Personal Lines of Insurance

Competitive Advantages

True & Associates’ Personal Lines Staff has over 75 years of combined experience.

We represent a carefully selected group of A+ rated, financially sound, reputable Insurance companies.

Get a competitive edge by allowing us to creatively tailor an insurance portfolio designed for your individual needs, requests and budget.

  • Automobile Insurance

    Whatever you drive, you have a lot riding on those wheels. It is your family and your peace of mind. Choosing the right auto insurance can help protect you from the risks associated with the road.

    We will show you all of your protection options, recommend the right limits and make sure you are receiving all of the discounts available.

    We represent many carriers with extremely competitive rates, whether you need a traditional automobile policy or specific value coverage.

  • Classic and Antique Automobile

    Protect your Classic (10 or more years old) and Antique (25 years or more years old) vehicles through this specialty policy.

  • Homeowners Insurance

    We understand homes of all styles and ages: condominiums, cooperatives, apartments, century-old row homes and newly built residences. We also understand that your home is a major investment, both financially and emotionally. If anything disastrous should happen to your home, you would want an insurance policy broad enough to help repair, replace or rebuild as it was before. The truth is that not all policies will do this. We can help tailor a policy that suits your needs.

  • Valuable Articles & Collectibles

    You bought it because you love it. Whether it is a precious piece of jewelry or memorabilia, we can help protect the possessions you cherish the most.

    Common items to protect include:

    • Jewelry
    • Furs
    • Fine art
    • Stamps
    • Coins
    • Sports memorabilia
    • Collections

  • Boat & Yacht Insurance

    True & Associates provides a safe harbor for boats large and small. Whether you own a small runabout, sailboat, yacht, or mega yacht with a full-time captain and crew – we’ll help protect you with some of the most seaworthy coverages and services available on the open water.

  • Flood and Excess Flood Insurance

    The truth is, 90% of all natural disasters in this country involve floods. And 25% to 30% of flood insurance claims come from low to moderate flood risk areas. Everyone runs some risk of flood damage, even you.

    Rivers, streams and drainage ditches can overflow and sewers can back up, making everyone vulnerable to flood damage. In minutes, a hurricane can wash away everything you have. Protect your home apartment, or business with flood insurance from True & Associates.

  • Employee Personal Insurance Consulting (E.P.I.C.)

    Individual onsite consulting for your employees. This is a free benefit to the EPIC member employee. Call us at (908) 232-0760 for more details!

  • Personal Excess Liability/Umbrella Insurance Policy

    Acting as an extra layer of protection, umbrella insurance isn’t just for the rich and famous. Whether it’s a serious auto accident involving pricey medical bills or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners or boat policies. And an expensive judgment is the last thing you want to worry about.

    Umbrella insurance is much more affordable than you may think. And in today’s world, anyone can get hit with a lawsuit. That’s why it’s more important than ever to consider an added layer of protection for your assets-and your peace of mind.

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