Required Auto Insurance for New Jersey

While every state has its own mandated coverage minimums for auto insurance, New Jersey’s laws are unique. The state allows for residents to have one of two different kinds of insurance policies. These are the basic policy and the standard policy. This can make it a bit more complicated to choose your auto insurance policy, but you can talk to an insurance agent about the choice. Just give us a call at E.S.T.I.R. Inc. in Bloomfield, NJ.

The Basic Policy

If you choose a basic policy, it will have smaller minimums than the standard policy. With a basic policy, you don’t have any bodily injury liability coverage, but there is some available if you want to add it to the policy. The basic policy has a small amount for property damage liability, paying for the damage you to do other people’s property. With a basic policy, you can’t add anything to this amount. There is a set amount in a basic policy for personal injury protection. This is payment for any injuries that you receive in an accident. This amount can’t be added to. Uninsured motorist coverage is not available with the basic policy. There is also no collision or comprehensive coverage, though it’s possible to get this added to the policy.

The Standard Policy

One of the biggest differences between a basic policy and a standard policy is that the standard policy allows you to add coverage onto the state-mandated minimums. A standard policy has bodily injury liability coverage for one person who is injured in an accident and a higher amount available for all those who are injured. You can add to this coverage as much as you see fit. Standard policies also have a small amount of property damage liability, and you can add to that as well. Uninsured motorist coverage isn’t required, but it is available if you want it. Comprehensive and collision coverage are also not required but available. 

Cover Your Vehicle

To get your auto policy, call us at E.S.T.I.R. Inc. in Bloomfield, NJ. 

How Home Insurance Protects You

It’s great to own a home, but it does come with a number of important responsibilities. One of these is to have a home insurance policy covering your home from the day you buy it onward. Don’t go without this vital insurance coverage for even a single day. If you need home coverage, call us today at E.S.T.I.R. Inc. in Bloomfield, NJ.

Coverage for Your Home

One of the most important ways that home insurance covers you is to protect your house itself. If a covered disaster, accident or other incident were to cause damage to your home, your home policy would pay for the damages to it or pay to rebuild it if it’s destroyed. There are many accidents and calamities that can happen to homes and trying to pay for the damages yourself may be simply too much to afford. With this policy, you won’t have to worry about coming up with the money yourself to fix the problem. 

Coverage for Your Belongings

Another important way that this insurance keeps you protected is by covering everything that you keep inside your home. All of your belongings are protected against covered incidents, and this can help you to replace items that are ruined and to fix items that are damaged. This is valuable coverage because our possessions are often our biggest outlay of money next to our homes. 

Protecting Your Lifestyle

If your home were to be made uninhabitable after an accident, disaster, etc, your home policy would pay for you to live somewhere else while it gets fixed. This protects your lifestyle and standard of living. 

Call Us Now

If you need home coverage, don’t wait to call us. Contact us right away at E.S.T.I.R. Inc. in Bloomfield, NJ to find out more about these essential insurance policies.