Do you live in Bloomfield, NJ? Don’t put off getting home insurance on your family’s home, call us at E.S.T.I.R. Inc. for a specific quote on your house. If you have any questions about home insurance in your area read on to see if we address them here.
Home Insurance in New Jersey Frequently Asked Questions
- Can I get an individualized insurance policy written for my home due to my unique situation? Yes, you can get an individualized policy written that fits your own needs depending on your situation. Ask our agent for more details after explaining your situation.
- Is homeowner’s insurance a legal requirement in the state of New Jersey? No, it is not a legal requirement in NJ. However, many mortgage companies do require you to keep a homeowners’ insurance policy to protect their asset while you pay it off. Even if you do not have a mortgage on your home it is a good idea to protect your own asset yourself. Homeowner’s insurance can protect you from things you have not even considered when it comes to homeownership.
- Can I bundle my home insurance with other policies I have? It is often possible to bundle your home and auto insurance together. Each situation is unique and different options may save you money. Bundling is just one way we can simplify your life with quality insurance.
E.S.T.I.R. Inc. can fulfill your home insurance needs in and around Bloomfield, NJ. If you have any other questions, call us today. If you are ready for insurance quotes for your home, car, life, or business, contact us, and we will be happy to provide them for you.
Having an accident is the last thing that anyone wants to have to deal with. That being said, there are tons of expenses that come along with an accident for both you and your passengers. For those in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you to find the best policy for your needs every time.
Auto insurance covers a great deal and the costs and expenses of your passengers are one of them. Though your auto insurance is not going to cover every single expense your passenger incurs, their own health insurance will cover a great deal, your auto policy is likely going to award them what is considered liability for your state. This means that if liability for your state is $10,000, that is how much your policy is going to pay for your passengers. This is only if you have a liability policy if you have a larger policy or a full coverage policy you may be able to get more money for your passengers.
You will also be able to claim injury costs on your auto policy as well as using your health insurance policies to help pay for costs associated with your wreck. You should take the time to also consider that your state may be what is considered an at-fault state which means that fault for the wreck will be determined and the person at fault will have to use their insurance to cover all the expenses. No matter what your state laws say, your passenger is going to be covered to a certain degree on your policy each time they get into the car and ride with you. For those in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you find the policy that works best for you.