Harrison, NJ Homeowners Insurance

Posted on by

If you live in Harrison, you’ve worked hard and know the value of the money you’ve earned. That hard work has paid off with owning a home for you and your family. Now you need to protect that home from any personal injury claims that might be filed by somebody who gets hurt on your property. All it takes is for the cable guy to trip on your front steps, tear the cartilage in his knee and break his arm trying to break his fall. Now you have a personal injury claim, and you have to defend it. That’s what homeowners insurance is for. Without it, you’re looking at paying thousands and thousands of out-of-pocket liability. You just don’t that that kind of money sitting around.

On a covered peril like the cable guy, homeowners insurance that we set you up with can pay his medical bills, lost earnings and any future permanency. If he sues you, it can even pay your court costs and retain attorneys to represent you, all at no cost to you after your deductible. That’s a pretty sweet deal.

We’re independent insurance agents right here in Harrison. We live and work in Zip Code 07029 just like you do. Our kids might even go to the same school. Because we’re independent agents, we offer homeowners insurance coverage from several different insurers, and not just from one giant super sized insurance company. Due to our unique position, we give you objective and unbiased choices of who your insurer will be, what coverage you’ll have and how much you’ll pay in premiums. Other agents just aren’t allowed to do that. If you’re looking for new homeowners insurance or want to increase your coverage, just call us. We’re happy to talk to you.

How To Protect Against A Sinking Foundation In Newark

Posted on by

Within Newark, NJ, residents are less than 15 miles away from New York City. Many people make the commute each day by car or by train into NYC for work. There’s a considerable number of homeowners within the city and there are various industries to support residents as well.

One of the worst things that could happen to your home in Newark, NJ 07107 is a sinking foundation. This is often caused by shifts within the soil after the home is constructed. As the soil shifts, the foundation can crack and literally begin to sink. This can lead to damages to the porch as well as throughout the interior of your home.

There are things you can do to protect against such problems. You will want to obtain a home inspection in NJ before you move into a home. If you notice any damage to the foundation, you can also have a company come in and provide additional support.

You will also want to look at your homeowners insurance policy within 07107. Your insurance may cover against a sinking foundation, porch problems, and more. However, there are going to be instances when it will and will not be covered. You don’t want to be denied a claim, so it’s important to read the fine print.

As you shop for homeowner’s insurance, you will want to look at maximizing the coverage to protect against anything. One of our agents can guide you through the process. This way your home in Newark will have the coverage you need to make repairs to the foundation or anything else that has been unexpectedly damaged. While homeowner’s insurance doesn’t take care of wear and tear, it does take care of other things.

Call and talk to one of our agents today so we can find a policy that is affordable and makes sense.

Understanding Gap Insurance

Posted on by

It’s common knowledge that your brand new car depreciates in value as soon as you drive it off the lot in Harrison, NJ. In fact, it continues to depreciate as you drive it. Each mile you drive and each day the sun beams down on your shiny, clear coat, you are losing value. The difference between what you owe the finance company and the value of your car is considered a gap; this is the amount you are responsible for paying to your insurance company if you total your car.

How Gap Insurance Works

Fortunately, car insurance companies offer coverage called Gap insurance that will help you cover the cost of a total loss to your vehicle. With Gap insurance, your insurance company will pay the actual cash value of your car and they will pay the difference between what you owe the finance company and what they already paid. Gap insurance is imperative if you have a brand new car because you can protect the value of the car and your wallet, by opting in for the coverage.

It is important to keep in mind that some companies may only pay a percentage of the difference, so ask questions and compare your options to ensure that you are fully covered.

Getting Gap Insurance

The best agents in 07029 offer Gap insurance because they realize it truly protects their customers and many people are interested in the coverage. The process is simple, once you call around for insurance quotes for your new vehicle ask the insurance companies whether they offer Gap insurance coverage for your new vehicle.

Adding Gap Insurance to Existing Coverage

Adding cap insurance coverage to an existing policy is possible under certain restrictions. Each insurance company establishes their own restrictions, so you should contact your insurance provider to add gap insurance.

