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Buying your first home? Learn when to start shopping for homeowners insurance, what information you'll need, how to compare quotes, and which coverages first-time home buyers should consider before closing.

Many construction defect claims involve hidden structural components such as roofing systems, framing, and moisture barriers that may not show signs of damage for years. Whether you build custom homes, remodel kitchens, install roofing, or manage commercial construction projects, every completed job carries a certain amount of risk. Even after the final walkthrough is complete, permits have been closed, and the customer has paid the last invoice, your responsibility may not e

Buying a home in New Jersey and need flood insurance? Learn the differences between private flood insurance and the National Flood Insurance Program (NFIP), including coverage, pricing, Risk Rating 2.0, and how to choose the right policy for your home.

Summer storms are a fact of life throughout New Jersey, New York, and Pennsylvania. Strong winds, hail, heavy rain, lightning, and fallen trees can cause significant damage to homes and businesses in just a matter of minutes. If your property is damaged during a storm, it's easy to feel overwhelmed. Fortunately, taking the right steps immediately afterward can help protect your property, simplify the insurance claims process, and reduce the risk of additional damage. Here are

Wondering what information you need for a homeowners insurance quote? The good news is that, for most homes, the process is much simpler than people expect. In this guide, you'll learn what information insurance companies typically need, why they ask certain questions, and when additional details may be required for older homes, prior claims, or higher-risk properties. See how Overmyer Insurance Agency makes the quoting process easy by doing much of the research for you and c

Employees using personal vehicles for work can create unexpected liability for your business. Learn how Hired and Non-Owned Auto coverage helps protect against costly claims.

Many homeowners are surprised to receive roof repair requests, tree trimming notices, or dwelling coverage increases without anyone ever visiting their property. In 2026, insurance companies increasingly rely on aerial imagery, satellite photos, and advanced property analytics to evaluate homes and determine risk. Learn how homeowners insurance aerial imagery is changing underwriting decisions, replacement cost estimates, and policy renewals—and what homeowners can do to stay

2026 Hurricane Outlook: Fewer storms expected, but don't ignore your coverage. The 2026 Atlantic hurricane season officially began on June 1 and runs through November 30. While forecasters are predicting a quieter season than we've seen in recent years, homeowners along the East Coast should not let their guard down. The National Oceanic and Atmospheric Administration (NOAA) recently released its outlook calling for a below-normal Atlantic hurricane season in 2026. Private fo

Thinking about renting out your home? Many New Jersey homeowners become accidental landlords after moving, purchasing a new home, or deciding not to sell their current property. Before handing over the keys, it's important to understand how your insurance needs may change. Learn the differences between homeowners insurance, landlord insurance, and DP-3 policies, along with liability risks, vacancy concerns, and umbrella coverage considerations for first-time landlords.

Memorial Day weekend is one of the busiest travel weekends of the year, and with heavy rain expected across the East Coast, drivers may face difficult road conditions, delays, and increased accident risks. After one of our team members was stranded for hours on I-95 last weekend waiting for a tow truck, we wanted to share important driving safety tips, vehicle checklist reminders, and insurance coverages NJ drivers should review before hitting the road this holiday weekend.

Running a family business comes with unique risks that many owners do not realize until a claim happens. From liability exposure and workers compensation concerns to cyber risks and umbrella coverage gaps, this guide explains what NJ family business owners should know about protecting the business they’ve worked years to build.

If you’ve ever shopped for insurance online, you’ve probably asked yourself: “Am I paying extra to use an agent?” “Would it be cheaper if I just went direct?” These are fair questions—and ones I hear all the time. The reality is, there are a few major misconceptions about how independent insurance agencies actually work. And in many cases, believing these myths can cost you more money—or worse, leave you underinsured when it matters most. Let’s break down three of the most co

If you’re a homeowner in New Jersey, one of the most common questions I get is: “How much should I actually be paying for home insurance?” The answer is not always straightforward, but there are real pricing ranges and trends you should understand—especially heading into 2026.

What a $600 Million Warehouse Fire Teaches Business Owners in 2026 In April 2026, a warehouse fire in California caught the attention of the insurance industry for one reason—the scale. According to Insurance Journal, a warehouse worker allegedly set fire to a 1.2 million square foot Kimberly-Clark distribution center, resulting in an estimated $600 million loss. Twenty employees were inside at the time. Thankfully, no one was killed. The building and everything inside was a

Cyber risk is rising—but visibility is declining. Learn why cyber insurance for small businesses in 2026 is becoming essential, especially as vendor-related breaches and unknown attack sources increase.

Commercial umbrella insurance is becoming harder to obtain in 2026—even for businesses with clean loss histories. With rising claim costs, stricter underwriting, and reduced carrier capacity, many business owners are facing higher premiums, fewer options, and unexpected declines. Here’s what’s changing and how to protect your business.

Insurance shopping is increasing in 2026 as homeowners and drivers face rising premiums, underwriting changes, and non-renewals. Learn why more people are comparing insurance policies and what to consider before switching coverage.

Many business owners believe they’re fully protected — until a claim exposes hidden gaps. In this guide, we break down the most common business insurance gaps in 2026, including low liability limits, missing umbrella coverage, cyber risks, EPLI exposures, and business income shortfalls. Learn how to identify coverage weaknesses before they become costly problems.

Buying a Condo in NJ? Here’s What Insurance You Actually Need If you’re buying a condo in New Jersey, one of the most confusing parts of the closing process is insurance. I receive calls every week from new condo buyers who say: “My lender says I need condo insurance… but doesn’t the association already cover the building?” The answer is: maybe — but not the way you think. Before purchasing a condo insurance policy (also called an HO-6 policy), you must first understand: Wha

Frozen pipes in extreme cold can cause major damage to homes and businesses. Learn what to do immediately, how the insurance claim process works, and how the right guidance can make all the difference during a winter loss.