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Home insurance for the way you live.

coverage for Jewelry.

    Why Hochron Insurance Agency

    Working with an agent means you get the guidance you need to choose coverage for your needs. Hochron Insurance Agency is here for you, to educate you, help you and provide you policy servicing when you need it. We can quote with  a number of  carriers for home insurance, dwelling coverage  and tenants insurance, so we can find you the policy that works for your needs.

    homeowners insurance Coverage customized to your needs

    Whether you  live in a single family home, condo, co-op or apartment we work with  a number of carriers that can offer a policy that works for you. We  even work with markets that will insure homes in the course of construction. We work with homeowners insurance companies that write coverage to meet the needs of today's homeowner. These markets offer coverage like open perils,  replacement cost , home business , identity theft protection, service line interruption,  jewelry coverage, excess liability  up to  $5 million, and so much more. We offer coverage from carriers that allow customization to meet your needs. Choose higher deductibles for premium savings without sacrificing other coverage within the policy.  If you live in Closter, Norwood,  Demarest, Tenafly , and Bergen county and beyond , call to speak with an agent to  

    Homeowner Coverage

    Home Insurance packages customized to meet your needs.




    Your home is a one of the biggest investments you make.  Helping you to find homeowner insurance coverage that meets your needs  is our priority. To accomplish this we work with you to assess your goals and focus for your home insurance coverage. We then find carriers that will help you achieve your insurance coverage goals.




    Insure your home with insurance carriers that understand your needs.

    Insure your home with insurance carriers that understand your needs.

    VipHomeLink offered to FMI Customers

    An innovative approach to home insurance and home ownership

     FMI has partnered with vipHomeLink to assist  insureds to stay organized, prevent costly claims and make improvements, right in the palm of your hand.  A Friendly reminder, this is exclusively for  FMI policyholders, get your home insurance quote today and see the difference being with FMI can make.

    VIPHomeLink Brochure Click here to download

    FMI HomeAssist App

    Learn more about HomeAssist App

    available free to FMI policyholders. Call our office today for more information

    Get One Quick Home Insurance Quote NOW!

    If you want a quick quote right now, Text "Quote Me" to  551-303-6093  

    We have many carriers but this will get you a quote from One of them immediately .


    Contact an agent

    Tenant/ Renters insurance

    What is Renters/Tenants insurance

    Renters/Tenants  insurance is the coverage you purchase when you rent a home, apartment, or condo. Tenants coverage can be written a number of ways. The first is on a stand alone tenant policy.  This form has many options and can be customized to your specific needs. The second way is to purchase  renters coverage as an endorsement on your auto or as a combo coverage with your auto. This kind of tenants coverage is only available from certain carriers and is limited in it's internal limits and coverage amounts.  


    What kind of coverage does a stand alone tenant policy provide?

    1) Coverage for your personal belongings subject to the internal limits of the policy.*

    2) Personal liability coverage 


    * jewelry and other items may need to be scheduled to properly protect them. 

    Renters Insurance needed

    Renters Insurance needed

    FMI Renters

    Great Renters product Franklin Mutual Insurance

    Home in the course of construciton

    Coverage for your home in the course of construction

    Did you buy an old home and tear it down to build a new home for your family? Our agency can assist you with obtaining coverage for  a situation where you are rebuilding your own home. Make an appointment with an agent to go over all the ways to cover this situation.


    Builders: We shop the sources we have access  to cover commercial General liability and Contractors coverage





    Insurance for new home

    Insurance for new home

    Dwelling fire/ Landlords insurance

    Home insurance needed

    What is the difference between home insurance and dwelling fire coverage?

    The picture to the left looks  like a regular family home; however, once you move out and let a tenant move in, the coverage that you need for that home changes.

    Dwelling fire Coverage

    The coverage needed once you move out and the tenant moves in is called Dwelling fire coverage. It covers the building,  landlord owned contents and the landlord's liability. 

    Your tenant should carry Tenant/Renters insurance for their contents and liability coverage.  

    Click the appointment link below or Call 201-768-9086 today to set up your appointment

    We can help you evaluate your needs for coverage as a landlord, and help you implement a plan to protect your asset and your liability as a landlord.

