Otterstedt Insurance Agency Blog | Insurance Questions Answered

Personal Lines Claim Stories

Written on March 8, 2022.

Having adequate personal insurance is one of the best ways to protect you, your home, and your car from costly expenses due to unpredictable situations. At Otterstedt, we understand that most individuals highly appreciate the peace of mind personal insurance provides. Here are some...

Why Choose Otterstedt for Your Small Business Insurance

Written on February 3, 2022.

If you own a small business in New Jersey, you’ve probably come across many agencies selling small business insurance. But the truth is, most insurance agencies in NJ will sell insurance that meets your budget but not your small business needs. That’s where Otterstedt comes in to...

What is Guaranteed Replacement Cost?

Written on December 22, 2021.

Losing your home to a fire or natural disaster is one of the worst things that can happen to any homeowner. What can make it even worse is finding out later that you lack the homeowner’s insurance coverage to rebuild your home back to what it was before the disaster. This is why we...

Annual Business Insurance Checkup: Make Sure You Have The Proper Coverage

Written on December 22, 2021.

Reviewing your business insurance during an annual checkup is important for ensuring your business is successful and you aren’t missing any coverage. Depending on how your business may have changed or grown since your last review, you should consider examining your policies to see if...

What Type of Insurance Do You Need as a Retailer?

Written on November 19, 2021.

Owning a business comes with many responsibilities, such as providing each customer with high-quality products as well as providing exceptional customer service, but what do you do when an injury or damage occurs? It’s important to maintain adequate insurance coverage for your...

Giving an Expensive Present? Here’s How To Insure It Properly

Written on November 19, 2021.

Are you searching for the perfect, extravagant gift for your wife, husband, child, or a loved one for their birthday, holiday, or special occasion? Whether it be a new car for your child’s sweet 16, an engagement ring for your bride-to-be, or an expensive “just because”...

Does Insurance Cover Damage From Wind Related Weather?

Written on November 5, 2021.

Obviously living in areas frequented by strong winds and storms such as tornadoes, hurricanes, and blizzards requires an understanding of wind-related coverages, but with the changing weather patterns, everyone may be susceptible to a wind loss Insurance Coverage Explained Most...

Tips To Prepare Your Home and Car for The Fall

Written on September 28, 2021.

As you prepare to change your wardrobe from summer swimsuits and sandals to turtleneck sweaters and boots for the fall season, don’t forget your car and home. Fall brings beautiful foliage along with its shorter daylight, light rain, and cooler weather. For this reason, it’s...

Using Multi-Factor Authentication (MFA) To Protect Your Business

Written on September 28, 2021.

With each separate account requiring you to create a password, it becomes a hassle to remember several different ones, so people tend to make their passwords the same for each account. While this might be okay with a complex password, people often use a simple password that is easy for...

What Type of Insurance is Needed for Special Events?

Written on August 31, 2021.

Special events are common in many people’s lives, and many businesses too. Whether it’s a conference, company meeting, prom, anniversary, wedding, or fundraising gala, these activities go beyond day-to-day operations. Typically, special events can’t be included...