Category Archives: Renters Insurance

Farmers Mutual of Salem headquartered in Salem, New Jersey, incorporated in 1851 as Farmers Mutual Fire Insurance of Salem County back when most of the local residents were farmers and policyholders used woodstoves for heating and cooking.  Times have changed and Farmers Mutual of Salem has changed with them. The company that began writing policies for Salem County homes and businesses has progressed to serving its insured through independent agents throughout New Jersey and Maryland.

Muller Insurance in Hoboken was founded in 1906 by my grandfather John Muller and our family has worked with Farmers Mutual of Salem for three generations. At Muller, our agents are experienced and up to date with the company’s Personal and Commercial policies and we can help you choose the right policies for your family and business.

Personal Insurance policy options include

Homeowners Advantage:  Comprehensive coverage for owner-occupied property; Identity Theft coverage provided to all Farmers of Salem Homeowners policyholders.

Combination Dwelling:  Coverage for rented properties or occupied as a secondary residence.

Condominium Unit Owners:  Coverage for owner-occupied or rented condominium units.

Renters/Tenant: Personal property and liability coverage for renters.

Personal Umbrella:  Excess Liability Coverage available as part of our Homeowner Program.

Identity Protection Program:  Identity Protection Program gives victims of identity theft what they need most – personal, expert guidance through the entire complex process of crisis resolution.

Commercial Insurance policy options include

Business Owners: Coverage for small to medium-sized businesses; Employment Practices Liability coverage available to eligible business owner policyholders.

Special Contractors:  Property and Liability coverage for artisan contractors.

Commercial Auto:  Coverage for business vehicles.

Commercial Umbrella:  Excess liability coverage for business owners.

Commercial Inland Marine:  Coverage for a variety of commercial property exposures.

Commercial Liability:  Coverage for commercial liability exposures.

Commercial Package: Comprehensive coverage for both commercial property and liability exposures under one policy.

Workers’ Compensation: Coverage for statutory workers’ compensation. (Available in New Jersey only)

With more than 150 years in the insurance industry, Farmers Mutual of Salem stands out as an insurance company that puts its clients first. The company states on its website: “Although the faces have changed, there has been no change in the Company philosophy that puts our insured’s first. Our goal remains the same; to provide SUPERIOR SERVICE WITH PERSONAL ATTENTION’ to all our insured’s through cooperation with our quality team of independent agents…”

At Muller Insurance in Hoboken, our agents have experience working with Farmers Mutual of Salem and can help you get the best coverage that suits your needs. Our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com).

 

 

About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a NJ Certified Real Estate Appraiser (CREA), IATA Travel Agent, Certified  Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Muller is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple, Past President of the Hoboken Lions Club, a 32° Mason, and a member of the Hoboken Elks Lodge No. 74. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a NJ Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.

 

 

 

 

Renters Insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you have experienced or a fire caused by your iron, destruction or loss of your possessions is not covered by your landlord’s insurance. Renters Insurance only covers the value of your belongings, not the physical building, and the premium is therefore relatively inexpensive.

(FYI: Chubb is offering a one-year Renters Insurance policy at a 30 percent discount. Visit our website at www.MullerInsurance.com for more info.)

By purchasing Renters Insurance, your possessions are covered against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage (not including floods.) Like Homeowners Insurance, Renter’s Insurance also covers your responsibility to people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

Renter’s Insurance covers your additional living expenses if you are unable to live in your apartment because of a fire or other covered disaster. Most policies will reimburse you the difference between your additional living expenses and your normal living expenses but still may set limits as to what they will pay.

When purchasing Renters Insurance consider these options:

Actual Cash Value – This refers to the value of replacing your home or possessions minus a
deduction for depreciation up to the limit stated in your policy

Replacement Cost – This refers to the actual cost of replacing your home or possessions with no deduction for depreciation up to the limit of your policy

The Floater. A standard renter’s policy offers limited coverage for items such as jewelry, crystal, silver, etc. If you own property that exceeds the standard policy’s limits, it is recommended that you supplement your policy with a floater. A floater is a separate policy that provides additional insurance for your valuables and covers them for damages not included in your policy such as accidental loss.

HO-4 Renter’s Policy. Created specifically for those who rent the home they live in, this policy protects your possessions and any parts of the apartment that you own, such as new kitchen cabinets. Personal liability is included.

Roommates 2-for-1 Policy. As direct agents of our companies, Muller Insurance can insure up to two roommates on one renter’s policy starting at $180.a year.

Renters Insurance is a necessity these days and protects you, your family and your possessions. Visit our website, www.mullerinsurance.comto see the video “Taking Inventory” and other videos on the benefits of a Renters Insurance policy.

About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a travel agent, Certified Real Estate Appraiser (CREA), Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico,
Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Roger J. Muller, Jr. is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a New Jersey Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.