Is it Time to Upgrade Your RV Policy?

Attention New Jersey RV owners! The local team at Modern Benefits LLC is here to help with all of your insurance needs. Whether you’re planning to buy your first RV or you’re an experienced road warrior, we’ve got you covered. Contact us today to learn more about the RV policies currently available in our area. 

RV Insurance Needs Can Change

When you first bought your RV, you might not have been sure exactly how you’d use it. Now that you’ve established a pattern of use, it’s important that your policy matches. There are different types of RV users, and they can all require different types of policies. If you’re putting a lot more miles on your vehicle than you expected, or you’re now living in it for a few months a year, your original policy might not provide the protection you now need. When it comes to RV insurance, it’s important to have the right protection in place.

Liability insurance often needs to be upgraded for RV owners who live in or entertain in their RVs. The same is true for anyone spending a lot of time on the road. The more use your vehicle sees, the more important it is to have an adequate policy in place. Don’t wait until you experience a loss before you take a close look at your policy. Your local agent is a great resource when it comes to seeking help with RV insurance. Don’t delay; schedule a consultation with them today.

We’re here to help with all your insurance needs!

Look no further than Modern Benefits LLC for all of your New Jersey insurance needs. If you have questions, we’re here to help you find the answers. Give us a call or stop by today!

Should I Get Flood Insurance if I Don’t Live in a Floodplain?

At Modern Benefits LLC in New Jersey, we’ve helped plenty of homeowners protect their homes from flooding and qualifying disasters. Water damage can depreciate the resale value of your home, generate costly home repairs, and lower your quality of life if unaddressed. If you don’t live in a flood plain, you might wonder if flood insurance is even worth it. As we’ll share, flood insurance matters for every home.

What is flood insurance?

Flood insurance is a policy for insurance that covers damage to a home related to flooding. There are two major types of flood insurance. One type of flood insurance called “building coverage” protects the structure of the home. As you might guess, this type of insurance is designed to help you cover the costs of repairing the damage left by a flood. If you want to insure the most valuable items inside your home against flooding, you can opt for an insurance policy known as “contents coverage.” With contents coverage, damaged belongings like furniture or pricey electronics will be covered against flooding.

Should I get flood insurance if I don’t live in a floodplain?

A floodplain, also known as a “flood zone,” is a flat area of land near a body of water. It’s considered a high risk for flooding during times of excess precipitation. In general, if there are high water levels, the homes and structures closest to the floodplain are in the greatest danger of flooding. Even if you don’t live in a floodplain, you should get flood insurance. Flooding can happen everywhere, so we recommend taking caution. It’s always better to be safe with insurance than sorry.

We Are Here To Help!

To get flood insurance and the best coverage for your needs, call our office at Modern Benefits LLC in New Jersey today!

How Life Insurance Can Help You Plan for the Future in New Jersey

Life insurance can help you provide financial tools for your loved ones long after you’re gone. It gives you confidence that your family will be taken care of if something happens to you. In short, effective life insurance includes much more than death benefits.

Our agents at Modern Benefits LLC can help you design a policy to achieve your long-term dreams. Whether that’s paying off your debts or leaving a legacy to your grandkids, now is the time to make it happen.

Use Life Insurance to Build a Future for Your Family

Medical bills, legal fees, and funeral costs can quickly drain your estate. With life insurance, you can cover these costs without burdening your family while they’re in the midst of grief.

The benefits of life insurance for your family in New Jersey include financial security, legacy building, and handling final expenses. For example, a life insurance policy replaces lost income your family may need. Taking the time to invest in life insurance can ensure your loved ones have the money needed to cover your mortgage, car payments, credit card debts, or other expenses.

Leaving a Legacy

Life insurance can help you create a lasting impact on the people or causes that matter to you. You can leave a lump sum or a stream of income to your children or grandchildren. Alternatively, you can tailor your life insurance by naming a charity, church, or school as your beneficiary.

