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Personal Lines insurance is for protecting your everyday needs. This is your car, house, liability, toys and personal property. 

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Key Things To Know


-Key Factors in the price you pay are your location and driving history.

-At fault accidents, moving violations, claims, and insurance history all play the biggest roles in premium.

-An easy way to save money is to make "PIP" coverage secondary and your health insurance will cover injuries suffered from an accident.


- Valuation is everything! Provide accurate information about your home so that we can be accurate in coverage amounts.

-Personal property is everything you own. If you put everything in a moving truck and relocated, how much would it cost to replace those items?

-It is one of the biggest investments you will make in your life, protect it.


-The more we know, the better we can do.

-Do not give false information! Insurance fraud is illegal.

-Don't think "what are the odds of         ", think "well what happens when       "


Policy Types

Buying a House



Buying a home is one of the biggest purchases you will make in your life, let us make one aspect of it much easier. Raymond G. McCarthy has built a program directly aimed at helping NJ realtors and home buyers lives a little bit easier.

We develop a direct relationship between our personal lines department and Realtors or their real estate agencies. This will help the realtor make their clients home buying experience that much better. 

Go the extra mile for home buyers by presenting them an array of coverage options.

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With 11+ carriers for auto insurance we can assure you we will evaluate and quote your policy with trusted, responsible Carriers

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