All Around Old Bridge 2.2 Nov 2017

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Why Renters

Insurance? Michael Vitale 104 Interchange Plaza, Suite 102 Monroe Township, NJ 08831 Cell: 201.306.5988 Office: 609.655.3066 x255 Fax: 609.655.4959 Email: michael@vitaleinsurance. com Website:

thinks an insurance policy may be a large added expense. However, in most situations, the actual annual cost of a renters insurance policy is about as much as the renter pays for their monthly cable/internet bill. Mis concept ion: “I’m protected by my landlord’s policy.” In the majority of circumstances, a landlord insurance policy only covers the physical structure, not any personal property within the rental space. Therefore, in a case of a tragedy wherein the building is damaged, the landlord would be covered, while the renter’s possessions may be lost, and uncovered. Misconception: “Renters insurance only covers personal property inside my rental.” Personal possessions are important to everyone, whether they rent or own. Although personal belongings are often a main focus of a renter’s policy, certain exterior personal property may also be covered. For instance, if someone breaks into your car and steals you property, your auto insurance policy may not cover it, the incident may be covered by your renter’s insurance. Renter’s policies also provide a liability coverage, the same as in a homeowner’s policy,

In 2016, there were approximately 75 million homeowners and 43 million renters in the United States. An estimated 95% of those homeowners had a homeowners’ insurance policy, while only about 41% of the renters had a renter’s insurance policy. Why such a large disparity? There are a few common misconceptions about renter’s insurance policies, which lead many people to often forego that specific coverage. When someone is renting a prop-

erty they are the only person who can look out for their own space, possessions, and future. There is no bank with a financial interest making sure their property or personal possessions are protected in the event of a catastrophe. Misconception: “It’s too expensive.” Usually in a rental situation, monthly costs can become the financial focus. Utility bills, cable, heating/air, and phone bills can add up very quickly. Oftentimes, a renter

The event has been held at the Old Bridge Civic Center s i n c e it w a s bu i lt i n 1 9 7 7 , Jayne Staeger and Karen Moffet the original coordinators of the apple festival held it at the Browntown School during its commencement. Old Bridge Township had been famous for apple growing in the early 1800’s. Two important apple growers were the Cottrell and Hauser families. The Cottrell family built their farm in 1831 apples that

could not be used because of poor quality were sent to the distillery located on the corner of Cottrell Road and Route 516 (where Rite Aid is now), The brandy would age in barrels in a government warehouse that was located on the Cottrell’s property and made them famous for BROWNTOWN APPLEJACK BRANDY. At the present time John Hauser of Hauser Hill Farm is the only active grower. The Apple Festival consists

of crafters, venders, re-enactors and of course handmade apple pies. All apples donated by John Hauser. Come and sit a while and share some memories. I think you may even see Mary Todd Lincoln as portrayed by Judi Cox. Local school children will be participating in the Annual Poster Contest. Let’s see who the winners are. Admission is free; for more information call Pat 732-566-5029.

Do you have a family heirloom you’ve been curious about? Stop by Temple Shalom on November 5th from 11:00 am- 3:00 pm and find out more about it! An Antiques and Collectibles Appraisal Day will take place with certified

appraisers on hand to appraise your items. The charge is five dollars for each item that is appraised. There will also be an opportunity to bring gold to sell to a representative of Gary Michaels Fine Jewelry. Light snacks will be available. Temple Shalom is located

at the corner of Church Street and Ayrmont Lane in Aberdeen. If you have any questions or need additional information about the event, contact Evan Ross at evanross4321@ or 908-601-1655.

NOVEMBER 2017 to cover legal responsibilities in the event someone is injured on your rental property. The policy might pay for medical costs incurred and legal fees accrued from a lawsuit. One other note - sometimes a rental property is intended for the short term, while other times we stay in a rental property for a lifetime. For those cases where a rental property may be temporary, the renter may only keep a limited amount of personal belongings in the space. For instance, some people rent on a short-term basis, and use a storage facility to store their belongings. Since they may not actually keep all their personal belongings physically in the rental space, they may feel as if renter’s insurance is “not worth it”. However, ALL possessions have

value and should be covered in the case of damage to your rental property. Renter’s insurance may be able to ease your worries, even on a more short-term basis. Insurance protection for renters is ultimately more affordable and has a greater value than you may think. Take some time to review your situation and assure that you are protecting your family and belongings in the most effective way possible. M i c h a e l Vi t a l e , Licensed Insurance Professional for Auto, Home, Life, Medicare Supplement, and Disability Insurances.




Come join us to kick off the holidays as we celebrate Christmas and Hanukkah by lighting the township Christmas Tree and Menorah during our annual ceremony, including holiday blessings from several local denominations. Listen to the

OBHS Choir sing some holiday classics and join the crowd caroling. Afterwards come have some hot chocolate and cookies with Santa. Bring your phone or camera’s if you want to take a picture with the Mr. Clause!!

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