How Modern Benefits LLC Can Help

Finding the right life insurance policy can be challenging and confusing. That’s why you need a trusted and experienced partner to guide you through the process. Modern Benefits LLC is here to provide personalized service and expert life insurance advice. 

Contact us today for a free consultation and quote in New Jersey. We look forward to helping you plan for the future with confidence.

Top Tips for Choosing the Right Renters Insurance Policy

Navigating the world of renters insurance can be overwhelming, but Modern Benefits LLC in New Jersey is available to streamline the process. We work with you to help you protect your valuable possessions in all situations. To simplify things, we have compiled some of the top tips to help you choose the right renter’s insurance policy.

Assess Your Needs

The first step in selecting the right policy is to evaluate your specific needs. Make a comprehensive inventory of your belongings, including electronics, appliances, clothing, and valuable items. It will help you determine the coverage required to replace or repair your possessions in case of theft, fire, or other unforeseen events.

Understand the Types of Coverage

Renter’s insurance policies generally offer two types of coverage: personal property and liability. Personal property coverage protects your belongings, while liability coverage protects you if someone is injured on your rental property. Ensure you understand the limits and exclusions of each coverage type before deciding on a policy.

Choose Between Actual Cash Value and Replacement Cost

When selecting a renters insurance policy, you must decide between actual cash value (ACV) and replacement cost coverage. ACV considers depreciation and pays you the current market value of your items. In contrast, replacement cost coverage reimburses the amount it would cost to replace your items with new ones. Weigh the pros and cons of each option to find the best fit for your needs.

Compare Quotes

Once you clearly understand your needs and the type of coverage you require, it’s time to compare quotes from various insurance providers. Contact reputable companies like Modern Benefits LLC in New Jersey to receive tailored quotes that meet your requirements. Comparing quotes ensures you select the most suitable policy at a competitive price.

Read the Fine Print

Always read the fine print before committing to a renters insurance policy. Understand the policy’s terms and conditions, including coverage limits, exclusions, and deductibles. Then, if you have questions, don’t hesitate to ask us for clarification.

Act Now by Reaching Out to Our Office

Don’t wait until it’s too late to protect your valuable possessions. Start your search for the right renter’s insurance policy today by assessing your needs, understanding the types of coverage, comparing quotes, and working with our knowledgeable and experienced providers at Modern Benefits LLC in New Jersey. Call today!

Here’s Why Supplemental Insurance is becoming more popular

Supplemental insurance, which provides coverage additional coverage for various events, is becoming increasingly popular. The fact is that standard insurance plans, whether for a vehicle, home, health, or whatever else, sometimes fall short of people’s needs. With supplemental insurance, it’s possible to increase coverage, protecting your family through thick and thin. Contact  Modern Benefits LLC, serving New Jersey, to learn more about supplemental coverage options.

Whenever someone considers an insurance plan, they should read the fine print and understand all the details. This is especially true with supplemental insurance, as different plans will cover (and not cover) different things. Fortunately, by working with our insurance agents, you can more easily come to understand what’s covered and what your family needs.

Supplemental Insurance Mitigates Risks

Insurance policies often won’t cover every cost related to an event. Let’s say you suffer a medical emergency and have to undergo surgery. Your health insurance policy may cover the surgery and also the stay at the hospital. It may cover medicine and physical therapy as well. But what about lost income when you can’t go to work?

If someone misses work for say 90 days while they recover from surgery or something else, the standard health insurance plan likely won’t cover that lost income. Yet, bills will continue to roll in. You’ll have to keep paying your mortgage, utilities, and other costs.

Where does that money come from? Probably your life savings or checking account. That is unless you have a supplemental insurance plan. With the right supplemental insurance plan, you can make up for lost income and other unexpected costs.

Supplemental insurance can cover many things, but each plan is different.

Want to learn more?

Stop by Modern Benefits LLC, serving New Jersey, to discuss supplemental coverage options. We’d be happy to help.

