvania and Delaware

Insuring Sports & Recreation Vehicles In NJ, PA and Delaware

Duane Myers (M&C Insurance Agency 856-486-0077) — Mon, 28 Sep 2009 18:40:33 -0700

Boats, jet skis, ATVs and recreational vehicles are exciting modes of transportation. They provide a great means of escape on weekends and vacations, but ownership of these comes with some risks. While all recreational-type vehicles can be protected by the same basic coverages, each one has its own special requirements and restrictions. Basic Coverages At a minimum, boats, jet skis, ATVs and recreational vehicles need "liability" and "comprehensive" insurance coverage. Liability protects you if your vehicle injures someone or damages someone else's property, and comprehensive insurance protects your property in case of vandalism, damage or destruction caused by theft or fire. Depending on the age and value of your investment, you may want to purchase collision insurance, which provides coverage for damage you cause to your own property. Boats The amount you pay for your boat insurance will depend on many factors including the boat's value and the value of your boating equipment, the engine's horsepower and whether it's inboard or outboard, and the length of the boat. You may purchase additional coverages for such things as such as Fuel and Other Spillage Liability, your boat trailer, medical payments, personal effects and liability to protect you from an uninsured boater. You may be eligible to receive lower rates if you hold a captain's license or have completed safety courses provided by the U.S. Coast Guard Auxiliary or Power Squadron Courses. You may also receive discounts for having safety equipment on board or providing protective storage for your boat during non-use or off-season. Jet Skis The price of insuring a jet ski varies depending on its engine power and value. Your insurance costs will typically be higher for a jet ski with more than 500 cc. You also may obtain insurance to protect your trailer or to pay you for medical payments if you're in an accident. Recreational Vehicles You may want to purchase an auto insurance policy to cover this type of vehicle. This policy will provide you with liability, medical payments and physical damage coverage for your motorhome and can be endorsed to include coverage for rental to others. Other coverages you may want to consider are: Replacement Cost/Purchase Price - In the event of a total loss, you will receive a new unit equal to the model, class, body type and equipment of your previous one. You will be compensated for the actual purchase price of the vehicle. Personal Effects - Your valuables (clothing, jewelry, etc.) may be covered against most hazards. Other coverages you may want to discuss with your insurance agent are Towing and Labor or Emergency Expense Allocation insurance. Special rates may apply if you are more than 45 years old and have a good driving record. A Final Note All recreational-type vehicles can be protected by the same basic policy. We can provide you with more details about this special insurance and guide you in purchasing the best coverage to maximize your enjoyment and meet the insurance needs for your recreation equipment. www.MandCinsurance.com Serving, New Jersey, Pennsylvania and Delaware

Taking Inventory of Your NJ, PA or Delaware Home

Duane Myers (M&C Insurance Agency 856-486-0077) — Mon, 21 Sep 2009 18:40:04 -0700

No one plans to lose their valuables and other belongings in a burglary, a fire or a natural disaster. If one of these unfortunate events destroyed your home, would you be able to report exactly what you lost to the police, to the Internal Revenue Service or to your independent insurance agent? Start Today Write down any valuable items with their serial numbers (usually found on the bottom or back of major appliances) along with the method of acquisition (purchased, inherited or received as a gift), date purchased and price or approximate value. Attach receipts, if possible. Remember to include furniture, appliances, carpeting, jewelry, artwork, toys and the contents of your closets, cabinets and drawers. Contact your independent insurance agent with questions or concerns. Play It Safe With A Videotape Videotaping each room of your house can make taking inventories easier. Photographs and a tape recorder can substitute for a video camera. A complete video inventory should contain verbal descriptions of major assets as well as their value. Remember your garage, attic, basement and the exterior of the house, plus your landscaping and fencing. If possible, make it a family project by having everyone take turns describing the objects in your home. Store the video or photographs along with this inventory in a safe-deposit box and send a copy to a friend or relative. Don't Forget Important Documents Extremely important documents should be photocopied. Keep one copy in your home and the original, where possible, in a safe-deposit box. Important items include, but are not limited to, the following: House - Escrow, title, deed, insurance policy. Personal - Birth certificates, medical history, passports, insurance certificates, credit card numbers, will. Automobile - Certificates of ownership, finance contracts, registrations, insurance policy, driver's licenses. Finance - Account numbers for checking and savings accounts, CDs, stocks, bonds, other significant investments. Tax - Copies of the first two pages of your state and federal returns for the past five years. Complete returns with appropriate receipts and canceled checks should be kept in a separate file box. A Final Note Most policies limit the amount of reimbursement for theft of valuable items, such as jewelry, furs, silverware and guns. If you have some particularly valuable items in these categories, you may need to purchase additional coverage called a "floater." These types of policies cover each item individually and are usually quite inexpensive. This information will only be beneficial if you make use of it now. By inventorying your personal possessions ahead of time, you will save yourself from frustration should disaster strike. Your independent insurance agent can help you determine whether your property is adequately protected. "Honesty Is Our Best Policy" Serving New Jersey, Pennsylvania and Delaware www.MandCinsurance.com