Opting out of Gap insurance is like throwing money down the drain since you are losing money each time you drive your car. To avoid paying the finance company if you are in a wreck, you can purchase Gap insurance for a few dollars and have the peace of mind knowing that you are covered if you are in a wreck with your new vehicle.

Is A Learner’s Permit Going To Raise My Car Insurance?

Posted on by

Newark, NJ is one of the largest cities within the state. It is right across the river from New York City and many people make the commute into the Big Apple for work. Many people are homeowners and the home value for the homes in the 07107 area are a little higher than the average for the state.

When you have a young driver in your home, he or she starts out with a learners permit. The moment that this is obtained, you need to call and make the update to your car insurance because they will be getting behind the wheel of your car.

The rule of thumb is that new drivers are high risk because of their inexperience. A learner’s permit in Newark doesn’t automatically mean a high cost of car insurance. We recommend working with one of our agents in NJ where we can talk to you about options. We take a three step approach to helping you.

1. Learn of your needs

2. Explain coverage options

3. Find quotes

When you follow these three steps, you can ensure you get car insurance with someone in the house that has a learner’s permit without spending more than what is necessary. It is likely that you will see an increase within the cost of the policy, but it doesn’t have to be a lot. We work with multiple insurance companies in Newark, so comparisons can be made quickly. You will be able to see who charges what and then make an educated decision.

Our agents can find a policy within 07107 that is manageable and provides you with the coverage you need. This way, in the event of an accident, you can file a claim knowing you have to pay very little out of pocket to make the repairs and get the care that is needed.

What Losses are Covered by Home Insurance in Harrison, NJ

Posted on by

Homeowners policies are extensive, but they don’t provide unending coverage against anything that could happen to your home. Instead, home insurance operates on a set of listed perils that cover common issues that befall homes. In some areas, you can purchase additional insurance protection for perils that aren’t included in this list, which most often includes flood insurance for Harrison, NJ.

To get an idea of what you can file claims about with a basic home insurance policy, here are a few of the listed perils. Fire and fires caused by lightning is one of the most common protections offered by homeowners insurance. There is some complexity with fire related claims, as some claims may be denied if an investigation reveals that the fire was intentionally set by one of the occupants of the home. If lightning strikes your home and causes damage, particularly damage to the electrical systems of the house, this is also covered.

The next common natural disaster that gets covered is wind and hail damage. You might not think that these could cause all that much of an issue, but if the wind speeds are high enough and the hail is large enough, your house and property can take a beating.

For accidents that aren’t caused by nature, one of the most common situations you may end up dealing with are vehicles that have hit your home or garage. This particular listed peril also covers aircraft impact, although that’s thankfully not a common situation.

Have questions about listed perils available on homeowners insurance in Harrison NJ? Talk to our independent agents to find out all of the options your home qualifies for.

About E.S.T.I.R. Insurance Agency in Harrison, NJ

Posted on by

Everyone needs some sort of insurance policy in their life, either for personal or commercial reasons, but the monthly payments represent a significant overhead. Instead of sticking to paying too much for your insurance, there are a few ways you can talk to us to see if you can bring down your insurance payments.

One way that a monthly premium is determined is through your credit score. While this isn’t a huge factor when setting up insurance, if you have a significantly improved credit score compared to when you first created your policy, it’s worth getting in touch and seeing whether it makes a difference with your policy.

Changing the maximum coverage level for the contents of your house or apartment with homeowners and renters insurance helps to adjust the premium as well. If you increase your coverage level, your monthly premium is adjusted accordingly. You may want to look into specialty insurance if you are increasing your coverage level due to assets such as a boat, which can have its own separate insurance policy.

If you change the deductible, you are altering the amount of financial liability you have before the insurance company covers the bill. A lower deductible is great if you want to avoid paying large lump sums when accidents happen, but it’s not as good if you aren’t able to afford the higher monthly premium. Raising your deductible generally brings down your monthly premium.

Talk to our independent agents at E.S.T.I.R. in Harrison, NJ to find out what options you have for your insurance. Our NJ insurance agency has a free online quote system to make it easy for you to sign up and get the information you want.

