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New Jersey Insurance with The Della Agency

Protecting what matters most isn’t one-size-fits-all. At The Della Agency, we make sure your coverage fits your life, whether it’s your car along the Garden State Parkway, your home at the Jersey Shore, or the security of your loved ones. You can depend on Della to guide you through every step.

Serving these major areas and more:

  • Newark / Jersey City
  • Trenton
  • Princeton
  • Atlantic City
  • Camden
  • Hoboken
  • Asbury Park
  • Cape May

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New Jersey State Insurance Requirements & Recommendations

General liability is a must, and most New Jersey employers must carry workers’ compensation. Many businesses add property, cyber liability, and business interruption coverage.

The law requires at least $15K/$30K for bodily injury and $5K for property damage. But minimum coverage barely covers the cost of one ER visit. Most families choose higher limits for real protection.

Your condo association’s master policy usually stops at the walls. This policy covers your unit’s interior and belongings.

Homeowners policies may cap coverage (often around $1,000 to $2,500). Special coverage protects higher-value antiques.

Flooding can be a concern among coastal and shore homes. Most standard homeowner policies don’t cover floods or earthquakes. We’ll help you figure out what matters most, even if it means separate flood insurance.

Coverage isn’t required, but many New Jersey families choose at least 10 times their annual income to protect their loved ones. Retirement planning often includes 401(k)s, IRAs, and annuities.

The law requires the same minimums as with car insurance – at least $15K/$30K for bodily injury and $5K for property damage. Many riders add collision and medical payments for extra protection.

Popular in New Jersey’s higher-income suburban and shore areas, this adds $1M+ of extra liability over auto and home policies.

With many pet-friendly areas in New Jersey, this insurance gives pet owners peace of mind, as it covers vet bills in case of illness or injury.

Landlords usually only insure the building, not your stuff. They typically require renters insurance, which protects your belongings and provides liability.

If your RV is motorized, you are required to have liability limits as you would a car – at least $15K/$30K for bodily injury and $5K for property damage. If it’s towable, then coverage can be added to your auto or home policy.