The Personal and Professional Safety Net

Anyone with a fair amount of life experience under their belt will tell you that despite the ambiguity that seemingly coats our ongoing schedules, certain situations will take shape that catch us completely off-guard, measuring how much we tend to take things too much in stride. There are always going to be events happening in life that we could never have seen coming, which is why people with some stories to tell will always encourage those less knowledgeable to take preemptive measures in the event the unexpected happens and throws a curve ball at the most unexpected of times.

When the unforeseeable should in fact happen to occur in life, we want to be prepared by whatever means. Whether such an occurrence takes shape either personally or professionally, we want to make sure we are prepared, which is why individuals like Farmers Insurance agent Louis Campisano are available to provide solutions that help us through tougher times in life.

Mr. Campisano is a representative of Farmers Insurance Group, one of the most established insurers that has been helping individuals, families, and businesses through complicated situations for over 85 years. Louis Campisano and his team at Farmers can walk you and yours through the various different coverage options available to you, and figure out which options best suit your personalized needs.

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If you happen to be your own boss then you know the unpredictability that comes with running any kind of organization, no matter the size or structure. A lot of different factors have to be taken into consideration when running a business, and agent Louis Campisano can walk you through the various business life insurance options that can help you and your employees sustain your business and grow without unpredictability jeopardizing your operation.

Mr. Campisano is also well aware of those personal policies that everyone should take into consideration, including automobile, motorcycle, recreational, home, renters, and life insurance coverage to give you the kind of safety need you need to acquire some much-needed peace of mind.

To learn more about Louis Campisano and the many insurance options he can make available to you through Farmers Insurance Group, visit his website for more detailed information and insight on how best to weather those unforeseen storms yet to hit the foreseeable forecast.


Proactive Measures for Unforeseen Events in Life

We are an unpredictable whirlwind of activity throughout our ongoing personal and professional lives. No one can make any kinds of predictions whatsoever when and where our lives will take us next, which is why so many people stress how important it is to have the necessary safety nets in place in the event life throws us out of the loop and into unfamiliar territory.

To make sure we are prepared when the unforeseen comes out of leftfield and rips the rug out from under us, insurance policies are made available in the event our everyday lives take a turn for the unexpected. The best way to make sure we have policies that reflect our lifestyle is to turn to experts who know the ins and outs of the insurance industry to get us covered in areas that could affect our overall well-being. This is where a knowledgeable and practiced agent like Louis Campisano enters the picture. Mr. Campisano can get you all of the peace of mind you need as a representative of Farmers Insurance, an insurance group that offers automobile, home, life, business, motorcycle, recreational, and renters insurance policies to its clients.

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The history of Farmers Insurance dates all the way back to 1922, when two associates with strong links to local farmers and ranchers recognized the necessity to help rural citizens with coverage on equipment they used far more frequently than their urbanite neighbors. By 1928, the two co-founders landed their first client. Today, the company is one of the most respected in the insurance industry, with more than 50,000 exclusive and independent agents, and approximately 22,000 employees.

Louis Campisano is a Farmers Insurance agent based out of Florham Park, NJ, and continually helps individuals, families, and businesses discover the different kinds of policies that are available to help guide them towards coverage that will prove most beneficial when the least of expected scenarios comes uninvited into your life.

To learn more about Louis Campisano and/or Farmers insurance policies, visit his website for detailed information and insight on how to get an upper hand on life.

Home renovations: Keeping the costs low

Home renovations are expensive. The average cost of remodeling a bathroom is around $16,000, while renovating the kitchen is about $20,000. Still, renovating can be a worthy endeavor especially if the homeowner is looking to improve the look and feel of the house, make the most out of their investment, or increase the property’s resale value. Some renovation projects can get out of hand, however, and that can result in expenses that the property owner certainly did not sign up for.

Keeping costs low means making some adjustments to the renovation plans. For instance, one way to save on expenses is to DIY the demolition part of the job. For renovation jobs around the exterior of the home, doing the demolition can save the homeowner up to $550, compared to when they hire a pro to do it for them.

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Planning the remodeling around the current plumbing is also recommended to keep costs low. Relocating fixtures like toilets and showers entails a lot more in materials and installation time. Upgrading old fixtures without moving them can lead to larger savings. In addition, focusing on simplicity instead of going for elaborate designs can help decrease costs and still ensure higher resale value.

Making the most of the space already available is also a great idea. Instead of demolishing a room and rebuilding to get more space, homeowners can redesign areas like their kitchen to increase efficiency without needing extra size.

