J Stine Agency Inc

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J. Stine Agency Inc
Established in 1983, J. STINE AGENCY, INC. offers premium personalized service. Client testimonials throughout this web site say more than our words could. Joe Stines Insurance Agency has earned a reputation for reliability, honesty and thoroughness throughout New Jersey.

Car insurance is determined according to: Make Model Mileage Year the car was manufactured Your age plus the age of any drivers Assurance that you and any other drivers have a valid license to drive, including their license numbers There are two kinds of insurance: Bodily damage Property damage Whats covered in your policy: Liability Accidents involving uninsured motorists in your car or the other car(s) involved Principal person injury protection Vehicle damage Car rental reimbursement while your car is being repaired (optional) Should any additional features need to be added to your policy, J....

WHY DOES MY BUSINESS NEED INSURANCE COVERAGE? Again, insurance is risk transference. A third party (the insurance company) guarantees payment should anything covered in your policies go wrong. No business should be without insurance coverage. That includes mom n pop or neighborhood businesses, single owner businesses that outsource projects and larger corporations. In many cases, the law requires that you have insurance protection for your business. Otherwise, its in your best interest to...

Flood insurance is a must in order to protect your home, business and family. Loss from floods is overwhelming if youre not covered by insurance - a low cost form of protection. When you are a flood insurance policy holder: You are compensated for all your losses Coverage is relatively inexpensive You can depend on being reimbursed for all flood damages, even if the President does not declare your area a Federal disaster You do not have to repay a loan, as you...

Every home owner needs insurance to cover damage or transfer risk from himself/herself to a third party the insurance company. Every homeowner should (and in many cases, must ) have insurance against: Fire Theft/crime Accidents within the home or on its grounds (especially guests or trades people falling or having accidents, or suffering bites from a family pet) Hurricanes Flood (required by municipalities in many areas) Once you decide on your needs and what you can afford, consider the...

The Oxford English Dictionary defines life insurance simply as Insurance that pays out a sum of money either on the death of an insured person or after a specific period of time. A primary reason to have life insurance is that it provides a death benefit money that your family or other beneficiaries can use for whatever reasons they choose: Paying your final expenses, such as burial and estate taxes Family income to help maintain their standard of...

WHY DO YOU NEED AN INDEPENDENT INSURANCE AGENT?
Insurance is complicated and getting more so. Simply put, insurance is risk transference a legal tool to protect your assets.
Being uninsured - or choosing the wrong insurance agent who fails to put your needs first - could wipe you (and your family) out financially for life.
Learn to understand your own insurance needs:

How to find an insurance agent you can trust who takes time and trouble to learn about you and work with you

Insurance is a personal service business where honesty and trust are as important as the insurance policies you purchase.

What Clients are saying...
"The Stine Insurance Agency has been my insurance company for many years. I have used the Stine Agency for all my personal and business insurance needs. Their prices have always been very competitive and have always been very reliable. Whenever I had a claim or problem their service was unbeatable. I have enjoyed doing business with them and I look forward to doing business with them for many more years to come. "
Robert Johnson Custom Carpentry