Month: November 2025

Auto Insurance Add-Ons You Need Before a Road Trip

Posted on by AgentInsure

There’s nothing more exciting than hitting the road with your friends or family for the road trip of a lifetime … that is, until something like car trouble ruins the fun. Insurance add-ons are additional coverage options you can include in your policy to ensure you have the benefits you need. Here are a few to consider adding to your auto insurance before you leave Bloomfield, NJ. 

Roadside Assistance

Most roadside assistance add-ons include various helpful features. This can include helping you change a tire or towing your vehicle to the nearest mechanic if it breaks down. Some policies cover towing your vehicle anywhere you want within a certain number of miles. 

Fuel Delivery

Most roadside assistance packages include fuel delivery, but it’s important to double-check with an agent at E.S.T.I.R. Inc. to make sure. Fuel delivery means that the insurance company will have someone bring you gas instead of you being left stranded or having to walk along a dangerous road. 

Rental Car Coverage

A car accident can be devastating. It also makes it impossible to finish your road trip. If everyone’s fine, there’s no reason you should stop having fun. Ensuring you have rental car coverage means that you’ll be able to get back on the road after a car accident. 

Preparing for a Road Trip

There are a few things you should do before you hit the road, aside from contacting an insurance agent. Double-check your fluids and tire pressure. Make sure anything that was wrong with your car is fixed, even if it’s something that seems small, like an O2 sensor. 

Pack jumper cables, a jack, and a spare tire. Include a first-aid kit. Keep extra snacks and water in the trunk in case you get stranded. 

Agents at E.S.T.I.R. Inc. can help you learn more about add-ons to get before a road trip. Contact us. We’re currently serving the Bloomfield, NJ, area. 

Do You Have Enough Home Insurance? Things To Consider

Posted on by AgentInsure

E.S.T.I.R. Inc., serving Bloomfield, NJ, is an independent insurance agency. We offer our customers more choices from a wide selection of the top insurance providers in the business. Determining what is enough when it comes to home insurance is not an easy task. You need to talk frankly with your insurance agent so that they are aware of all the factors affecting your home insurance. 

Building Coverage

Check the declarations page of your home insurance. Does the valuation of your home make sense? Have you made any major upgrades to your home that have increased its value? Let your insurance agent know what you have done so they can determine if the valuation is correct. 

Contents Coverage

This is usually set at 50% of the value of your home. Only you know if this is the right number. Check if you have replacement cost or actual cash value coverage. Replacement cost coverage will pay to replace your items with new ones, while actual cash value coverage will only pay you for your items’ current value, including depreciation. That may not be enough to make you whole. Make sure you have a rider for any high-value items. 

Liability Coverage

Does the liability coverage you have make you feel safe? If not, it is important to get more coverage or an umbrella policy. Have you added anything that raises your liability, like a dog, a swimming pool, or a trampoline? All of these raise your risk of being sued. 

Loss of Use Coverage

This is a coverage you may never think about, but if something happens to make your home uninhabitable, it will matter very much. It will provide you with a place to stay while things are returning to the way they were before they were damaged.

For help with your home insurance in Bloomfield, NJ, contact E.S.T.I.R. Inc. Our knowledgeable agents can help meet all of your needs. Call us so we can give you the information you need. 

Do You Have Enough Home Insurance? Things To Consider

Posted on by AgentInsure

E.S.T.I.R. Inc., serving Bloomfield, NJ, is an independent insurance agency. We offer our customers more choices from a wide selection of the top insurance providers in the business. Determining what is enough when it comes to home insurance is not an easy task. You need to talk frankly with your insurance agent so that they are aware of all the factors affecting your home insurance. 

Building Coverage

Check the declarations page of your home insurance. Does the valuation of your home make sense? Have you made any major upgrades to your home that have increased its value? Let your insurance agent know what you have done so they can determine if the valuation is correct. 

Contents Coverage

This is usually set at 50% of the value of your home. Only you know if this is the right number. Check if you have replacement cost or actual cash value coverage. Replacement cost coverage will pay to replace your items with new ones, while actual cash value coverage will only pay you for your items’ current value, including depreciation. That may not be enough to make you whole. Make sure you have a rider for any high-value items. 

Liability Coverage

Does the liability coverage you have make you feel safe? If not, it is important to get more coverage or an umbrella policy. Have you added anything that raises your liability, like a dog, a swimming pool, or a trampoline? All of these raise your risk of being sued. 

Loss of Use Coverage

This is a coverage you may never think about, but if something happens to make your home uninhabitable, it will matter very much. It will provide you with a place to stay while things are returning to the way they were before they were damaged.

For help with your home insurance in Bloomfield, NJ, contact E.S.T.I.R. Inc. Our knowledgeable agents can help meet all of your needs. Call us so we can give you the information you need. 

Do You Have Enough Home Insurance? Things To Consider

Posted on by AgentInsure

E.S.T.I.R. Inc., serving Bloomfield, NJ, is an independent insurance agency. We offer our customers more choices from a wide selection of the top insurance providers in the business. Determining what is enough when it comes to home insurance is not an easy task. You need to talk frankly with your insurance agent so that they are aware of all the factors affecting your home insurance. 

Building Coverage

Check the declarations page of your home insurance. Does the valuation of your home make sense? Have you made any major upgrades to your home that have increased its value? Let your insurance agent know what you have done so they can determine if the valuation is correct. 

Contents Coverage

This is usually set at 50% of the value of your home. Only you know if this is the right number. Check if you have replacement cost or actual cash value coverage. Replacement cost coverage will pay to replace your items with new ones, while actual cash value coverage will only pay you for your items’ current value, including depreciation. That may not be enough to make you whole. Make sure you have a rider for any high-value items. 

Liability Coverage

Does the liability coverage you have make you feel safe? If not, it is important to get more coverage or an umbrella policy. Have you added anything that raises your liability, like a dog, a swimming pool, or a trampoline? All of these raise your risk of being sued. 

Loss of Use Coverage

This is a coverage you may never think about, but if something happens to make your home uninhabitable, it will matter very much. It will provide you with a place to stay while things are returning to the way they were before they were damaged.

For help with your home insurance in Bloomfield, NJ, contact E.S.T.I.R. Inc. Our knowledgeable agents can help meet all of your needs. Call us so we can give you the information you need. 

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