Personal Lines

Phoenix Insurance Group offers an extensive line of personal insurance products ideally suited for people living in Central and North New Jersey. As members of the community, friends, and neighbors, we understand your insurance needs and can help you get the coverage you need to protect yourself, your home, and the possessions you’ve worked so hard to acquire with policies like these.

Homeowners Insurance

Since your home is one of the largest investments the average person will make in a lifetime, it’s doubly important to protect that investment with adequate insurance coverage including the following coverages and more:

  • Property Insurance
  • Liability Insurance
  • Flood Insurance
  • Umbrella Insurance
  • Endorsements (art, furs, jewelry, antiques, electronics, etc.)

Automobile Insurance

The state of New Jersey requires a certain amount of insurance coverage on all automobiles to help cover the costs of repairs and medical expenses in the aftermath of an accident.

Most drivers discover quickly that this isn’t an adequate amount of coverage to protect their interests in their cars and personal assets. Let us help you understand your insurance needs and work with you to come up with the protection you deserve at a price you can afford.

Umbrella/Excess Liability Insurance

The bottom line is that your liability policy may not be adequate to cover your needs if you’re ever sued. In other cases you may be sued for reasons not covered by your standard liability coverage. These are the occasions when umbrella coverage and excess liability come to your aid and provide added layers of protection for you and your family.

Rental Property Insurance

Rental property insurance provides protection against liability issues arising on your rental property as well as for the content of your rental unit if they are damaged by a covered event.

Vacation Home Insurance

Vacation homes have unique challenges such as long periods of vacancy, isolation and winterization needs that must be addressed when purchasing insurance and protecting the investment you’ve made in your vacation home. We can help you identify those needs and obtain adequate protection against them.

Boat/Yacht Insurance

Your boat may have been bought with fun in the sun in mind, but without proper insurance coverage it can become a real problem for your family. We can help you get the right coverage your boat needs including:

  • Pollution Liability Insurance
  • Property Damage Liability Insurance
  • Wreckage Removal Insurance
  • Bodily Injury Liability
  • Medical Payments

Flood Insurance

Floods happen when and where you least expect them. Don’t make the mistake of believing you’re already covered for it or that you don’t need it. Big bodies of water are not necessary for floods to happen. Call us today to discuss your need and options when it comes to flood insurance protection.

Antique Auto Coverage

Classic cars have unique insurance needs including agreed value coverage once the work has been done and restoration coverage during the restoration process. We can help you understand what your needs are and get the coverage that meets those needs.

Fine Arts, Furs, Jewelry, etc.

If you have high value items in your home, mobile home, vacation home, rental home, etc. then you need additional rider policies or endorsements in order to protect them.

Motorcycle Insurance

Motorcycle owners have special needs when it comes to insurance. From aftermarket parts, customizations, and upgrades, to higher anticipated medical expenses in the event of a wreck it’s important to make sure all those needs are met with adequate insurance coverage.

Recreational Vehicle Insurance

RV insurance is a must for anyone who owns one today. From general motor vehicle and liability insurance to insurance to protect your possessions as you travel, the peace of mind of knowing you’re fully covered is priceless. We can help with that.

Mobile Home Insurance

Your mobile home is your sanctuary from the world. It provides an affordable housing option and you need affordable insurance protection to go along with it. We offer a wide range of coverage options to help you protect your home.

If you have questions about any of our personal line of insurance products call Phoenix Insurance Group at 908-879-6500 to get answers to all your questions and learn what you can do to save big on your insurance needs today.