Two Rivers Insurance Group

Our email is currently down, if you are trying to reach us, please call the office line 7327476663. Sorry for the inconvenience. We should be back up shortly. Thank you!

Need help navigating the new E-bike insurance requirements? Give us a call and we can help point you in the right direction.

https://www.cnn.com/2021/10/01/us/flood-insurance-rates-going-up-fema-climate/index.html?fbclid=IwAR0xi0aYnNm_R7TnlRUig4t3oDoCCP5AKYy8YsifbfCYQ_Y_7lBkZC9GmQM

Homeowners brace for more expensive flood insurance as FEMA launches changes to program Homeowners in some flood-prone areas are bracing for rising insurance rates as FEMA launches a revamp of its flood insurance program.

N.J. residents to get 60-90 day break on insurance bills during coronavirus outbreak Gov. Phil Murphy announced the latest executive order on insurance premiums on Thursday during a briefing on the coronavirus outbreak in New Jersey.

Insurance company guidelines may vary, please contact your carrier directly or feel free to contact us with any additional questions.

N.J. residents to get 60-90 day break on insurance bills during coronavirus outbreak Gov. Phil Murphy announced the latest executive order on insurance premiums on Thursday during a briefing on the coronavirus outbreak in New Jersey.

Since everyone will be quarantined to their homes over the next few weeks, now would be a great time to dig out your insurance papers and call Two Rivers Insurance for a no cost, no obligation quote!

5 best insurance tips for millennials

If you’re a millennial, you know this definition all too well. You’ve reached the age where you may be taking out student loans, buying or renting a place to live, having kids and, ultimately, purchasing insurance. These major life events for millennials make it extremely important to have a financial security net. And that’s exactly what insurance is: a financial security net. So it’s troubling that a survey from Princeton Survey Research Associates International named millennials the most underinsured generation.
There are many reasons why people of all generations avoid purchasing insurance. It‘s often seen as a big investment, but that doesn’t necessarily mean that it’s an expensive one. In fact, insurance probably costs less than you think. For instance, according to the National Association of Insurance Commissioners (NAIC), millennials overestimated the cost of renters insurance by more than five times its actual cost per year.
Also, the complicated terms can make finding a policy a puzzling experience and the subject matter can be tough to digest. No one wants to think about being in a car accident, experiencing a break in, losing everything in an apartment fire or any other sort of bad, unexpected event. But these things can happen, so you’ll want to be prepared.
And don’t let any initial confusion or preconceived notions drive you away. You’re a millennial, after all! Your generation is always tackling new challenges and expanding the way the world works, oftentimes in brilliant ways.
Insurance provides essential financial protection for your future, so now’s the time to start “adulting” and take that first step.
Here are five tips for buying insurance:

1) Shop smart. When looking for insurance, your No. 1 priority should be to find adequate coverage. Price is important, but you’ll want to determine what kind of coverage you need first. Then you can fit that coverage into your budget and determine which carrier can provide you with the most comprehensive policy for your situation. You may be tempted to choose insurance with the lowest price tag, but if you don’t have enough coverage (or the right kind of coverage), you will see less financial benefit when it comes time to file a claim.

2) Look for discounts. Once you evaluate your coverage needs, factor in your budget and find ways to save. Ask your insurance agent if there are any discounts on your coverage. Often, carriers offer discounts for things like paying your policy in full, staying auto accident-free or, if you’re in school, getting good grades. You also can save money by “bundling” multiple policies, such as purchasing a home and auto policy from the same carrier.
3) Fill in the gaps. An average policy will cover the basics, but you may need to add extra coverage to meet your unique needs. For instance, you may have items like electronics or a nice piece of jewelry that would be financially difficult to replace, even with the assistance of your average renters or homeowners policy. You may want to add additional coverage for these items.

4) Purchase life insurance—you aren’t too young. Life insurance is essential, no matter how young or old you are. And for millennials, buying now may be a smart move because it’s cheaper to buy a life insurance policy when you’re young and healthy. This kind of insurance can help your family cover unexpected costs in your absence, including student loan debt or a mortgage, in addition to end-of-life costs. And if you have kids, a life insurance policy can also support their education or childcare expenses. Additionally, every millennial should consider long-term disability coverage, which helps you stay afloat financially if an accident happens and you become disabled and unable to work.

5) Talk to an independent agent at Two Rivers Insurance Group. Our independent insurance agents are an essential resource when purchasing insurance—especially if this is your first time. As an independent insurance agency, we work with multiple different carriers, which is different from captive agents who can only sell insurance from the carrier they work for. Two Rivers Insurance Group help make sure that you are getting the best coverage, for the best price. You’ll also benefit from independent agents’ insurance knowledge; they know how to talk you through your options and actually explain what each policy includes. At Two Rivers Insurance Group we will make sure all of your assets are covered, help you find discounts or other ways to save, and be a valuable resource as your life changes and your insurance needs change, too. Call us today!

To our Valuble Customers, We are experiencing another Phone outage in our area, our email is available for contact
http://www.tworiversig.com/contact

Thank you~
Two Rivers Insurance Group

Hey all you renters out there....what would happen if you or your neighbor accidently left a candle unattended and your place caught fire? Are you properly insured? What would you do about all your lost personal belongings? Could you afford temporary housing until your place is put back together?
Did you know that for about 34 cents a day, you can cover $20,000 of your personal belongings plus get money for housing? Don't wait until it's too late, contact me at Two Rivers Insurance Group (732)-747-6663 to learn more...and sleep a little sounder.

HELP WANTED

Insurance Customer Service Representative (Red Bank)

Our growing agency needs to add a new member to our team! We are hiring a part-time customer service representative to work with our existing client base.
This position will be primarily responsible for new and renewal personal lines insurance servicing to include: assisting clients with policy changes, application preparation and follow-up, producer support, creating and maintaining client files and data, and other clerical duties as assigned. An excellent phone presence and willingness to work as part of a team are critical to the position.

SKILLS REQUIRED - We need a fast learner who possesses:
Previous customer service experience
Excellent written and oral communications
Attention to detail
Strong computer skills
Strong organizational skills
Familiarity with paperless office concept
A positive and professional attitude

P&C License not required but definitely a bonus.

Please email your resume or fax to 732-747-6626