Monthly Archives: October 2015

Ensure You Don’t Get Tricked into an Insurance Claim This Halloween

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This Halloween, kids throughout Newark, NJ will be coming up to homeowners and saying “trick-or-treat.” The holiday tradition of going house-to-house dressed up is a treat for homeowners, as they get to see the many varied costumes, as well as for kids who get candy. If you’re a homeowner, make sure Halloween is a treat for you, and you don’t get tricked into a home insurance claim.

Halloween Accidents Lead to Home Insurance Claims

Anytime there’s an accident at your home, you might have to file a claim against your home insurance policy. The risk of an accident occurring increases on Halloween as kids will be coming up to your front door in the dark, and candles may be used in decorations. To reduce the likelihood of an accident occurring on October 31, you can:

  • keep your front yard clear to reduce falls
  • avoid decorating with many candles to reduce the likelihood of a fire
  • secure any expensive outdoor decorations you have to reduce the possibility of theft

Check Your Home Insurance Coverage

Additionally, you ought to review your home insurance coverage before kids come trick-or-treating. Specifically, look at your home insurance policy’s:

  • liability coverage, which may cover injuries from falls
  • fire protection, which might cover house fires
  • personal property coverage, which might cover theft

If you’re uncomfortable reviewing these coverages on your own, contact us at E.S.T.I.R. Inc. We have knowledgeable insurance agents who can explain and review these different coverages with you. To reach them, simply send us a message online or call our office. We look forward to hearing from you, and hope you have a safe and fun Halloween.

What Students Need To Know About Obtaining Health Insurance

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If you are a student in Newark, there are several things that you need to know about obtaining health insurance. The affordable care act, also referred to as the ACA, requires that you have health insurance. Who provides the health insurance is entirely up to you.

There are three main ways for you to get health insurance in today’s marketplace. These include:

  • Your school
  • Your family
  • An individual plan

More and more universities across the United States are requiring health insurance coverage – and they may even include it within your tuition. This means you will have to look to see what you are spending your money on. If your school offers coverage, be sure it includes dental and vision as well. You also want to make sure that you have calendar year coverage and not simply semester coverage.

If your family plan has you included, this can offer great savings. If you are out of town or out of state, your doctor may not be within the network, however. This means that you may spend a lot of money on co-pays. It may also not provide you with full coverage if you play sports at the school.

Finally, you have the ability to explore an individual plan or you can determine all of the levels of coverage. You will want to explore deductibles and co-pays.

Regardless of where you obtain health insurance, you want to compare rates in order to make sure that you are getting the best deal and the highest level of coverage. You also want to do what you can in order to maintain a high level of health.

When you call us at E.S.T.I.R. Inc. we are able to help you learn more about obtaining health insurance in Newark. Contact us today to obtain quotes from multiple insurance companies throughout New Jersey.