After the renovations are done, it is also a good idea to update the homeowners insurance to avoid a gap in coverage. Louis Campisano is an insurance professional who can help you resolve this matter. For more resources on homeowners insurance, visit this Facebook page.

Louis Campisano Can Provide You with Quality Renters Insurance

According to the National Multifamily Housing Council, one-third of the US population lives in rented housing. This includes apartments, homes and other types of domiciles. About 42% of the renting population lives in single family units as opposed to apartments. Many of these renters have been doing so for years, often with multiple people. Vulnerability to fire, theft and other losses are at least as high for renters as they are for owner-occupied housing. In fact, the risk is higher in multi-unit dwellings since a fire in one apartment can quickly spread to others. For these reasons, it is important for renters to purchase renters insurance from someone like Louis Campisano, an agent for Farmers Insurance.

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Renters coverage from Farmers Insurance includes coverage for your possessions, liability and your valuables. Possessions include your clothing, appliances, electronics, furniture and other personal items. Often, renters underestimate the value of their possessions. Liability coverage is also important in case a visitor to your house or apartment falls or becomes otherwise injured. For example, if you rent a house and a person slips on the ice on your porch, liability insurance will cover you in case of a lawsuit. Finally, coverage for your valuables is important. Perhaps you own some valuable jewelry, an expensive watch or even some furs. Make sure these are covered in your policy.

Periodically, you should perform an inventory of your possessions and valuables. Create a list of each item and include a photograph or video of it. Your inventory will enable you to prove ownership in the event of a claim and it will maximize the dollar value you receive from Farmers Insurance.

Louis Campisano emphasizes to renters that the cost of insurance is much less than that of a homeowners policy. In essence, renters insurance covers items inside of the units, not the unit itself. On average, the cost for a policy can be as low as twenty dollars a month.

Louis Campisano Will Handle Your Workers’ Compensation Insurance

Every year, thousands of people get injured on the job. Many of these injuries happen in the manual trades, but a surprising number occur in white collar settings. Back injuries from improper lifting, foot injuries from heavy objects falling and repetitive motion injuries from hours of typing at a keyboard occur in office settings. As a manager or owner of a business, you need to protect your company and your workers by making sure that you have Workers’ Compensation Insurance. You can purchase this coverage through Louis Campisano of Farmers Insurance.

By partnering with Farmers Insurance, you tap into a repository of expertise within the industry. If your agent is Louis Campisano, he will explain how to handle an on the job injury. You will receive a list of medical facilities that will help your employee. In addition, you will receive guidance on ways to avoid a lawsuit. You want your employee to return to work quickly and Farmers Insurance wants to minimize its payments to the worker so you both have an interest in making sure that the employee gets well quickly.

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Because of its significant resources, Farmers can help you in many ways. Its experts will review cases to make sure that fraud is minimized. Safety inspectors can visit your workplace to identify hazards and explain how to correct them. They can also provide information to employees on safety practices.

Louis Campisano can tailor a Workers’ Compensation Insurance policy for your particular business. If you run a restaurant or a secretarial service, you do not want to pay the rates for a higher risk business such as manufacturing or construction. Based on the activities of your employees and the degree of risk on the job, your agent will quote you an appropriate rate.

Make sure that your business and your employees are protected.

Louis Campisano Can Provide Business Insurance for Your Firm

If you live in northern New Jersey or the New York City area and own a business, you need business insurance. This kind of coverage can span a wide spectrum so it is helpful to understand your options. If you have additional questions, you might call Louis Campisano, an agent with Farmers Insurance.

1. Worker’s Compensation: If an employee gets injured on the job, your business needs to protect itself with this type of policy. It will pay for medical treatment so that your worker can get back to his or her job quickly.

2. Liability Coverage: Anybody can sue your business for any reason. Some of the reasons have a better chance of winning in court. An injured employee could sue you for negligence that caused her injury. A customer could sue for damage resulting from a product or service that was defective or injurious. If your agent is Louis Campisano, he and Farmers Insurance will provide you with attorneys to litigate a liability claim and pay it off if it is awarded.

3. Crime Coverage: If you run a bricks and mortar business, there is always the possibility that a criminal will break in or rob you. But there is also the possibility that an employee can embezzle your funds or somebody can steal your checkbook and try to cash company checks. Farmers will protect you if you have such coverage with them.

4. Property Coverage: Hurricane Sandy decimated properties in northern New Jersey and New York City. If you owned a business but did not have property coverage, the damage from high winds could have wiped out your property and inventory, and caused you to declare bankruptcy. Property coverage would have protected your business.

While it is an added cost, business insurance is a necessity. It can make the difference between staying in business after a calamity and declaring bankruptcy.

More about Louis Campisano can be read on this website.