    CLick here for an appointment

    FAQs

    Q:  Does my tenant really need their own renters insurance coverage?

     A: Yes, all landlords should require that their tenants have contents and liability coverage. Your insurance doe not cover a tenants contents or their liability.  If they are responsible for damaging your property  you  want to make sure their coverage is in place to protect your property and liability.

    Q: Do I need different insurance if I have a second home and I rent it some of the time? 

    A: That will depend on your carrier. some carriers have endorsements that allow some rental others do not. Sharing information with your agent,  helps us shop coverage for you. 

    Home Insurance information

    What to look for when purchasing Home Insurance

    What to look for when purchasing Home Insurance

    What to look for when purchasing Home Insurance

    Home to insure

      

    WHAT TO LOOK FOR WHEN PURCHASING A HOMEOWNER/ TENANT/CONDO/ CO-OP POLICY:

    1)A company that offers you choices like open perils, replacement cost and extra coverage and discounts to meet your individual needs. 

    2) A policy that can grow and change with your families changing needs. 

    3) Carriers that write separate excess liability or endorse an  excess liability policy on to your home policy. One bill is more convenient.

    4) Homeowners Insurance Coverage on a replacement cost basis.

    Call our office at 201 768-9086

    Smart water and leak detectors

    What to look for when purchasing Home Insurance

    What to look for when purchasing Home Insurance

    Roost Water detection and alarm

      

    We are very pleased to announce that Beginning in January 2018, each FMI
    homeowner insurance policyholder will be eligible to receive a FREE Roost Smart Water  Leak and Freeze Detector valued at $49.95.

    What is a Roost?

    ​​The Roost Smart Water Leak and Freeze Detector is designed to sense water leaks as well as humidity and freezing temperature situations. It delivers smartphone alerts via the
    Roost mobile app to help minimize water damage and loss. This smart Wi-Fi detector sets  up in less than 5 minutes and can be easily located in places around the home that are  most prone to water leaks such as sinks, hot water heaters, toilets and various appliances.
     

    Have you ordered your Roost? 

    Call our office today for assistance.

    Service Line Interruption Coverage

    What to look for when purchasing Home Insurance

    Service Line Interruption Coverage

    Risk factors in insurnace

     

    This added coverage will insure direct physical loss to service line covered property that is caused by a service line occurrence at the residence premises. Occurrences include wear and tear, collapse, as well as, rust or other corrosion. **
     

    Service Line Covered Property

    Electrical
    Water
    Heating
    Natural gas
    Waste disposal

    Internet access, telecommunication   services, wide area networks or data transmission **
     

    If service line covered property requires repair or replacement will pay up to the limit shown for this endorsement.
     

    Coverage Includes:

    •  Cost to repair or replace damaged
    •   Cost of excavation
    •   Cost to repair or replace lawns, landscaping, driveways, patios and walkways **
       

    Insured's can choose to purchase a  limit of $10,000, 15000 or 25000 for this special 

    endorsement. This valuable coverage is available for premium far less than available from other sources.

     ** individual carrier endorsements may differ in their wording and internal coverage.  

    Excess Liability coverage

    Excess Liability coverage

    Service Line Interruption Coverage

    Excess liability or " umbrella coverage"

    Excess liability FAQ's

    Q) What is an excess liability policy?

    A) An excess liability policy provides an additional layer of liability coverage over your home and auto policies.  

    Q) I have a home, two autos, two youthful operators and an income property with great coverage, would I need an umbrella policy.

    A) Many customers with  even simpler scenarios would be served well by having this added protection.  A thorough insurance review will help you decide what is right for you.

    Find out more

    Jewelry and Collectibles

    Excess Liability coverage

    Jewelry and Collectibles

    jewelry and valuable items insurance

    Your home insurance internal limits may not be enough coverage for the jewelry , fur, and collectibles that you own. Sharing information with your agent, means they can make a recommendation about how to handle this big ticket items.  Scheduling these items or writing a separate policy for them  is the best way to make sure your special items are covered properly. **


      ** individual carrier endorsements may differ in their wording and internal coverage.  

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