Flood Disaster Tips: Be Prepared, Stay Safe

Duane Myers (M&C Insurance Agency 856-486-0077) — Mon, 21 Sep 2009 18:29:27 -0700

Did you know... Floods and flash floods are the most common natural disaster, occurring in all 50 states. Floods cause devastating damage to buildings and personal belongings. One in three flood insurance claims are generated outside areas considered "flood-prone." Homeowners insurance does not cover flood damage. Before a flood: Make a written, photographic and/or videotaped inventory of household possessions and property, and store it in a safe place (e.g., a relative's home or safe deposit box) with insurance policies, documents and other valuables. Take a first aid class from your local American Red Cross chapter. Assemble a disaster supplies kit that includes a first aid kit, canned food, non-electric can opener; bottled water (emergency managers recommend 3 gallons per person), rubber boots, rubber gloves, battery-powered radio, flashlight and extra batteries. Identify evacuation locations. During a flood: When a warning is issued, listen to local radio and TV stations for information. When a watch is issued, move furniture and valuables to higher floors of your home. Abandon your car if stalled in rapidly rising waters and climb to higher ground. Do not drive into any large puddles or into water that seems to be moving rapidly. After a flood: Call your insurance agent as soon as possible to see if you need to file a claim. Make temporary repairs to prevent further damage. Keep all receipts. Delay permanent repairs until your insurer approves reimbursement. Get any necessary construction permits from your community. Prepare an inventory of all damaged or destroyed personal property. Take photos of damaged areas. Save remnants of damaged or destroyed property for your insurance company adjuster. Meet with your adjuster before signing anything with contractors, lawyers or public adjuster. Let your car dry out before trying to start it. Protecting yourself is easy! Flood insurance picks up where your homeowners insurance leaves off. It is not expensive, especially when compared with the monthly payments for disaster loans, and it's easy to get - just call your insurance agent. What to ask your insurance agent? Do I have flood insurance? How much flood insurance should I purchase? How much contents coverage should I purchase? Should I consider a three-year policy to reduce my premiums? Do I qualify for a preferred risk policy? Can I finance my premiums? "Honesty Is Our Best Policy" www.MandCinsurance.com

What is Employment Practices Liability (EPLI) Insurance?

Duane Myers (M&C Insurance Agency 856-486-0077) — Sun, 30 Aug 2009 14:24:47 -0700

Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect you against claims from your employees that result from the general conduct of your business. Common examples of employee related claims include claims relating to: Discrimination Wrongful Discharge Sexual Harassment Hostile Working Environment Wrongful Termination Lack of Advancement Make sure your business is properly covered, Check with your Insurance provider to discuss EPLI in further detail and tailor a custom policy for your needs. www.MandCinsuranceAgency.com

Technology Insurance

Duane Myers (M&C Insurance Agency 856-486-0077) — Mon, 24 Aug 2009 13:08:23 -0700

Many companies in New Jersey, Pennsylvania and Delaware are unaware that their current business and insurance policies most likely do not cover them for all of their technology-related risks. Our technology insurance portfolio offers coverage options tailored to fit your company's unique needs. In today's technology-driven world, companies face a number of dynamic exposures. Whether it is faulty software, inappropriate advice, misconfigured firewalls or inadequate anti-virus software, hardware failure - companies are increasingly at risk. Claims are growing rapidly, leaving companies liable for expensive lawsuits. Call today today to see if we can tailor a solution to fit your needs. M&C Insurance Agency, Serving NJ,PA and Delaware 856-486-0077 www.MandCinsurance.com