Simple Safety Tips for Riding Safe

Something about riding a motorcycle gives you a rush. Whatever it is that makes you love riding—the open road, the rush of the wind in your face, or the bling on your bike— it’s important to follow a few basic safety rules. Modern Benefits LLC cares about your passion for riding, and that’s why we offer several safety tips you can follow to stay safe on New Jersey backroads.

Simple Safety Tips for Riding Safe

Always Wear a Helmet

Wearing a helmet is the number one safety tip to follow to keep you safe when riding. When you wear a helmet, you protect the most vital part of your body from injury. Numerous motorcycle fatalities could have been prevented with a helmet.

Get Your Bike License

Only licensed motorcycle drivers should ride. Getting your license keeps you not only legal but much safer on the road as well. Without a license, you have a higher risk of being pulled over as well as being in an accident. A large part of getting a motorcycle license focuses on making sure you fully understand how to operate the bike in multiple scenarios. As you maneuver through each scenario, you’ll have the opportunity to showcase your riding skills. Such skills include those relating to shifting gears, braking and accelerating, changing lanes, avoiding obstacles, and completing U-turns.

Pick the Right Bike

Not just anyone can ride just any bike. The wet weight of a bike impacts just about every aspect of the riding experience. The heavier the bike, the harder it is to stand up and maintain balance. The wet weight also impacts how fast the bike goes. A 650cc bike can achieve speeds the same as a 1350cc, depending on the weight. If you don’t feel comfortable on a bike, don’t ride it. Many motorcycle accidents are the result of riding an unfamiliar or uncomfortable bike.

Are you ready to hit the open roads in New Jersey?

Contact Modern Benefits LLC today to learn more about riding safety and how you can stay even safer with motorcycle insurance.

Will My Boat Insurance Cover an Accident Out of the Water?

Accidents happen, and if you own a boat in New Jersey, you know that accidents are even more likely when you’re out on the water. But what about accidents that happen away from the water? Does your boat insurance cover these types of incidents as well?

Here are some common instances and how your boat insurance policy may cover them:

Pre-Launch Accidents 

Many boat insurance policies will cover if your boat is damaged before it has been launched. For example, if you’re towing your boat to a launch ramp and the trailer malfunctions, resulting in damage to your hull, this could be covered by your policy. Reading through your policy carefully is essential to know precisely what is covered in pre-launch situations. Modern Benefits LLC can help review your policy and answer any questions you might have.

Accidents on Land 

Standard auto insurance will likely cover boats involved in accidents while on land or not in navigable waters. It’s essential to double-check both your auto insurer and boat insurer to make sure there is sufficient coverage. Always be sure to review all the details to ensure you have adequate protection in place.

Damage During Dry Dock 

If your boat is damaged while it’s in dry dock storage, such as slipping off its jack stands or being struck by a vehicle, this should be covered by your boat insurance policy. Carefully review your policy details to ensure you’re fully covered, and discuss any questions or concerns with an insurance agent.

Give Us A Call

Contact Modern Benefits LLC to learn more about boat insurance policies and to protect your vessel from potential damage in New Jersey. We’ll provide you with a thorough review of your policy and answer any questions you might have.

Three benefits you’ll enjoy from taking out the right umbrella insurance policy

Consumers in New Jersey should know why umbrella insurance policies are so beneficial. Modern Benefits LLC can offer you an umbrella insurance policy that will protect your finances and give you peace of mind. 

The following are three benefits you’ll enjoy from taking out the right umbrella insurance policy. 

Umbrella insurance protects your savings. 

The savings and assets of a consumer could be at risk without umbrella insurance. Umbrella insurance covers liability costs so that a consumer doesn’t have to rely upon his or her savings in the event of a costly lawsuit.

Umbrella insurance can cover both legal expenses and any other expenses that arise from a lawsuit. 

Umbrella insurance prevents stress about the future. 

