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Problems That May Void Your Home Insurance In Florida
Home insurance covers a wide range of damage to your home, but many homeowners are unaware that they may be doing things that could cause their insurance to be voided, especially in Florida. That’s why E.S.T.I.R. Inc. (who serves a wide range of areas, including as far south as Florida all the way up to Newark, New Jersey) is here to inform you of a few ways you might accidentally void your home insurance.
Inaccurate Information On Your Application
Whether you purposefully or accidentally put inaccurate information on your application (such as failing to mention certain problems plaguing your home), doesn’t matter: it can still void your home insurance. Read over your application several times to check for inaccuracies before signing.
Multiple Claims
Home insurance agents often get suspicious if you make multiple claims over a period of a few years. In Florida, this may come in the form of claims for damage from hurricane or even underground termites. This might lead the insurance agent to suspect negligence and void your claim or policy in response.
No Receipts On Claimed Items
Your policy will cover the items in your home, but if you don’t have receipts for them, you can’t prove their worth. As a result, most Florida insurance agents will simply void your claim, causing you to suffer severe losses as a result. Keep your receipts in a safe to protect them from damage.
Suspected Deliberate Damage
If your insurance agent expects that you may have caused deliberate damage to your home, they will not only void your claim, but likely your policy. Even worse, they may turn you into legal authorities for fraud. It’s important to prove that the damage caused was not deliberate, such as by including eye-witness testimony, in your claim.
If you are worried that you may have performed any of these problems on accident, please contact us at E.S.T.I.R. Inc. We can help people like you from Florida all the way to Newark, New Jersey get the home insurance coverage that they deserve. We’ll make sure you don’t make any of these unfortunate mistakes.
Layers of Rental Car Coverage
If you travel, you are bound to require a rental vehicle. There are also cases where you may never drive but have a day of errands or even leisure in Newark, New Jersey and find yourself needing a rental but there is a question about insurance. If you own a vehicle, you likely have New Jersey’s minimum coverage. The Automobile Insurance Cost Reduction Act requires all auto owners to have basic insurance to be road-legal while driving. Most rental services will offer loss damage waivers (LDW) and collision damage waivers (CDW), taking the place of your collision and comprehensive insurance but the exemptions differ and come with deductibles. In other cases, it could null and void if the accident is your fault. But there is a way to lessen the potential for disaster.
Non-owner car insurance covers drivers who do not own a vehicle but do drive on occasion. Be that a rental or a friend’s car, having supplemental insurance is never a bad idea. Not only are you ensuring that you do not go into debt because of the unpredictability of an accident, but you are also protecting yourself from future choices. Non-owner insurance is ideal if you will be without a vehicle for a period of time. By purchasing non-owner insurance through E.S.T.I.R. Inc. , you are also avoiding higher insurance costs for when you do buy a car and insurance.
Rental car insurance varies in price and coverage. The waivers are often confusing, and chances are you are paying too much for an insurance plan that you could obtain for yourself. Relying on a third party that is a stranger may lead you to find yourself in a bind. E.S.T.I.R. Inc. auto insurance ensures the safety of your wallet and well-being. Give them a call today.
Best reasons for having auto insurance in Newark, NJ
A big bustling city like Newark, New Jersey requires most residents to have a vehicle to get around, which means most residents will also need some form of auto insurance policy. Below are the best reasons for having an auto insurance policy in a place like Newark, NJ.
IT’S THE LAW
You need to have some form of insurance if you are driving in New Jersey, so that you can cover an accident if you are in one and not cost someone else a lot of money or cost yourself a lot of money. If you don’t have insurance or proof of insurance while driving in Newark, you may receive a ticket and an order to get insurance before you can legally drive again.
IT GIVES YOU PEACE OF MIND
There is a lot to worry about when driving on the road, from other people possibly hitting you in their cars to your car malfunctioning or a tire blowing and causing you to have an accident. One less thing to worry about with auto insurance is who is going to pay for all of this if one of these unexpected things does happen while you are driving. Without auto insurance, the cost of an accident can easily skyrocket into the tens if not hundreds of thousands of dollar range. With auto insurance, you basically don’t have to worry about most accidents costing you more than your deductible payment.
