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IN MEMORIUM-Tammy Schaper 5/23/1974-2/7/2015
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 Welcome 

Glenn Insurance, Inc. is a Trusted Choice Independent Agent with offices in Absecon and Vineland, New Jersey. We have created this site to be your complete insurance resource and to assist you with all of your insurance needs. You will find links to insurance information, free quote requests, online customer service and more.

 
We are always available to offer you personal, expert help with all of your insurance needs. Please don’t hesitate to call or email us.
 
 
 
 Featured Articles 

Lightning Coverage and Safety

 Lightening

Damage caused by lightning, such as fire, is covered by standard homeowners and business insurance policies. Some home and business insurance policies provide coverage for power surges that are the direct result of lightning striking a home or business. There is also coverage for lightning damage under the comprehensive portion of an auto insurance policy.

With the explosion in the number and value of consumer electronics in homes, such as flat screen TVs, home entertainment centers, multiple computers, gaming systems and other expensive devices, it is more important than ever to take precautions.

Preventing Losses

The Insurance Information Institute offers the following tips to protect homes and businesses against power surges and lightning strikes:

1. Install a lightning protection system. A lightning protection system supplies structural protection by providing a specified path on which lightning can travel. When a building is equipped with a lightning protection system, the destructive power of the lightning strike is directed safely into the ground, leaving the structure and its contents undamaged. The system includes a lightning rod or air terminals at the top of the house that can be disguised to look like a weather vane and wires to carry the current down to grounding rods at the bottom of the house. According to the Institute for Business & Home Safety (IBHS), the lightning protection system needs to be securely anchored to the roof; otherwise it may whip around in a storm and damage the building. So make sure to have a licensed electrician install your lightning rod and protection system.

2. Use surge protectors. Today’s sensitive electronic equipment is particularly vulnerable to lightning. To assure the highest level of protection, UL-listed surge arrestors should be installed on electrical service panels. Installations typically include surge arrestors for the main electric panel, as well as incoming phone, cable, satellite and data lines. Surge arrestors protect against damaging electrical surges that can enter a structure via power transmission lines. By filtering and dissipating the harmful surges, arrestors prevent electrical fires and protect against electrical discharges that can damage a building's electrical system, computers, appliances and other systems. UL-listed transient voltage surge suppressors can also be installed to protect specific pieces of electronic equipment. Keep in mind that power strips offer little protection from electrical power surges.

3. Unplug expensive electronic equipment. As an added precaution, unplug expensive electronic equipment such as TVs, computers and the like if you know a storm is approaching.

Do’s and Don’ts for Lightning Safety

1. When Thunder Roars...GO INDOORS! Take shelter in a home, large building or substantial fully enclosed building, preferably protected with a lightning protection system. Hard topped-vehicles are generally safe shelters, as well.
 
2. Avoid areas where you will be the highest object. If you are caught in an open field with no nearby shelter, and your hair begins to stand on end (an indication that lightning is about to strike) drop down and crouch with hands on knees, rocking up on the balls of your feet. (The idea is to make as little contact with the ground as possible.) Never lie down flat or place your hands on the ground.
 
3. Certain locations are extremely hazardous during thunderstorms. Avoid lakes, beaches or open water, fishing from a boat or dock, riding on golf carts, farm equipment, motor cycles or bicycles. Take shelter in tunnels, subways, even ditches or caves if necessary—but never under a tree!
 
4. If caught on high ground or in an open area, seek shelter in a low area and stay away from trees. A small grove of bushes or shrubs is preferable to lone trees.
 
5. To avoid side flashes (voltage from a nearby struck object) stay clear of fences or isolated trees. Keep away from telephone poles, power lines, pipelines or other electrically conductive objects.
 

6. Stay off the telephone! In your home, don’t stand near open windows, doorways or metal piping. Stay away from the TV, plumbing, sinks, tubs, radiators and stoves. Avoid contact with small electric appliances such as radios, toasters and hairdryers.


Our Life and Health Department has contracted with top providers including AARP, Horizon Blue Cross Blue Shield and Mutual of Omaha for Medicare Supplement, Medicare Advantage and Part D Plans. If you are currently enrolled in Medicare or will be enrolling soon, we can assist with plan selection to ensure you get the best Medicare supplemental coverage. For more information, visit our Medicare Supplements page.
 
 

 

Glenn Insurance has been appointed as an agent for Teachers' Insurance Plan of NJ. We are one of only 20 agents in the state to be appointed as agents for this company, which previously only wrote their policies directly - not utilizing local agencies.

Teachers' Insurance Plan of NJ offers automobile insurance at reduced rates to teachers, retired teachers and other school employees. In addition to reduced rates, these policies include roadside assistance and offer $0 deductible for accidents or damage occurring on school property.

If you, a family member, or friend think that you might be eligible, Contact Us for a quote.


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