FAQ'S 

• Homes, including historic and vacation residences
• Automobile
• Valuable Articles including jewelry, fine art, antiques and collectibles
• Personal Liability and Excess Liability
• Condominium and Cooperative
• Renters
• Watercraft
• Flood
• Earthquake
• Wind and Hail
• Equine
• Homes under construction
• Jet Skis and Personal Watercraft
• Antique and Collector Vehicles
• Motorcycles and Recreational Vehicles
• Farm and Ranch Properties
• Aircraft
• Worldwide property and liability

What’s an Annual Review?
Schielke Insurance’s Annual Review is a comprehensive review of your risks and policies. This review ensures that you are receiving the best possible combination of coverage and price. Based on our research, very few agents offer a review on an annual basis. Schielke Insurance does and this alone could save you time and money in the event of a loss.

What insurance companies does Schielke Insurance represent?
As an insurance broker, Schielke Insurance can offer its clients many choices. Schielke Insurance represents numerous insurance companies  including the Chubb Group (Chubb), AIG, and Fitchburg Mutual.

How do I get a quote for my insurance?
There are a number of different ways to contact us for a quote. Through this website you may request a consultation. If you prefer to contact us by phone, simply call us at 908-931-9030.

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About a Claim

How do I submit a claim?
If you experience a loss, simply call us. You may also contact your insurance company directly at the phone number on your policy.

Will my insurance rates go up if I have a claim?
Some claims can cause your insurance rates to increase while others won’t. Since every claim situation is different, we recommend that you contact us when you have this question.

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About Coverage

How much insurance coverage should I buy for my house?
In selecting an appropriate amount of coverage, be sure to avoid the most common consumer mistake - insuring your home for what it costs to sell (the market value), rather than what it costs to replace. Homeowner policies are designed to cover the cost of reconstructing your home should it ever be destroyed. Therefore, you should select an amount of insurance that represents the replacement value of your home. Look for a company that assists you in the valuation of your home. Additionally, look for a company that provides a payment basis called "extended replacement cost". This payment basis helps you rebuild your home even if it exceeds the amount of insurance on your policy.

Do I have coverage if I’m hit by a driver with no insurance?
Many drivers on the road either have no insurance or inadequate insurance to pay for a serious accident, so uninsured/underinsured motorists coverage is a critical part of your insurance portfolio. Referred to as 'UM/UIM', this coverage helps to protect you and your family if you are hit by a driver with no insurance or insufficient insurance to pay for serious injuries or damages. You probably have some amount of UM/UIM coverage on your automobile policy, but do you have enough? If you seek substantial levels of coverage, talk to a Schielke Insurance Specialist.

How much liability coverage do I need?
Ask yourself how much you have to lose if you are sued. The amount of personal excess liability coverage you choose depends upon your individual requirements. Review your assets: your home, other personal belongings and investments. Select a limit that provides adequate financial protection and be certain that your insurance company can provide this limit. Also, because the cost of litigation can be very expensive, look for coverage for defense costs.

Is my child’s property covered while he is away at college?
First, make sure that your child is considered a "household member" by your insurance company. Most homeowner policies offer some amount of coverage for children away at school as long as they are defined as "household members."

Is my jewelry fully covered by my homeowner policy?
Most people don't realize that many homeowners' policies offer only $1,000 in coverage for jewelry. Given that this limit is generally less than the cost of an average engagement ring, it is doubtful that most customers will have enough coverage for their jewelry. The solution is to purchase a Valuable Articles Policy so you can insure specific jewelry items. Tips on selecting a valuable articles policy: (1) look for a policy that doesn't mandate that you replace an item to receive the full value of the settlement, and (2) select a company that makes it easy to insure your jewelry by requiring appraisals only on high value items.

I live in a condominium and I’ve been told that I need to buy additions and alterations coverage. What is it?
Additions and alterations are permanent improvements made to condominiums and cooperatives. Many people mistakenly believe that the condominium association's policy covers interior improvements like floor coverings, cabinets, bookcases, wall coverings, kitchen appliances and light fixtures. Generally it does not. Additions and alterations coverage is protection you can purchase for interior improvements that you've made to your condominium or cooperative. Most policies automatically provide additions and alterations coverage in the amount of 10% of your contents coverage. If this is not enough coverage, you can purchase an additional amount.

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