Personal Insurance

Our Full Range of Personal Insurance Packages

Auto Insurance

As an independent agent, we can tailor an auto insurance package to suit your specific needs and budget. Even if your driving record is less than perfect, we can still find the at most competitive rates available. We work very hard to assure you never have to pay one dollar more than you should drive your vehicle while maintaining strong auto coverage. Contact us today to learn more about the services from our independent insurance agency or to schedule an appointment.

Types of Coverage


This coverage pays for accidental bodily injury and property damages to others. Injury damages include medical expenses, pain and suffering, and lost wages. Property damage includes damaged property and automobiles. This coverage also pays defense and court costs. State laws determine how much liability coverage you must purchase, but you can always get more coverage than your state requires.


This coverage pays for damages to your vehicle caused by collision with another vehicle or object.


This coverage pays for loss or damage to the insured vehicle that doesn't occur in an auto accident. The types of damage comprehensive insurance covers include losses caused by fire, wind, hail, flood, vandalism, or theft.

Medical Coverage

This coverage pays medical expenses regardless of fault when the expenses are caused by an auto accident.


Personal Injury Protection (PIP) is required in New Jersey. This coverage pays medical expenses for the insured driver, regardless of fault, for treatment due to an auto accident.

Uninsured Motorist

This coverage pays your car's damages when a driver who doesn't have liability insurance causes an auto accident.

Underinsured Motorist

Underinsured motorist coverage pays your car's damages when an auto accident is caused by someone who has insufficient liability insurance.

Rental Reimbursement

This type of coverage will pay for a rental car if your car is damaged due to an auto accident. Often, this coverage has a daily allowance for a rental car.

Homeowners Coverage

Ensure your biggest asset is properly covered with homeowner's insurance from North Jersey Insurance Group. Your house is not only your largest asset. It is also a home for you and your family while holding precious memories and belongings. At North Jersey Insurance Group, we provide affordable homeowners insurance and strive to offer coverage that protects all that you hold dear. Contact us today to learn more about our independent insurance agency or to request a free quote from our agents.

The 4 Parts of Property Protection


This section covers the structure and fixtures within the house such as built-in appliances, plumbing, heating, air-conditioning, attached structures, and electrical wiring.

Other Structures

This section covers any detached structures such as storage sheds, garages, and any fixtures attached to the land. This includes fencing, sidewalks, driveways, patios, and retaining walls. If a detached structure is used for business purposes, it will not be covered under a personal homeowner’s insurance policy.

Personal Property

This section covers personal property including contents and other personal items owned by those living within your home. This protection may involve a replacement cost or actual cash value. You can add extra coverage for these items by adding an endorsement to your homeowner's insurance policy.

Loss of Use

This section covers living expenses resulting from the fact that you cannot live in your home.

The Two Sides to Liability Protection

Personal Liability

This section protects against a claim or lawsuit that results in bodily injury or property damage to others caused by an accident on your property or by your activities anywhere. However, this coverage does not protect auto and business-related incidents but does protect you and all family members who live in the home.

Medical Payments

This section covers persons accidentally injured on your property by paying for medical expenses of persons, regardless of fault. However, they do not cover your injuries or any injuries of family members living in the home, or activities that involve your home business.

Protect the investment of your home with proper homeowner’s insurance coverage from our agency in Elmwood Park, New Jersey.


Life Insurance

At North Jersey Insurance Group, we offer both whole and universal life insurance to ensure your loved ones are taken care of in the event of your passing. Life insurance policies are tailored for your lifestyle and needs while our agents take great care to ensure you receive proper coverage.

Term life insurance or 'term assurance' provides life insurance coverage during a specified term of years for a specified premium. The policy does not accumulate cash value. The term is generally considered 'pure' insurance, wherein the premium buys protection in the event of death and nothing else.

Whole life insurance provides for a level premium with a cash value table included in the policy guaranteed by the company. The primary advantages of whole life are guaranteed death benefits, cash values, fixed and known annual premiums, as well as mortality and expense charges that will not reduce the cash value shown in the policy.

The primary disadvantages of whole life are premium inflexibility, and the internal rate of return in the policy may not be competitive with other savings alternatives. Riders are available which allows one to increase the death benefit by paying an additional premium. The death benefit can also be increased through the use of policy dividends. Dividends cannot be guaranteed and may be higher or lower than historical rates over time. Premiums are much higher than term insurance in the short-term, but cumulative premiums are roughly equal if policies are kept in force until average life expectancy.

The cash value can be accessed at any time through policy 'loans'. Since these loans decrease the death benefit if not paid back, payback is optional. Cash values are not paid to the beneficiary upon the death of the insured, instead, the beneficiary receives the death benefit only. If the dividend option: Paid-up additions are elected, dividend cash values will purchase additional death benefits which will increase the death benefit of the policy to the named beneficiary.

Universal life insurance is a relatively new insurance product intended to provide permanent insurance coverage with greater flexibility in premium payment and the potential for a higher internal rate of return. There are several types of universal life insurance policies which include 'interest sensitive' (also known as 'traditional fixed universal life insurance'), variable universal life insurance, and equity-indexed universal life insurance.

A universal life insurance policy includes a cash account and premiums increase it. Interest is paid within the policy (credited) on the account at a rate specified by the company. This rate may have a guaranteed minimum (for fixed ULs) or no minimum (for variable ULs). Mortality charges and administrative costs are then charged against (reduce) the cash account. The surrender value of the policy is the amount remaining in the cash account for less applicable surrender charges if any.

  • Rental Property Insurance

    If you’re a landlord, you want to protect your business like the property that you own. With help from North Jersey Insurance Group, you can be sure that we will provide the insurance options you need to ensure that your property is protected.

  • Customized Protection

    Are you looking for coverage solutions that can be customized according to your needs? Our team of insurance agents can build a policy that is unique to your business.

  • Established Reputation

    We have more than 10 years of experience within the industry so we know how to drive results that exceed your expectations. Our company is already able to build a solid reputation through the years while maintaining strong relationships with our customers.

  • A Thorough Agent

    While working with us, you will have an insurance agent assigned to your case. They will walk you through the different coverage options available and provide the support you deserve.