Insights
Insurance insights from Stonebrook.
Straight answers to the specific questions our clients ask, from New Jersey homeowners to real estate investors and healthcare operators across the country.
PersonalWhat New Jersey’s 2026 Auto Insurance Minimums Mean for Your PolicyThe minimum rose to 35/70/25 on January 1, 2026. Here’s what changed, who it affects, and why the minimum still isn’t enough.CommercialDoes Your Apartment Building Policy Exclude Lead Paint?Many habitational policies exclude lead entirely. What that means for owners of pre-1978 buildings, and what you can do about it.PersonalIs Your Sukkah Covered by Your Homeowners Insurance?Wind, fire, theft of decorations and guests who get hurt. How a homeowners policy may respond, and how to set up safely.PersonalOne Accident, Five Coverages: Who Pays When You’re Hurt Driving for Work in NJ?Workers’ comp, PIP, health insurance, the other driver’s liability and your own UIM. How one work accident can involve all five.PersonalHome Insurance Difficulty Levels in NJ, from 1 to 10From an easy single-family home to “impossible.” The features that stack up and shrink your list of carriers.Personal“Central” Doesn’t Always Mean Hardwired: What Insurers Mean by a Central AlarmBefore you spend thousands rewiring your house: what carriers actually mean by a “central” alarm.PersonalA Tree Falls on Your Home. Is It Covered?The roof is usually covered. Removing the tree is where homeowners get surprised.CommercialWhat Insurance Does a House of Worship, Like a Synagogue, Need?Liability, property and inland marine for a Sefer Torah are the starting point. Here’s the full picture.PersonalThe Repairs Your Insurance Inspection Is Most Likely to Ask ForRoofs, water heaters and overhanging trees top the list. Here’s how to handle a recommendation without overspending.PersonalIs Lakewood, NJ a CAT Zone for Home Insurance?Most carriers find Lakewood safe. A few don’t, because of how close it is to Barnegat Bay.PersonalDo Trampolines Raise Your Home Insurance in NJ?Sort of. Carriers rarely surcharge a trampoline. They just decline the home.
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