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Independent Agents Serving New Jersey Consumers Since 1962 https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/1617721801616-WKTAVZZV81WTMXCOO1XW/Home%2525252BPage%2525252BPhoto.jpg Home Independent Agents Serving New Jersey Consumers Since 1962 https://www.lichtenbergeragency.com/services daily 0.75 2021-03-24 https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/1614798971919-TUFRUI7LGA41IQGUA2Q6/Services-Tenant-2-Edited.jpg Services - Tenant Insurance Renters face many of the same risks that homeowners do. Your landlord or rental association’s insurance covers the building structure, but it doesn’t cover your personal liability or your belongings in case of a loss. In addition, renter’s insurance will pay expenses if your home becomes uninhabitable due to a covered loss (fire, windstorm, etc). Rental insurance covers: Your liability if someone injures themselves on your property Your personal belongings – furniture, clothing, etc. Additional living expenses arising from a covered loss Additional features you can choose for added security: Replacement Cost on Contents Additional Coverage for Jewelry, Furs, Antiques, etc. https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/1614802054255-XW2I9K5AP3IYCB6IV410/Services-Home-Edited.jpg Services - Home Insurance The biggest investment most people will ever make is in their home. That’s why it makes sense to protect yourself with a comprehensive homeowners plan. Basic protection you need for: Your single or two-family home or condominium Other buildings or structures on your property Your personal belongings – furniture, clothing, appliances, etc Additional living expenses Your personal legal liability Special features you can choose for additional security: Home Replacement Guarantee Replacement Cost on Contents Additional Coverage for Jewelry, Furs, Antiques, etc https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/1614798746182-NXNW9RFTOETNEUCPQW8T/Services-Auto-Edited.jpg Services - Auto Insurance To properly protect yourself, your family, and your assets from liability lawsuits, it’s important to maintain the proper level of coverage for your particular situation. If you have any questions about what level of coverage is right for you, let us customize a cost-effective plan that best suits your needs. Auto Coverages Required By Law Liability Coverage Personal Injury Protection (PIP), also called “No-Fault” Coverage Uninsured and Underinsured Motorist Coverage Optional Coverages Additional Income Continuation and Essential Services Expenses (if you are unable to perform your normal duties due to an accident) Comprehensive (fire, theft, vandalism, water damage, etc.) Collision (damage to your own vehicle) Rental Reimbursement (provides transportation expenses after an accident) Towing and Labor https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/1614798945427-UX8VKVIJ0IWYOVN42F2F/Services-Flood-Edited.jpg Services - Flood Insurance Homeowners who live in flood prone areas should know that a standard home insurance policy will not cover damages caused by a flood. Even if your home is not located in a flood zone, you have a 26 percent chance of experiencing a flood loss as opposed to the 9 percent chance of fire during the course of a typical 30-year mortgage, according to the NFIP. A flood is, “a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from: Overflow of inland or tidal waters Unusual and rapid accumulation or runoff of surface waters from any source Mudflow Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above. https://www.lichtenbergeragency.com/about daily 0.75 2021-03-24 https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/1614870059920-KOXCYCBFQYMW9ZWVHV5I/About-Us-Edited.jpg About - As a consumer, you’re surrounded by choices… Which company is best for me? How much insurance do I need to buy? What can I do to save money on my policy? Our job is to provide you with all the choices that insurance marketplace has to offer, answer your questions and concerns, and guide you in choosing the policy that’s right for you. The Lichtenberger Agency LLC has been serving New Jersey consumers since 1963. As a family owned and operated business, we understand your specific needs – we’re your neighbors, the people you see at the local market, and many times we’re your clients too. We believe that the only way to do business is to build relationships with people by earning their trust. Our many years in the New Jersey insurance business are not due to fancy advertising slogans or marketing gimmicks, and we’re not some anonymous voice on the phone that won’t be there the next time you call. We’re confident that the advice we offer as experienced professionals can save you money while providing you with the best product for your insurance dollar. Our job — to help you understand what your coverage options are, exactly what you’re buying, and how you can save money – is to make you confident too. Know that we’re always here for you, the client — that’s where we’ve been for over fifty years. https://www.lichtenbergeragency.com/quotes daily 0.75 2021-03-24 https://www.lichtenbergeragency.com/contact daily 0.75 2026-01-09 https://www.lichtenbergeragency.com/billing daily 0.75 2021-04-05 https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/6f4e2bcb-9e89-49e1-8b8f-c22e56973034/MIG+Edit.jpg Billing Mercury https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/6839f3c6-adc4-4b30-9007-2605d753a7a4/MET+Edit.jpg Billing https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/30386047-b80a-4088-a92e-6a268975ee31/PLY+Edit.jpg Billing https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/761a9563-6977-48f7-b879-c73e3322e1b1/PRO+Edit.jpg Billing https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/17b8419d-9c7c-4f25-9b73-05df648039d5/TRA+Edit.jpg Billing https://www.lichtenbergeragency.com/metlife-billing 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coverage is right for you, let us customize a cost-effective plan that best suits your needs. Auto Coverages Required By Law: Liability Coverage Personal Injury Protection (PIP), also called “No-Fault” Coverage Uninsured and Underinsured Motorist Coverage Optional Coverages: Additional Income Continuation and Essential Services Expenses (if you are unable to perform your normal duties due to an accident) Comprehensive (fire, theft, vandalism, water damage, etc.) Collision (damage to your own vehicle) Rental Reimbursement (provides transportation expenses after an accident) Towing and Labor https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/1614798945427-UX8VKVIJ0IWYOVN42F2F/Services-Flood-Edited.jpg Mobile Services - Flood Insurance Homeowners who live in flood prone areas should know that a standard home insurance policy will not cover damages caused by a flood. 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A flood is, “a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from: Overflow of inland or tidal waters Unusual and rapid accumulation or runoff of surface waters from any source Mudflow Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above. https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/1614802054255-XW2I9K5AP3IYCB6IV410/Services-Home-Edited.jpg Mobile Services - Home Insurance The biggest investment most people will ever make is in their home. That’s why it makes sense to protect yourself with a comprehensive homeowners plan. Basic protection you need for: Your single or two-family home or condominium Other buildings or structures on your property Your personal belongings – furniture, clothing, appliances, etc Additional living expenses Your personal legal liability Special features you can choose for additional security: Home Replacement Guarantee Replacement Cost on Contents Additional Coverage for Jewelry, Furs, Antiques, etc https://images.squarespace-cdn.com/content/v1/602c233a7452c92552df8a53/1614868418838-BWVQO9HD47143U4CBEJ1/Services-Tenant-2-Edited.jpg Mobile Services - Tenant Insurance Renters face many of the same risks that homeowners do. Your landlord or rental association’s insurance covers the building structure, but it doesn’t cover your personal liability or your belongings in case of a loss. In addition, renter’s insurance will pay expenses if your home becomes uninhabitable due to a covered loss (fire, windstorm, etc). 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