As fall arrives and routines settle into place, it's a great time to review your insurance coverage and make sure it still fits your needs. 🍂 Whether your household has experienced changes over the summer or you're simply preparing for the months ahead, now is a good opportunity for a policy review.

• 🚗 If you changed vehicles, mileage, or driving habits, it may be time to revisit your auto coverage.

• 🏡 If you completed home projects or seasonal maintenance, confirm your home coverage still matches your property and any updates.

• 💡 If you added valuable items, check whether you need additional coverage.

• 📅 Life updates like moving, renewals, or new drivers are good reasons for a quick policy review.

• 🏡 If you made improvements to your home, make sure your insurance reflects those changes.

• 🚗 If you added a driver or vehicle, or your daily commute has changed, it’s worth reviewing your auto coverage.

Please make an appointment with me or one of my licensed team members today!

At the Lori Ramil State Farm Agency, we cater to every stage of your life, offering you coverage for your home, work, and family. Following in my father's footsteps, I established this Insurance Agency from scratch in 2008. With immense pride, we serve Englewood and the entire State of New Jersey and Pennsylvania. If you're looking for personalized Auto Insurance, Home Insurance, Life Insurance, Renters Insurance, or Business Insurance, then you've come to the right place!

Outside of work, I love being around family, creative cooking, traveling and meeting new people. I am currently celebrating 16 years of serving this community. Our Agency embraces diversity and can service you in English and Spanish. We offer pet insurance in honor of Divot, my 15 year old black Labrador who we lost in October of 2024. We were so fortunate to have him in our lives for fifteen years, call us today to assist you with your furry companion through Trupanion,. We are a pet friendly office! We are ready to meet your insurance requirements and provide you with remarkable service. Please stop in or give us a call for a free quote. Reach out today!

Frequently Asked Questions (FAQ)

Q: What's an effective way to get car insurance quotes?

A: You can get car insurance quotes online, by phone, or with a local agent by sharing details about your vehicle, driving history, and coverage needs. Serving Englewood and the surrounding area, Lori can help answer your questions.

Q: How quickly can car insurance coverage start?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. For personalized coverage in Englewood, NJ, reach out to Lori.

Q: What are the insurance requirements on a leased car?

A: Leased vehicles typically require more coverage than the state minimums. In addition to liability insurance, leasing companies usually require comprehensive and collision coverage, and you may need to list the leasing company on your policy as an additional insured or loss payee. Have questions? Lori in Englewood can walk you through your options.

Q: How does life insurance work?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. As long as coverage remains active, it can help give your loved ones financial support when they may need it most. Lori works with Englewood residents to find coverage that fits.

Q: What does renters insurance cover?

A: Renters insurance can help cover your personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable due to a covered loss. Connect with Lori for insurance guidance in Englewood.

Q: Is homeowners insurance required?

A: Whether homeowners insurance is required depends on your situation and may vary by state. If you have home financing, your lender will likely require it. Even if it's not required, many people choose to have coverage to help protect their home and everything that comes with it. In Englewood, you can count on Lori for personalized service.