Personal Insurance

5 Things to Understand About Homeowners Insurance Look for exclusions to coverage . For example, most insurance policies do not cover flood or earthquake damage as a standard item. These coverages must be bought separately. Look for dollar limitations on claims . Even if you are covered for a risk, there may a limit on […]

10 Ways to Lower Your Homeowners Insurance Costs Raise your deductible . If you can afford to pay more toward a loss that occurs, your premiums will be lower. Buy your homeowners and auto policies from the same company. You’ll usually qualify for a discount. But make sure that the savings really yields the lowest […]

8 Ways To Improve Your Credit Credit scores, along with your overall income and debt, are a big factor in determining if you’ll qualify for a loan and what loan terms you’ll be able to qualify for. Credit scores can now be used in determining Insurance Rates. Check for and correct errors in your credit […]

Storm Safety Reminders Hurricane Watch: issued when hurricane conditions are a real possibility for an area. Hurricane Warning: issued when a hurricane is expected within 24 hours. START GETTING READY! Act Now to be Prepared Develop a family plan for survival and property protection.     If your home is in a potential flood or storm […]

By Paul Lavenhar New Jersey is known for Bruce Springsteen, diners, and going “down the shore.” It is also known for being one of the states hit hardest by Hurricanes Irene and Sandy. New Jersey-based insurance agency, The Van Dyk Group, is located on the coast of New Jersey, and it processed over 6,000 claims […]

Top Ten Boating Safety Tips from The Van Dyk Group: 1. Always wear a life jacket and insist that your crew and guests do the same. Approximately 70 percent of fatal boating accident victims drowned in 2011. Eighty-four percent of those who drowned were not wearing a life jacket, and 8 out of every 10 boaters […]