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Making Certain New Jersey Is Super Prepared!
BEDMINSTER, NJ, June 3, 2013 -- (From left) Tom Tosatti and Lisa Tepper of Travelers head to the 19th hole at Trump National with former NY Giant Bart Oates and Jeff Perlman of BPSK following the 2014 Super Bowl Host Committee Donor Golf Tournament. The outing set the stage for February 2nd, when Super Bowl XLVIII comes to the Garden State.

Growing Together In Princeton
Borden Perlman Salisbury & Kelly knows the importance of “keeping it fresh!” After all, it has been insuring many of the restaurants, food markets and food service institutions in the Princeton area for almost four generations! BPSK’s Sarah Cammerzell and Jeff Perlman were pleased to join Mayor Liz Lempert and other community leaders for Opening Day of the Princeton Farmers Market on May 16, 2013 at Hinds Plaza. Pictured above are (from left) Princeton Administrator Robert Bruschi, Agricola Restaurant owner Jim Nawn, Callaway Henderson Sotheby’s Matthew Henderson, Cammerzell, Perlman, Lempert, Princeton Library Director Leslie Burger, Farmers Market Director Judith Robinson, Jack Morrison, Owner of Witherspoon Grill, Blue Point Grill and Nassau Street Seafood, and Peter Bromberg, Princeton Library Associate Director.

Home Owners/Renters Insurance


Your home is most likely your most important asset. A homeowners policy will provide coverage for you and your family, your home, contents and personal liability. We represent a range of insurance carriers that are committed to providing superior coverage and customer service to our clients, offering broader coverage than the basic perils of fire, lightning, wind and smoke.
Some of the specific features of an insurance policy that may be included in your policy are:
  •       Extended guaranteed replacement cost of the dwelling
  •       Ordinance and Law coverage
  •       Replacement cost of personal property/contents
  •       Increased limits for valuable articles
  •       Increased limits for back up of sewers and drains and sump-pump failure
  •       Increased limits for loss of use
  •       "All-risk" contents coverage (versus named perils)
  •       "All-risk" dwelling coverage
  •       Increased personal and excess liability limits
Condominium coverage varies from a homeowners policy and requires its own type of policy. When you purchase a condominium, depending on your association’s bylaws, you may be required to provide property coverage for the interior of your dwelling (additions and alterations).
We work with our clients to determine the appropriate coverage needed for your condominium, including additions and alterations, contents/personal property and liability protection.
A renter's policy will provide coverage for your contents and liability, if you were to be found personally liable for a personal injury on or away from your premises.
At Borden Perlman, we work with our clients to help identify the amount of contents and liability coverage that meets their needs. Our carriers offer some of the broadest protection available on the market for contents.
Flood & Earthquake Insurance -- Flood is an excluded cause of loss on a homeowners policy. For this reason, those clients living in areas that are considered flood zones, are often required to purchase a separate flood policy to protect their home. Surprisingly the majority of flood losses are made by homeowners in non-mandatory flood zones. 
Many insureds' definition of flood differs from the definition of flood on a flood policy. In order for a loss to be covered by flood, the flood must be "a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters from any source, or from mudflow."
A member of our Personal Lines department will work with you to determine your risk of flood and discuss with you how to protect yourself from this type of loss.


Borden Perlman

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