Stuber Insurance Agency will be closing at 3pm Friday, May 26th

Stuber Insurance Agency will be closing at 3pm Friday, May 26th and will reopen Tuesday, May 30th at 8:30 am to observe the Memorial Day Holiday.

Do you need to make a payment or report a claim?

 

Click Here to visit our “Submit Claim/Make Payment” page to contact your carrier directly day or night.

 

Our Holiday Schedule

Stuber Insurance Agency wishes you a Happy New Year!
 
Our Holiday Schedule is as Follows:
 
Friday, December 30th – Closing at 3pm
Monday, January 2nd – Office Closed
 
We will resume normal office hours on Tuesday, January 3rd.

Closing 12pm Friday December 9th

Stuber Insurance Agency will be closing today Friday Dec 09th at 12 noon for our annual Holiday party and will reopen Monday Dec 12th at 8:30am.

Agency will be closed in observance of Independence Day

Stuber Insurance Agency will be closed in observance of Independence Day at 3:00pm on Friday, July 1, 2016 and will reopen Tuesday, July 5, 2016 at 8:30 a.m. We wish everyone a safe holiday!

Work Assured with coverage for your contracting business

For many contractors, spring means the start
of your busy season. After all, how many
houses are painted or have an air-conditioner
installed in the middle of winter?

However, when was the last time you looked over
your contractor’s insurance policy? Could your
coverage use a little sprucing? If so, take a look at
these suggestions from Preferred Mutual about a
contractor’s basic insurance needs and see how your
current plan compares.

click here for full article

5 Dos and Don’ts of Flying a Drone

Drones are exploding in popularity in the tri-state area and so are the news stories about someone flying too close to a commercial aircraft or shooting down a drone. These are real incidents, but with these five dos and don’ts of drone operation, you don’t have to experience one.

  1. Do know your drone — and your capabilities. Practice your maneuvering skills, including safe landings, in an open field or empty parking lot. You could even join a local club to learn how to fly. Once you do, be sure to stay away from people, wildlife, public events and, yes, your neighbor’s pool party.
  2. Don’t forget to register your drone. In the eyes of the Federal Aviation Administration (FAA), your drone isn’t a toy. It’s an Unmanned Aircraft System, one you need to register with the agency.
  3. Don’t fly above 400 feet or within 5 miles of an airport. If you do, you’ll violate FAA guidelines. Though flying near an airport may be possible after first obtaining clearance from the facility and control tower.
  4. Do get authorization for commercial use. If you use a drone for commercial purposes, such as taking photos for your real-estate business, you must get FAA authorization Just using a drone for personal recreation? No authorization required.
  5. Do understand the risks. Drones can weigh up to 55 pounds, so there’s the potential for them to cause some serious damage – damage for which you might be liable. However, not all homeowners insurance policies provide liability coverage for hobby or model aircraft. Give us a call to find out what kind of coverage you might have.

Hey, we get it. Drones are affordable, fun to fly and have a number of interesting uses, such as aerial photography. Just remember to be smart and safe while yours is in the sky. And, if you’re being impacted by someone else’s drone use, it’s best to talk it through. Because we here at Stuber Insurance Agency don’t want to see you on the local news!

How Efficiently (or Inefficiently) Do You Use Your Heat?

Many homeowners in New Jersey see their energy bills each winter and think, “How can I be spending this much when the house isn’t even that warm?”

To get an answer to that question, you should start with some other questions that will help determine just how efficiently you’re heating your home.

  • Where is the warm air going? If you’ve got a leaky house, you’re costing yourself money, plain and simple. Heat ends up escaping and cold air keeps flowing in, which means you either turn up the thermostat or just shiver in your living room. The U.S. Department of Energy recommends getting an energy audit so you can find and seal the gaps.
  • When is the heat on? Are you keeping the house at the same temperature all day and night? Even when you’re or sleeping or at work? There’s no reason to, and programmable thermostats mean you can still have a warm house when you wake up and when you get home.
  • How often do I use space heaters? If you find that you’re using space heaters to supplement your main heating system, you could be masking a bigger problem — and actually increasing your energy costs. Addressing underlying issues, such as a furnace that isn’t working well, can be more cost-effective in the long run.
  • Am I maintaining my system? A lot of homeowners simply forget to do things such as changing their air filter regularly or getting periodic examinations of their furnace. These routine tasks can not only prevent more costly problems down the road, they can help you more effectively heat your home right now.
  • Is my fireplace hurting more than it’s helping? It could be, if you always leave the damper open even when you don’t have a fire going. And, if you have the damper closed, a leak can make it yet another place where warm air gets out and cold air seeps in. Check the seal around your damper, and consider using a chimney balloon when you aren’t using the fireplace.

Taking some time to answer these questions can increase your efficiency, decrease your bills and perhaps even prompt another, more pleasant question this winter: “Is it too warm in here?”

How to Stay Safe After a Winter Car Accident

The days are short. The air is cold. And, roads are often slick with rain, snow or ice.

 

It’s winter driving season in New Jersey. And, while most people know what to do to try to avoid an accident, many don’t know what to do after one. It’s vital knowledge to have, because the aftermath of a crash can be just as dangerous as the crash itself — especially when it’s cold and snowy.

 

Here are five things to do (or not do) if you’re in an accident this winter to help keep yourself and others safe:

 

  1. Make sure everyone’s OK — then get off the road if you can. The safety of everyone involved in a crash is the first concern, of course. So, check on the occupants of each vehicle and call for emergency assistance if it’s needed. Then, if the vehicles are drivable, get them off the road as soon – and as carefully – as possible.
  2. Stay in your car if you can’t safely move away. If you can’t get your car off the road, but you can get off the road, wait until there’s no traffic around and then move well out of the way. Otherwise, stay in the car so you’re protected from other vehicles.
  3. Stay visible — and warm. Turn on your hazard lights and put up road flares so other vehicles know something is wrong. And, grab your vehicle emergency kit (you have one, right?) for blankets and extra clothing. If you’ve run off the road and you’re still in your car, make sure nothing is blocking your exhaust pipe. Otherwise carbon monoxide may build up.
  4. If you’re stranded, stay put. Running off the road in a remote area is scary, but resist the urge to try to walk for help. You risk getting lost, especially during a storm, if you set off on foot.
  5. See a crash? Don’t always stop to help. Being a Good Samaritan could cause more problems than it solves. So, if those involved aren’t in immediate danger, call 911 and let the professionals help with medical aid and traffic control.

 

It’s not always easy, but keeping a cool head after an accident will do more than help everyone get through a stressful situation — it will help keep everyone safer, too.

 

And, remember, if something does happen on the road this winter, your Stuber Insurance agent is here to help with your auto accident claim. If you’re unsure whether you’re carrying the right coverage, call now before it’s too late!

Stuber Insurance Agency Closed for Presidents’ Day

We’d like to inform you that Stuber Insurance Agency will be closed on Monday, February 15, in honor of Presidents’ Day. We will resume normal operating hours on Tuesday, February 16.

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