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Personal Insurance

Personal Insurance

Otterstedt Insurance Agency has been serving the insurance needs of the people who call New Jersey home since 1919. During that time, we’ve worked hard to earn your trust as an ethical insurance agency that works with you when the time comes to choose your insurance coverage as well as when the time comes to file a claim.

We are proud to offer a broad range of insurance products designed to meet your insurance coverage needs for your home and so much more. Because we’ve developed relationships with so many different insurance carriers over the years, we’re able to find you the best policy for the best price that will meet your unique insurance needs. These are a few of the insurance lines we have to offer you.

Auto Insurance

The thing about many auto insurance policies is that there several inherent components that make your car insurance policy beneficial beyond the state minimum coverage. Whether you’re interested in the New Jersey state minimum coverage, which is little more than a liability policy, or you want full coverage for your vehicle, we can help you find the right plan for your wallet and your coverage needs, which may include some or all of the following:

  • Bodily injury insurance
  • Medical payments coverage
  • Uninsured motorist coverage
  • Comprehensive and collision coverage
  • Personal injury protection (PIP) no fault

We break down the complexities and help you understand what you need and how we can make that coverage as affordable as possible for you. Keep in mind, that we can help you protect your classic and antique car too!

Home Insurance

Your home is one of the biggest purchases you’re likely to make. As such, it’s important to protect that purchase with the right amount and type of insurance policy. Otterstedt offers different types of coverage suitable for homes of all shapes and sizes, including:

  • Condos
  • Co-Ops
  • Townhouses
  • Vacation Homes

Whatever type of home you own, the odds are good that we can work out the right coverage to protect your home and all the items inside.

Renters Insurance

Renters need insurance too. Contrary to what some renters believe, your possessions are not covered under your landlord’s insurance policy. You’ll need your own policy to protect your possessions, such as clothing, furniture, appliances, electronics, and more.

Life Insurance

Life insurance is almost a necessity today for working families in all income brackets. One income is nearly impossible to replace – not to mention the other small things you do as part of a family to take care of everyone. These are things you can’t necessarily put a price tag on (preparing meals, sharing household responsibilities, carpooling children, emotional support, and more), but that matter so much when you’re no longer there to provide them.

Flood Insurance

Your home or renter’s insurance policy does not cover damage from floods. You must purchase an additional policy to protect not only the structure of your home but to protect the items inside your home as well.

Health Insurance

Otterstedt Insurance Agency offers a wide range of employee benefits including group health, disability, and long-term disability.

Motorcycle Insurance

Motorcycle riders have special needs that go beyond those of a standard automobile driver. That’s why you need specialized insurance protection. Whether you use your motorcycle for transportation or sheer recreation Otterstedt Insurance Agency can help you find the right coverage to protect your machine and the person riding it.

Boat and RV Insurance

If you own a camper or RV, you need to protect your investment and your personal financial interests.

Boats and personal watercraft can be very enjoyable, but costly to repair or replace.

ATV and Snowmobiles are fun “toys” to own, but also need to be added to your insurance policy in case a catastrophic accident occurs.

Why Buy Your Personal Insurance from Otterstedt?

Otterstedt has a long history of service to the state of New Jersey and is committed to delivering ethical service and guidance to you at every turn. We’re also convenient with locations in Allamuchy, Englewood Cliffs, Hasbrouck Heights, Pompton Plains, Secaucus, Summit, and Teaneck.

Find your local branch or call today: 888-866-4616 to learn more about our personal line of insurance products and which ones are right for you!

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