You've Worked Hard To Build a Certain Quality of Life For Yourself & Family
We'll Work Just as Hard
To Protect It!
Welcome to Oberman
Insurance Brokers & Consultants Since 1921
More Certainty, Less Risk
Here's How We Provide The Comfort You Seek
Homeowner Coverage Features:
Robust Personal Liability Protection with Limits Up to $100M Available
Provides unlimited legal defense costs and protects assets up to the limit you choose from bodily injury, personal injury and property damage claims stemming from your use or ownership of scheduled real estate, scheduled motorized vehicles and scheduled watercraft. Coverage can be expanded to include the management of personal employees and/or a not-for-profit organization if necessary.
Guaranteed Full Dwelling Replacement Cost
When included the policy guarantees to pay the full cost to repair or rebuild your home using like-kind quality craftsmanship and materials should a covered a loss occur. No matter how unique or distinctive your home may be.
Unlimited Loss of Use / Additional Living Expenses
When included the policy will cover the full cost of movers, storage and like temporary housing should a covered loss force you to vacate the home. No time limitations apply.
Open Peril / Replacement Cost Coverage For Personal Property
The industry’s broadest Personal Property & Contents coverage platform, with covered losses paid on a new-for-old basis without deductions for physical deprecation.
Total Loss Cash Settlement
Should the unthinkable occur, you may opt out of the insurance claim process and take a lump sum cash payment instead. No co-insurance or deductions for physical depreciation apply. You’d still own the land and may do what you like with the money.
Comprehensive Risk Prevention
The best way to protect a home is to prevent losses from happening in the first place. Most of our policyholders will receive a complimentary in-home evaluation, to help you find ways to better protect your home and to make sure you receive all the premium discounting options you qualify for. And if a loss occurs, most of the policies we sell will provide additional money with the claim payment, so you can upgrade your homes risk management features to help prevent a repeat claim in the future.
Additional Coverage Options
The following features can be tailored to meet your individual needs & concerns.
Property Coverage Options
Valuable Items &
Private Collections Insurance
Privatized Flood Insurance
Household Equipment Breakdown
Underground Utility Line Coverage
Employment Practices Liability
For Domestic Workers
Not-For-Profit Directors & Officers Liability
Family Cyber Liability Protection
Family Travel Protection
Collector Car Insurance
Yacht & Watercraft Insurance
Motorcycle & Recreational Vehicles
Managing Your Premiums
Comprehensive Discounting Options & 6 "Premium" Products to Shop & Compare
Good to Excellent Credit Score
Central Station Alarm System
Water Leak Detection System
Gated Home or Community
Auto Insurance Discounting
Amex, MC, Visa Accepted
What Our Clients Can Expect
24/7 CLAIM SERVICE, PERSONAL CARE & CONSISTENT RESULTS
Providing client satisfaction and comfort at the point of sale is one thing, however the rubber truly meets the road when a covered loss occurs and producing an exceptional experience is the goal on every claim. No matter how straight forward or complex the claim may be. That’s why we are extremely selective when it comes to the products we sell and the companies we endorse. Click here to review insurance company testimonials.
STAY NIMBLE WITH EXCEPTIONAL UNDERWRITING ACUMEN
Life changes, we get that and the insurance products we endorse are fully prepared to adjust as your situation changes. Whether it’s the formation of an LLC or Trust, inheritance of jewelry or art collection, a child living at school, hiring a personal employee or perhaps a major home renovation or construction project. Just give us call at that time and we’ll adjust your coverage plan accordingly!
TRACKING EMERGING RISKS & TRENDS
Our world is more complex than ever and the level of risk families face has never been more diverse. Whether it’s on-line threats, cyber bullying, invasion of privacy, social engineering, international travel concerns, accusations of harassment or changes in State or Federal regulations that can leave gaps in your insurance plan. We work hard to stay on top of the issues and are here to help modernize your risk management plan as things change.
PROFESSIONAL OVERSIGHT & ADDED ACCOUNTABILITY
As an Independent Agency we work for you, not the insurance company. In addition to helping clients evaluate risk, secure coverage and manage premiums we also track the insurance company’s financial position, vet their policy contracts, monitor claim performance and audit their pricing. Furthermore, we provide every client with an additional $10M in professional liability protection to safeguard against claims denied due to human error on our part.
COORDINATION AMONG YOUR TEAM OF TRUSTED RISK MANAGEMENT ADVISORS
Your property and casualty protection is a critical component to your overall wealth management strategy and we would be happy to speak to and work with your other trusted advisors to ensure your family and assets are adequately protected. Such as your financial planner, accountant and attorney.
BLENDING TECHNOLOGY & THE CLIENT-BROKER RELATIONSHIP
All the insurance companies we work with provide on-line portals, mobile apps, credit-debit card payment methods and more. However these platforms are designed to enhance the Client-Broker relationship, not replace it. This approach produces the best of both worlds. Good old fashion relationship building, personal care and attention and a totally flexible way to fit the manage your insurance policies into your busy schedules.
PROTECTING YOUR DATA AND PERSONAL INFORMATION
Your privacy is of the utmost importance and under no circumstances will we share your personal data or insurance information with a third party (unless required by law). We would also be happy to provide information on our investments in digital security and procedures and protocols when it comes to how our staff handles your data. To learn more contact Keith Cheverko (Vice President) 914.694.8550.