YOU’RE PROTECTED FINANCIALLY FROM LAWSUITS
You’re also protected from any lawsuits that may arise from an accident you have while driving thanks to your auto insurance company. They will go to court for you and pay the judgment if they lose the case against whoever is suing you. If you don’t have insurance, then you will have to deal with all of this yourself.
ESTIR Inc-Why business Insurance??
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Prepping Your Home for Colder Weather
Winter is a gorgeous time of year in Newark, NJ, and there are a lot of things that come along with that. For many, winter is a time to venture into the city and enjoy all of the colder climate activities. However, there are also some things you should do to prep your home for the colder weather. Before fall slips away, use these tips from E.S.T.I.R. Inc. to prep your home.
- Clean out your gutters. In the fall, the leaves will start to fall and some of them will end up in your gutters. While the changing fall colors are beautiful, they are not so wonderful when they are clogging up your gutters. Before the first snow falls, you should make sure these are cleaned out.
- Get your heater examined. You likely haven’t thought about using your heater since last winter. Before you try to use it, you should get it looked at by a professional. Getting regular maintenance on your heater is important and fall is a great time to get it done. Plus, it is always good to catch a problem before you need to use the heater. Additionally, this time of year is a great time to also change your filters in the home to ensure your heater is able to work optimally.
- Get home insurance. One of the biggest mistakes homeowners make is not having home insurance in place for their home. It is definitely something that can help in a variety of ways and we recommend it for every homeowner. You should protect your investment with home insurance all year long and if you do not have it now, it is time to explore some of your options.
If you are interested in learning more about home insurance and getting some quotes, be sure to contact E.S.T.I.R. Inc. serving Newark, NJ. We can even help you by examining your current policy for any gaps.
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Residents of New Jersey: Keep Your Family Safe With Automobile Insurance
In life, one of the most important things is a person’s family in all walks of life. Keeping your family safe in your vehicle, this is certainly no exception to that – and perhaps it is among the most important places to keep them safe. In all, one of the best ways to do this is to make sure that you have proper automobile insurance. In order to operate a vehicle, a driver is required to – from the very first moment – have automobile insurance. Thankfully, in New Jersey, the Automobile Insurance Cost Reduction Act ensures that drivers should have a basic policy available no matter what level of experience you hold. However, the basic plan is not the best out there for families and definitely skews more strongly to drivers who have fewer responsibilities (such as younger drivers).
A basic plan may be good start if you are without any other options at your disposal, but it is important to also consider plans that work the best for you. Understandably, it can be a very difficult and stressful process, trying to figure out exactly which plan is it that works for you. Thankfully for you, E.S.T.I.R. Inc. has one priority, to get you exactly the kind of coverage you need. We do this by examining your situation in life and your specific needs, and in minutes we can offer a selection of insurance options for you.
People in and around the New Jersey area who are still finding themselves confused by all of the red tape and such of insurance can contact us at E.S.T.I.R. Inc. either online or by phone at (973) 481-5300. Insurance is important, so we will do everything we can to get you protected.
Preparing Your Trees for the Upcoming Winter and Preventing Hazardous Tree Accidents
During the winter months, trees can cause you to have to file a homeowner’s insurance claim. However, there is something you can do to minimize the likelihood that this will happen. Preparing your trees for winter can help decrease tree-related problems this winter. Here are two ways you can do this.
Remove Dead Trees
If your tree is dead, remove it in the fall, before the winter months come. A dead tree has a bad root system and can easily topple over when the wind blows. This can cause significant damage. Removing the tree is the best way to prevent this. If you are unsure if a tree is dead, a landscaper or arborist can help make that determination.
Trim Away Overgrown Branches
The second way you can prevent hazardous tree accidents is to trim away overgrown branches. Overgrown branches can fall off when the wind blows or if large amounts of snow or ice accumulate on the branches, weighing them down. Trimming them away in the fall months helps prevent this problem.
Failing to prepare your yard for winter can lead to dead or overgrown tree branches falling on your home or your car. In turn, this may cause you to have to file a claim with your homeowner’s insurance company. If this has got you thinking about homeowners insurance, you may be wondering if you have enough coverage or you may be looking to change your policy. Contact E.S.T.I.R. Inc. serving the Newark, NJ area, for all of your homeowner’s insurance needs. Let us review your policy, determine what coverages you need and even provide you with quotes for a new policy today.