New Jersey
New Jersey — the half of the tri-state we know just as well.
Many of our NY clients own or rent in Jersey City, Hoboken, Newark, or Edgewater. New Jersey has its own auto-tort framework, its own homeowner quirks, and its own no-fault rules — and we write across the river fluently.
What's different about NJ — at a glance
- Verbal-threshold vs zero-threshold tort selection. The choice has a much bigger long-term financial implication than the premium difference suggests. We walk you through it.
- NJ no-fault PIP. Minimum vs realistic limits given NJ medical-cost realities.
- NY-titled car, NJ garage (or vice versa). The right way to structure when you live across the bridge from where the car sleeps.
- Hoboken / JC condo HO-6. Walls-in vs all-in, master policy review, loss assessment.
- Workers' comp for NJ-registered small business. Required from your first employee — different from NY's threshold.
Want a real local agent on the phone?
We answer the phone, in English, Mandarin, and Spanish.