Monthly Archives: May 2024

Four Ways to Protect Your Car From Sun Damage This Summer

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For car owners in New Jersey, it’s vital to protect their cars from the summer heat, which can and will damage them. Below are three ways to protect your car from sun damage this summer. 

1. Park in a Covered Area

Whether you have a garage or carport, you need to keep your car out of the sun as much as possible. This is also true when shopping in downtown areas and parking for your job. Park in covered garages that will keep the heat off of your car. 

2. Using a Car Cover

If you don’t have access to a shelter at your home or while at work, consider opting for a car cover to protect your vehicle. The sun damage to the paint can be detrimental, so you want to ensure that you don’t make any damage you already have worse. This is also an excellent idea for auto owners with multiple vehicles that need protection. 

3. Wax Your Car

Plan to wash your car every couple of weeks this summer, and make sure to wax it. This gives an extra layer of protection that will keep the sun from peeling back the paint and causing damage. If you’re already parking your car in the shade or a shelter, this will help with that process. 

4. Consider a Paint Job

If your car already had some paint damage from the sun last year, it would only get worse. It would be best to consider getting it painted soon and then waxing it so that the new painting isn’t ruined. If you’ve recently had it pained, you’ll want to follow these steps to keep it protected. 

If you need a new auto quote in the Bloomfield, NJ, area, contact E.S.T.I.R. Inc. today for a personal quote. 

Mortgage Requirements and Home Insurance

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Understanding mortgage requirements and the role of home insurance is crucial when purchasing a home around Bloomfield, NJ. This will help homeowners protect their investments and comply with lender mandates. Lenders want to know they have their investments covered if the home is destroyed or damaged. They will sell for value if the homeowner defaults. 

Mortgage Requirements

Most lenders require homebuyers to obtain homeowners insurance as a condition for granting a mortgage. This insurance protects the lender and homeowner by protecting the property against damage or loss. Lenders typically require coverage that equals or exceeds the mortgage loan amount.

Home Insurance Coverage

Home insurance policies cover various perils, including fire, break-ins, vandalism, and weather-related disasters such as hurricanes or earthquakes, depending on the policy’s terms. Liability coverage protects homeowners from legal expenses should someone get injured on their property.

Importance of Home Insurance

Home insurance is essential for safeguarding homeowners’ financial well-being. In the event of a disaster or unforeseen circumstance, insurance coverage can help homeowners repair or rebuild their homes and replace personal belongings, mitigating the financial impact of such events.

Factors Affecting Insurance Costs

Several factors influence home insurance premiums, including the property’s location, age, construction materials, and the homeowner’s credit score. Homes in areas known for natural disasters or with higher crime rates may have higher insurance premiums.

Deductibles and Coverage Limits

Homeowners should carefully consider their insurance deductibles and coverage limits. A higher deductible typically results in lower premiums but requires homeowners to pay more out-of-pocket costs. Conversely, higher coverage limits provide excellent protection but may lead to higher premiums.  

Let E.S.T.I.R. Inc. Give You Information

E.S.T.I.R. Inc. helps answer your home insurance questions and takes care of the Bloomfield, NJ, region. Call us today to get the most updated information.