Special Event Insurance

Duane Myers (M&C Insurance Agency 856-486-0077) — Mon, 24 Aug 2009 12:47:13 -0700

Whether you are planning a corporate event, holding a large rock concert, or organizing a local flower festival, you will need special event insurance to ensure that you are covered for unexpected occurrences that may spoil the success you and your company may receive when the big day arrives. When Planning an event, check with your insurance agent to see if you need coverage for your event. www.MandCinsurance.com Serving NJ, PA and DE

Mortgage Protection

Duane Myers (M&C Insurance Agency 856-486-0077) — Wed, 19 Aug 2009 08:27:13 -0700

For most homeowners, the mortgage is the single largest source of personal debt. Mortgage protection insurance is a specialized life insurance policy designed to pay off that debt in the event of your death. Imagine the worst case scenario. A fatal accident today would force your loved ones to immediately experience financial hardship. On top of your final expenses, the mortgage is due, but your family has no way to pay it without your income. They haven't even had enough time to grieve and now they have to deal with the impending tragedy of foreclosure. Like most life insurance, mortgage protection insurance eases the financial burden of your loved ones. It is an affordable way of ensuring that your home is paid for no matter the circumstances. Cancer, stroke, heart attack, injury, death… your family will never be in jeopardy of losing its home as long as you put a custom mortgage protection insurance plan in place. www.MandCinsurance.com

What is a BOP policy? How can it help my business?

Duane Myers (M&C Insurance Agency 856-486-0077) — Wed, 19 Aug 2009 07:01:42 -0700

Business Owners Package policy, commonly called a "BOP" contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers' compensation, professional liability, or business vehicle coverage. Business Owners Package Insurance Quote

Make sure Your Most Prized Posessions are Covered

Duane Myers (M&C Insurance Agency 856-486-0077) — Sat, 15 Aug 2009 14:43:10 -0700

Some your possessions may be more valuable than you realize. Most homeowners policies offer limited coverage for personal articles such as jewelry, cameras, golf equipment, fine art and collectibles, and computer equipment. Check with your provider to be sure you have the right level of coverage. A variety of property may be covered by valuable items coverage.

Artwork Baseball cards Books Coins Computer equipment Firearms Furs

Golf equipment Jewelry Memorabilia Musical instruments Oriental rugs Silverware Stamps

www.MandCinsurance.com

Is my Condo fully covered by my associations policy?

Duane Myers (M&C Insurance Agency 856-486-0077) — Tue, 11 Aug 2009 13:30:11 -0700

Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage. In addition to coverage for your floors, walls, cabinets and fixtures that your association's insurance probably will not cover. Every association's insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully. www.MandCinsurance.com

Insurance: Is your Investment property covered?

Duane Myers (M&C Insurance Agency 856-486-0077) — Mon, 10 Aug 2009 15:42:15 -0700

If you own an investment property, you should make sure that you carry adequate insurance coverage. Accidents may occur and ultimately cause damage to your investment property. If you do not have the necessary insurance, you will be responsible for the full financial cost. Owning an investment property brings with it a large degree of liability. In addition to the building itself, you may be responsible for injuries received by others while they are on your property. You could also be held responsible for damage to their belongings. Be smart. Check with your insurance carrier to ensure you have the proper amount of coverage on your investment property. www.MandCinsurance.com

Professional Liability (Errors & Omissions) Insurance

Duane Myers (M&C Insurance Agency 856-486-0077) — Wed, 05 Aug 2009 14:57:00 -0700

Professional liability insurance, also sometimes referred to as Errors and Omissions, is insurance to protect you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission committed by you in the delivery of your professional services. Professional liability coverage is separate from a General Liability (GL) policy which would cover you mainly for bodily injury or property damage liability. www.MandCinsurance.com

Flood Insurance Policies - The Basic Facts

Duane Myers (M&C Insurance Agency 856-486-0077) — Wed, 05 Aug 2009 13:54:29 -0700

Realtors: Did you know that your client's homeowners insurance policy WILL NOT COVER FLOOD DAMAGE??? Insurance against flood must be obtained separately. Your lender will do a flood certification early in the process, so have your clients get on it right away so that they can have a policy in place well before closing. A flood insurance policy reimburses the policy owner for the work that they and other family members did to sandbag the home, move furniture and remove debris. The Federal Emergency Management Agency's (FEMA) maps are important when it comes to flood insurance because if they show that the home sits in a 100-year flood plain, your client MUST BUY federal flood insurance in order to get a mortgage. If your client is buying outside of a high-risk zone, or if they're paying cash for the property, flood insurance is optional. We have helped people who have somehow overlooked flood insurance (don't ask me how) and we've been able to bind coverage at the closing table! Try not to find yourself in that experience, but if you do, it's not the end of the world. www.MandCinsurance.com

