Frequently asked questions
Our Insurance Products
Understanding the coverage you buy is important, but the language of underwriting can be a little difficult for those who are new to it. That's why John H Izdebski Inc. focuses on explaining auto insurance coverage in a common sense way that members in Toms River appreciate. That way, it's easier to enjoy your vehicle with the assurance you understand what is covered in the event of an accident.
Auto policies tend to start with liability coverage, and the right amount can depend on the vehicle you drive, the state's requirements, and other factors. Once you have the liability package you need, collision coverage is there to help take care of any covered damage your vehicle takes in the event of an accident, and comprehensive packages are there to cover you in the event of an incident when the vehicle is not in motion. John H Izdebski Inc. works with Nationwide to provide drivers with a wide range of coverage choices. After you find the right coverage levels for your vehicle, we will apply discounts you may qualify for such as for safety equipment in the vehicle or your safe driving history.
Finding out more about our policy options is easy. Our offices can be reached at (732) 349-2300, and agents are happy to take set appointments for in-person consultations at our office located at 240 Main St.
If you have recently purchased a new home after owning another for many years, you may need to review your home insurance needs. Our agents at John H Izdebski Inc. are here to help you discover new lines of coverage relevant to your needs. Your homeowners policy is going to be with you as long as you own your home, so make sure it is going to work hard to protect the things that matter most to you.
Home insurance policies are not one-size-fits-all. In fact, the wide variety of property types and many different features found inside homes require a different approach. In order to give our valued customers more personalized insurance solutions, we have chosen to team up with Nationwide, a leading provider of home policies and other insurance products. This allows us to offer more tailored policies that more closely address the particular needs facing your property and family.
An insurance policy personalized to your needs gives you better value in the long run and grants improved peace of mind. Speaking with John H Izdebski Inc. is one of the best ways of making sure that your coverage is doing all the work that you need it to. If you have questions or concerns about your coverage needs, call John H Izdebski Inc. at (732) 349-2300 or visit our office at 240 Main St.
Life is full of uncertainties. Your family’s financial well-being shouldn’t be one of them. As you shop for life insurance in Toms River, you likely have many questions running through your mind:
• “What are the benefits of term vs. permanent policies?”
• “How much coverage do I need?“
• “How much does a life insurance policy cost?"
John H Izdebski Inc. can help you find the right policy to protect your legacy and provide financial security for your loved ones when you are no longer living.
There are a variety of factors you must consider to determine the amount of coverage you need. First, estimate the amount of debt, final expenses and other financial obligations you might leave behind. Also, think about your income and how the loss of it will affect your family. You want a policy that has a death benefit that covers those costs and leaves a financial cushion.
Next, decide what kind of policy you want. There are several types of life insurance available. Base your decision on what you can comfortably afford and your current and future financial goals.
Finally, carefully review all policy documents. A life insurance agent can provide clarity on any information or policy language you do not understand. If you have special considerations, do not hesitate to inform one of our team members.
Insurance is a smart investment. Getting the right policy is easier than you think. Call (732) 349-2300 for an appointment with an agent. Feel free to stop by 240 Main St to discuss Nationwide coverage options in person.
At John H Izdebski Inc. we don't believe business owners should leave themselves or their companies vulnerable to liabilities with insurance plans pocked full of holes. Instead, we believe in providing Toms River business owners with the sense of peace that comes from having an insurance plan that deflects the destructive effects of common and not-so-common commercial liabilities. We hope you'll turn to us and Nationwide if you're either unsatisfied with your current insurance protection or need a plan for your brand new business.
Because there are so many different options when it comes to insurance, no matter the investment you seek to protect, we always personally shape our policyholders' protection. We don't believe in a one-size-fits-all approach, and we don't expect you to settle for it. By working with Nationwide, our agency offers common commercial coverage, such as property, liability, and workers' compensation. Nonetheless, your business may be in need of special coverage, which includes (but is not all-inclusive of) professional liability, employment practices liability, key employee insurance, and directors and officers liability insurance.
Ready to discuss your options for commercial protection? We welcome walk-ins at our office located at 240 Main St. Alternately, we'd also love to receive a phone call from you at (732) 349-2300. With John H Izdebski Inc. in the passenger seat, your business journey is sure to be a smooth one
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The John H Izdebski Inc. also offers products in AZ, CA, CO, CT, DE, DC, FL, GA, IL, IN, LA, MD, MA, NY, NC, OH, OK, PA, RI, SC, TN, TX, UT, VT, VA, WA, WV, WY, NJ. Please call for information on products in those states.
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