Commercial insurance

Why do you need Commercial insurance?

Commercial property insurance is an essential tool for protecting your investment in both commercial buildings and residential buildings. Whether your property deals strictly with commercial buildings, residential buildings, or some combination of the two, getting the right coverage and protection is essential for keeping your investment safe.

COMMERCIAL INSURANCE

Ensuring Your Protection

Insurance for homeowners isn’t solely about protecting the structure of your home from fire, wind, and other damages, it’s also about protecting your belongings and replacing them if you’ve had damage or suffered loss due to a covered incident such as fire, theft, or vandalism.

That’s why it’s so essential to work with an experienced insurance agency like the Today’s Insurance. We can help you cut through all the small details to get the big picture policy that best meets the needs of your home and family.

The following are among the most common homeowner’s insurance policies among New Jersey families.

Named Peril Coverage. This type of coverage names specific perils that are covered by your insurance policy. Specific coverages such as wind, fire, water damage, lightning, earthquake, and flood can be purchased separately.
Liability Insurance. When people or property is injured or destroyed while on or by your property, liability coverage helps cover the costs of medical expenses, repairs, and, when necessary, legal representation.
Other Structures Coverage. Repairs or replaces other structures on your property such as detached garages, barns, sheds, gazebos and other detached permanent structures.
Loss of Use/Living Expenses Coverage. When your home is unlivable due to a covered event, this will cover alternative living arrangements during the repair process.
Property Damage/Dwelling Coverage. Provides for the repair or replacement of a home that’s damaged or destroyed by a covered event.
Personal Belongings Coverage. This type of coverage helps cover the cost of replacing personal belongings lost or damaged in a covered event.
Umbrella Coverage. Provides additional liability coverage above the limits of a standard homeowner’s and auto policy.
Valuable Items Coverage. This policy is a good idea for homeowners who have costly jewelry, antique, art, musical instruments or other collectible items.

Get a Quote

Can I Apply For A Policy On This Website Or Secure A Quote?

You cannot apply for a policy online, but we do give our customers the ability to request a quote.

How Do I Make Changes To Information On My Policy?

You may make changes to your policy by contacting one of our agents at:
Peabody: (978) 532-3555, peabody@todaysins.com
Cambridge: (617) 547-6212, cambridge@todaysins.com
Lowell: (978) 934-3555, lowell@todaysins.com
Please include your phone number and name in the email.

I've Lost My Policy. Can You Provide Me With A Certificate?

Yes, just email peabody@todaysins.com or call us at (978) 532-3555. Please include in your email the policyowner name and a phone number.

How Do I Submit A Claim?

A beneficiary or someone acting on behalf of the beneficiary can submit a claim by scheduling an appointment with one of our representatives. You may schedule by contacting (978) 532-3555

Need any help!

Specializing in homeowners and business insurance, Today's Insurance provides each client with knowledgeable support and a comprehensive understanding of their insurance options and coverage needs.