Personal Insurance Explained

Duane Myers (M&C Insurance Agency 856-486-0077) — Thu, 30 Jul 2009 13:58:15 -0700

Personal Insurance Personal insurance products from M&C Insurance Agency provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages. How we serve you is as important as what we provide. First, we listen to you, then we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective. M&C Insurance Agency provides the following types of personal insurance protection:

Auto (Personal) Boat & Marine Condominium Flood Homeowners Motorcycles

Motor Home & RV Personal Umbrella Personal Watercraft Renters Travel Insurance Valuable Items Call (856)486-0077 or visit our website for a free no hassle quote at www.MandCinsurance.com Serving New Jersey and Pennsylvania

Commercial Insurance- Does your Business need it?

Duane Myers (M&C Insurance Agency 856-486-0077) — Wed, 29 Jul 2009 14:57:01 -0700

As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs. Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that takes care of property, liability and workers' compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides cover for damages to third parties; and workers' compensation insurance covers injuries to employees. Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that's right for you. M&C Insurance Agency (856)486-0077 provides the following types of business insurance protection:

Auto - Commercial Business Owners Package Business Interruption Commercial Property Commercial Umbrella Contractor's Liability Directors & Officers Liability Employment Practices Liability General Liability Hotel & Motel Hospitality Investment Property

Liquor Liability Medical Malpractice Product Liability Professional Liability (E&O) Property Liability Restaurants Special Event Surety Bonds Technology Insurance Wholesalers & Distributors Workers' Compensation

Protecting your Investment with Home Owner's Insurance

Duane Myers (M&C Insurance Agency 856-486-0077) — Tue, 28 Jul 2009 08:48:34 -0700

Here's what a standard homeowners insurance policy covers: Structural damage to the home. Pays to repair or rebuild the home if damaged by any of the disasters listed in the policy (which won't include earthquake and flood unless purchased separately). Don't base rebuilding costs on the price you paid for the home, nor include the price of the land when estimating coverage. You'll need an insurance amount sufficient to rebuild at the going rate of construction in your area. This amount can be estimated by multiplying the home's total square footage by the square foot cost of local construction-- numbers that can be gathered from building associations, realtors and insurance agents Loss of personal items. This includes up to 70% compensation for furniture, clothes and keepsakes that have been stolen or lost due to disaster. Keep an inventory of possessions (on video if you'd like) and store it safely off-premises. Liability. Financial protection against third party bodily injury or property damage you might cause. Court costs and damage awards are usually covered up to the policy limit. This coverage typically begins at about $100,000, but most experts recommend carrying at least three times that amount. Check into umbrella policies. These provide broader liability coverage and higher compensation limits. Additional living expenses. This coverage picks up your hotel bills, restaurant tabs and other miscellaneous expenses should you be forced to live elsewhere while your home is rebuilt or repaired. But prior to purchasing a policy, take time to ask about time frames and the specific limits of what is and isn't covered. In New Jersey and PA Homeowners insurance policy costs are determined by many factors, such as square footage of the house, neighborhood crime rate and how prone your neighborhood is to natural disasters. The level of coverage also makes an impact. Consider these options: Actual Cash Value. Replaces home and/or possessions minus a deduction for depreciation. Replacement Cost. Replaces home and/or possessions without a deduction for depreciation. Guaranteed replacement cost. Pays whatever it costs to rebuild your home the way it was before the disaster. Strategies for keeping your homeowners insurance premiums out of the stratosphere include purchasing homeowners and auto insurance from the same carrier (they'll sometimes offer discounts) and raising the amount of money you'll chip in toward loss. For instance, a homeowner might save upwards of 25% simply by raising the policy deductible from $500 to $1,000. Be sure to ask about other discounts as well. Call today 856-486-0077 or visit our website at www.MandCinsurance.com we have Locations In Pennsauken,Sicklerville and Camden - Serving all of your New Jersey and PA Insurance Needs.