Home Owners/Renters Insurance :: Home Owners/Renters Insurance

Borden Perlman Insurance, Bonds, Risk Management

Special Announcements

The Arc Mercer Touts Unemployment Insurance Program
January 26, 2112
“I was impressed when Borden Perlman was able to connect the Arc Mercer with an unemployment insurance product that helped us save more than $140,000 on our bottom line...” -- Steve Cook, ED, The Arc Mercer

Congratulations to Sharon Cappella

January 30, 2012
Borden Perlman's longtime account executive was named February's "Champion for Business" Award Winner from the Princeton Regional Chamber of Commerce!

Borden Perlman Develops Program for Faith-Based Organizations
September 22, 2011
"The insurance experts at Borden Perlman help us protect the assets of our congregation. They understand our role as stewards and advise us on how to best deploy the dollars at hand..." -- Rev. Ernest Wormley, Jr., Pastor, New Salem Baptist Church, Trenton, NJ

Professional Development Keeps Borden Perlman Expert
August 29, 2011
Thirteen staff members achieve designation as Certified Insurance Service Representatives through the National Alliance.

Jeff Perlman Citizen of the Year Video
July 19, 2011
Jeff Perlman was presented with the Mercer Regional Chamber of Commerce Citizen of the Year Award.

Latest News

Unemployment tax strains nonprofits' missions
December 13, 2011 By Sharon Cappella - The Times of Trenton
Non-profit organizations are not obliged to remain in NJ's troubled Unemployment Insurance Trust Fund

Taking the Cake!
October 10, 2011 By Community News Editor - The Times of Trenton
Trenton tasted a bit of Hoboken recently when Buddy Valastro, a.k.a. “The Cake Boss,” sent a cake depicting the Kingsbury Towers to the “Housing with Heart 2011” event at The Masonic Temple.

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.