Protect Your Home in Newark, NJ

Owning a home in Newark, NJ is something that many people dream of. If you have achieved this dream and you are loving the home you are in, then you also need to ensure it is protected. The best way to protect your home is by purchasing home insurance.

The key, though, is to get the right type and amount of home insurance for your needs. One of the best ways to do this is by working with a reputable agency, such as E.S.T.I.R. Inc. Some other tips to help you get the proper protection for your home can be found here.

Determine the Type of Insurance Needed

Most people think they can buy a traditional homeowners insurance policy and be fine. However, this isn’t always the case. For example, these policies typically don’t cover flooding – especially if you are in a flood zone. If this is the case, then it is essential that you purchase an additional flood insurance policy. This will ensure you have the coverage needed if a flood ever occurs.

Also, not all basic homeowner’s insurance policies will cover the outlying structures on the property, such as your pool, a shop or any other outdoor feature. If this is the case, you will need to purchase additional protection for these items as well.

Protect Yourself and Your Home

When it comes down to it, you need to purchase home insurance to not only protect your home, but also yourself. For example, if someone were injured while on your property, the right policy will cover this.

If you aren’t sure what type of insurance you need to protect yourself and your home in Newark NJ, then the best thing you can do is work with a quality insurance company serving the area, such as E.S.T.I.R. Inc.

Safety Reminders for Cold-Weather Driving

As the weather cools down, in many areas ice and snow become part of the landscape. That means some key safety tips need to be implemented. Here are key safety reminders from E.S.T.I.R. Inc. serving the Newark, NJ area.

Tire tips 

Tires should be at the proper inflation level for winter driving. Ask the mechanic to check and inflate them. Recheck them periodically as needed. If needed, replace tires, and preferably do so before the wintry weather season begins.

Seatbelt safety

No matter how far or near you are driving, be sure that you and everyone in the vehicle is properly secured with seatbelts. Also, assure that babies and children are in properly installed age-appropriate car seats and booster seats.

Driving distance

Leave plenty of space between your vehicle and other vehicles when the roads are slippery or have snow or ice on them. Gradually brake rather than coming to sudden stops. All of this becomes even more relevant when there is a heavy snowstorm or an ice storm.

Alert driving

It is always important to be alert while driving but even more so during wintry weather. So do not drive unless you have had adequate sleep and rest. Pay full attention while driving.

Gear and tools

Make sure to have certain key items on hand in the car. That includes an ice scraper and brush to remove snow from the windshield and other parts of the car. Also have a fully charged phone plus emergency blankets, water and food.

It is definitely possible to drive during cold weather and wintry precipitation while staying safe. Follow the above tips and see that it is true. If you need more information about auto insurance, feel free to contact E.S.T.I.R. Inc. serving the Newark, NJ area.