Why do I need to create a home inventory

When people think about the American dream, owning a home is high on the lists of things that make up that dream. With homeownership comes responsibility and one of those responsibilities is to protect your investment. For most people, buying a home is the largest investment they will ever make. Nobody likes to think about the bad things that can happen to their home but the reality is that many homeowners will file a claim for damages with their insurance provider. At E.S.T.I.R. Inc. in Bloomfield, NJ they believe that creating a relationship with their customers is a top priority as well as providing the latest information available. 

When you need to file a claim with your home insurance carrier they will need to know exactly what you have lost. You probably think that you know what you own but most people own a lot more than they realize. A home inventory is a written, video, or digital record of your home, room by room. You will be surprised by what you have in your drawers and closets that you would have never remembered. You need to also put any supporting documentation with your home inventory. The more information you have to give to your insurance company the easier the whole process of getting reimbursed will be. 

Once you have completed your home inventory and gathered whatever documents you have, you need to keep these is a safe place. A safety deposit box or online are two potential places where it will be safe and easy to access. 

Suffering a loss to your home is not something that anyone ever wants to happen. But having a home inventory can help remove some of the stress. At E.S.T.I.R. Inc. in Bloomfield, NJ our staff has years of experience and love to share that experience with their customers. Stop by the office or give us a call for a no-obligation quote. 

FAQs About Car Insurance in 2020.

Are you a new driver in Bloomfield, NJ? Or have you been driving a while under someone else’s insurance policy and simply do not know much about auto insurance in general? At E.S.T.I.R. Inc. we want to make purchasing auto insurance and understanding your current policy as simple as possible. Here are some of the most common questions we receive about auto insurance in New Jersey. 

Frequently Asked Questions About Auto Insurance in 2020. 

  • What type of auto insurance is required in NJ? In New Jersey, you must carry two types of liability insurance, property damage, and bodily injury. These are the minimum legal insurance requirements before you can register your vehicle. 
  • How much coverage should I have? You can keep the minimum legal requirements only but it is easy to upgrade to more comprehensive coverage that will leave you in a better situation after a car accident, whether you are at fault or not. You can also customize your policy to fit your situation or specialized value of your vehicle. 
  • My teenager just started driving should I increase coverage? It would be a good idea to upgrade if you only have liability. It is a requirement to add your teen driver to your insurance, be sure to ask about honor student rates and other considerations before they get behind the wheel for that first time. Once your teen purchases their own vehicle they can also purchase their own policy and if they no longer drive your vehicle they can easily be removed from the policy. 

If you have any further questions or if you want to purchase a policy contact us at E.S.T.I.R. Inc. We serve Bloomfield, NJ and the surrounding areas with quality insurance services to protect you and yours.