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Homeowners Insurance

Protect Yourself, Your Home, and Your Finances.

Accidents can happen, even at home. If someone were to claim an injury on your property, there’s no stopping them from affecting your finances, your house, or anything else you own that can be labeled as compensation. As the property owner, you could be held fully responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice.

With a Homeowners Liability policy from Allen & Stults Co., Inc., you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued. This policy works to protect you in a variety of situations, including:

  • Claims for property damage
  • Claims for injury to others (either on or off the premises)
  • Liability defense costs
  • Medical expenses for injuries to others

Strength and Stability for Your Home.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at Allen & Stults Co., Inc., we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

  • Fire and Lightning
  • Collisions from Vehicles or Aircraft
  • Hail
  • Sewer/Drain Backup
  • Windstorm
  • Vandalism
  • Volcanic Eruption
  • Smoke
  • Freezing Conditions or Snow

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from Allen & Stults Co., Inc. who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

Having the proper Property Insurance or Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Talk with a representative from Allen & Stults Co., Inc. to determine the right amount of coverage to keep you protected today.

Our Location

Allen & Stults Co., Inc.

106 North Main St.
Hightstown, NJ 08520
Main office: 609-448-0110
Toll free: 800-792-8660

Our Providers

You have always considered and treated your clients as if they were family. You are an asset to your community. We wish you much continued success and are proud to be your clients and friends.
Thanks "Cappy" for all of the wonderful service and advice you have provided to the fraternity over these many years, Always professional and never too busy to assist in any way
We have had our home and auto through your company for 9 years and have been very happy with the service and prompt responses from our representative - Cathy Mazzolli.
It is no wonder that you have achieved such an honor with the wonderful service and personalized attention you offer your clients.
Through the years, your service to our Society has been greatly appreciated. Our best wishes to you and all who are part of Allen & Stults Co. Inc.
We value our association with you and your staff and wish you many more years of success.