Umbrella insurance offers consumers peace of mind. Without umbrella insurance, the future is uncertain. There’s always a possibility that a lawsuit can come along and devastate a consumer financially. 

If you want to avoid stress and make your financial future secure, taking out an umbrella insurance policy is one of the best things you can do. 

Umbrella insurance allows you to express yourself without fear of slander or libel issues. 

If you work in a position where you publish opinions, having umbrella insurance can be especially important. That’s because umbrella insurance can cover the costs of any slander or defamation suit you might face as a result of your writing. 

Reach Out To Us

You can learn more about umbrella insurance policies that are available to you as a New Jersey consumer by getting in touch with us at Modern Beneffits LLC. We’re here to answer your questions. We can also provide you with a quote on an umbrella insurance policy. Get in touch with us today so that you can learn more.

4 Questions to Ask Your Insurance Agent When Buying RV Insurance

Since an RV is something you drive, it’s not uncommon for most people to think insuring an RV is no different than insuring a car or a truck. But in actuality, the fact that an RV is both a vehicle and a dwelling means your insurance needs to cover more different bases. Here are a few key questions to ask your Modern Benefits LLC insurance agent to ensure a wise choice.

RV Insurance: What You Need To Know

1. “Does my policy match my actual usage?”

Many RV insurance policies are created with seasonal usage in mind, meaning yours might only cover you for a few months’ worth of actual usage days each year. While that’s great if it’s truly all you need, you’ll want to pursue more coverage if you’re a year-round RV user.

2. “Does my policy include roadside assistance?”

You only ever have to deal with one lousy mishap while on the road while far from home to understand what a lifesaver roadside assistance truly is. And since many insurance agencies in New Jersey do offer roadside assistance as an add-on for RV policyholders, it’s well worth asking about.

3. “Is all of my property protected while on the road?”

Part of the point of traveling in an RV is it makes it possible to take some of the comforts of home along with you. But it’s important to ensure your current policy covers the types of items you bring with you, as well as their full value, so check with your agent.

4. “Where can I save on my policy?”

Experienced insurance agents completely understand that you want the best deal possible on your next RV insurance policy, and they’re happy to help you get it. So don’t be afraid to ask how and where you can save.

Contact Us Today

Ready to get your New Jersey RV protected so you can hit the open road and enjoy it? Call Modern Benefits LLC today to talk about your options!

What To Do After An Accident?

Especially in the winter, motorcycle accidents are terrible. Cold weather with a disabled motorcycle can be frightening, but if you keep your wits about you, these tips from your insurance agents at Modern Benefits LLC, serving New Jersey, can help you get through the first hour after an accident.

What To Do After An Accident?

Get Off To The Side But Don’t Drive Away

If you can move, be sure that you get over to the shoulder so that traffic can pass freely. Do not drive your motorcycle away from the scene of an accident, even if it’s drivable. You may have injuries you can’t feel. Once you’re as safe as you can get, call 911. Especially when you’re in traffic, the sooner police and accident crews arrive the better. The police will be able to cordon off the road behind you and around you, creating a lane of safe passage for other vehicles so you can get out.

Exchange Information With The Other Driver

When you’re in an accident, you have to exchange insurance information with the other driver. It’s not just the law, it’s also a good idea. Your insurance agent at Modern Benefits LLC can help you know what information you need to share so that you can be on the road and get your vehicle towed quickly.

Don’t Admit Fault, but Be Courteous

New Jersey is a no-fault state for auto accidents. While the admission of fault may not harm you in terms of your insurance, you will still, however, have to be careful about admitting fault for injuries. Make sure that you’re protected.

Take Photos To Document The Damage

Collisions are scary, but you need to make sure that the damage to your motorcycle and the other vehicle is documented. You are responsible for all accident damage, but only the accident damage.

Get Auto Insurance Today

You don’t want to be without insurance coverage if you get in an accident. Give our insurance agents at Modern Benefits LLC, serving New Jersey, a call – we are here to help.