​Michael J Hochron Insurance Agency 

Closter, New Jersey

317 Harrington Avenue Closter New Jersey

Call today for an appointment: 201-768-9086

Would you like information about becoming a customer member of a carrier like Franklin Mutual?

Service line protection endorsement from Franklin Mutual Insurance company available to clients  


​This added coverage will insure direct physical loss to service line covered property that is caused by a service line occurrence at the residence premises. Occurrences include wear and tear, collapse, as well as, rust or other corrosion. 

Service Line Covered Property
  Electrical
  Water
  Heating
  Natural gas
  Waste disposal
  Internet access, telecommunication services, wide area networks or data transmission

If service line covered property requires repair or replacement FMI will pay up to the limit shown for this endorsement.

Coverage Includes:
  Cost to repair or replace damaged property
  Cost of excavation
  Cost to repair or replace lawns, landscaping, driveways, patios and walkways

Insured's can choose to purchase a  limit of $10,000, 15000 or 25000 for this special

endorsement. This valuable coverage is available for premium far less than available from other sources.
 

We are very pleased to announce that Beginning in January 2018, each FMI
homeowner insurance policyholder will be eligible to receive a FREE Roost Smart Water
Leak and Freeze Detector valued at $49.95.

What is a Roost?

​​The Roost Smart Water Leak and Freeze Detector is designed to sense water leaks as well as humidity and freezing temperature situations. It delivers smartphone alerts via the
Roost mobile app to help minimize water damage and loss. This smart Wi-Fi detector sets
up in less than 5 minutes and can be easily located in places around the home that are
most prone to water leaks such as sinks, hot water heaters, toilets and various appliances.


Have you ordered your Roost? 


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What to look for when purchasing a homeowner/ tenant/condo/ coop policy:

1)A company that offers you choices like open perils, replacement cost and extra coverage and discounts to meet your individual needs. 

2) A policy that can grow and change with your families changing needs. 

3) Carriers that write separate excess liability or endorse an  excess liability policy on to your home policy. One bill is more convenient.

4) Coverage on a replacement cost basis: when you have a claim it will be settled on the basis that old will be replaced with new.


Call our office and discuss your special needs with one of our experienced agents.


       Condo                                                Course of construction                                         Family Home                                                        Apartment Building or COOP

If you call it home, we can help you with the insurance coverage that will meet your needs. whether you  live in a single family home, condo, coop or apartment we have a policy  for you. We can even insured homes in the course of construction. our homeowner companies write coverages meet the needs of today's homeowner. coverages like open perils policies, replacement cost contracts, home business coverage, identity theft protection, jewelry coverage, excess liability coverage u-p to  $5 million, and so much more. We offer coverage customized to meet your needs. Choose higher deductibles for premium savings without sacrificing other coverage within the policy.