Personal Insurance - The Rampart Group Insurance Associates - NY, NJ - Commercial, Personal, Healthcare and Employee Benefit Programs

At The Rampart Group, we can tailor an insurance program that will protect you and your family’s most valuable possessions. Our marketing specialists and account executives understand the need to properly insure the security and welfare of our clients.

The strong relationships we maintain with the insurers we represent as agents enable us to negotiate the most comprehensive coverage and competitive pricing on behalf of our clients.

Our in-house claims experts act as advocates for our clients by promptly processing and resolving their claims promptly and efficiently. We believe that this unsurpassed level of responsive service makes a critical difference for our clients and promotes their continued use of the services of The Rampart Group year after year.

Highlights of our Personal Insurance products include:

Homeowners
Condos/Co-ops
Tenants
Automobile
Valuable Items/Fine Arts
Personal Umbrella
Watercraft
Flood
Workers Compensation
Disability


	Do my valuables (jewelry, fine arts, etc.) need a separate limit of insurance for each item or are they already covered under my homeowner's or tenant's policy?
	The homeowners policy usually provides a limited amount of coverage that is subject to a deductible. We recommend that our clients schedule each individual valuable item for the full amount to replace it. Scheduled valuable items are not subject to the policy deductible.

	If a friend uses my car, is he or she covered??
	Yes, as long as you gave your permission to drive your car. Insurance always follows the vehicle. However, the policy limits protect you, the policy holder, first. Any remaining limit is then available for your friend. That is why we suggest that all drivers obtain their own insurance coverage whether they own a vehicle or not.

	How can I reduce my premium?
	There are different ways of reducing your premium: For homeowners or tenants, you can increase your deductibles or receive additional credits for various types of protection devices such as burglar and fire alarms. If you are retired, you may be entitled to a mature homeowners credit, and some companies offer a non-smoking credit. For auto insurance, you can take a defensive driver course and increase your deductible as well.

	How do I know if my home is insured with the correct limit?
	Some insurance companies provide appraisal services and will guarantee the adequacy of the limit. If you are insured on a policy that does not offer this feature, we recommend that you contact an appraisal service to confirm the dwelling limit.

Interested in our Personal Insurance Services?