Types of Losses not Covered Under an Auto Insurance Policy in Kearny, NJ

Posted on by

When you buy auto insurance in Kearny, NJ, you should understand what your policy does and does not cover. Every policy will at least include a minimum amount of state-mandated bodily injury and property damage coverage. More extensive coverage, sometimes called full coverage, includes collision and comprehensive and, in many cases, emergency towing services and rental car reimbursement.

You can buy auto insurance that will pay for loss due to an accident, an act of vandalism, or theft of your vehicle. A policy may cover loss of certain personal property inside of your vehicle. Even if you were totally to blame for an accident, your car insurance company will pay to fix the damage to your car. What a car insurance policy will not pay for is the cost of routine maintenance, upgrades to your vehicle, or any fraudulent act that you perpetrate in order to collect money from your insurer.

Routine maintenance includes such things as buying new tires, getting new brakes or running your car through a $25 car wash. If you happen to suffer a blowout and subsequently get into an accident, your insurance company will probably honor a claim for the body damage to your vehicle and also pay to get you a new tire. If you decide that your car needs a new custom paint job or you want some cool hubcaps, that expense is on you and not your car insurance company.

Try our easy-to-navigate real-time quote service. You can get quotes in a matter of minutes from a number of excellent car insurance companies. We know that the most important factor for you is getting a great price for the level of coverage you choose. Our rate comparison tool is simple and free to use. Go ahead and give it a try.

Compare Homeownwers Insurance Rates in NJ

Posted on by

The process of buying a home can be exciting; however, you should also evaluate the possible risks that can arise and purchase a homeowner's policy that is appropriate for your needs. When you are sure about the coverage that you want, you can compare homeowners insurance rates to find the best policies for your current situation. As your independent agent, we can assist with the process so that you can find the best policy.

Using Online Tools

Comparing homeowners insurance rates does not mean that you must talk to an agent over the phone. You can also use online tools to compare your options and quickly look at the top insurance providers in the area.

As your independent agency, we provide online comparison tools for homeowner's insurance that provide results within a short period of time. The online tools will ask for some basic information, such as the size of the house and the number of bedrooms, so that you can get accurate quotes.

Obtaining Professional Help

If you are not sure about the different policies, then you can also talk to an agent over the phone. An agent is available at any time to answer your questions and offer recommendations based on your goals.

Along with the basic services that an agent offers, you can ask for advice or explanations of the policy options. The best policy for your situation may vary, so you should always look at several plans before you make the purchase.

Homeowner's insurance is an important part of protecting your home, but that does not mean that you must over-spend for your coverage. With the assistance of professional agents, you can compare your rates quickly and find an affordable option. To learn more about coverage for your home, contact us today.

Buy Cheap Car Insurance Policies in Harrison, NJ

Posted on by

Buying a basic car insurance policy to protect your vehicle in Harrison, NJ may provide the simple coverage that you need to meet the state standards, but limiting your coverage is not necessary when you are looking for affordable protection. By taking measures to reduce the costs, you can obtain coverage that has a reasonable rate and you can address your personal concerns when it relates to your vehicle.

Coverage Requirements

In Harrison, NJ, you are required to purchase some liability protection; however, the basic policy is very limited. Generally, a standard car insurance policy is more appropriate when you want to address liability concerns. You can also purchase additional protection for your vehicle if the liability plan is not enough for your personal goals.

Adding coverage may seem to make the price of your policy increase; however, it can also provide peace of mind. As your independent agent, we suggest that you evaluate your current concerns before you compare prices.

Getting the Best Rates

Affordable coverage for your vehicle does not mean that you must give up on a policy that will protect your vehicle as well as other drivers. Compare several policies before you finalize a plan so that you can get the most budget-friendly options.

After comparing your options, ask about discounts that may apply to the specific plan. Every insurance provider is different, so the reductions that are available can vary. You may qualify for savings if you are part of a club, have good grades in school or meet other qualification standards.

Saving on your auto coverage is not difficult if you compare the options and obtain discounts that are available. To learn more about saving on your auto policy, call us to speak to an agent today.

Commercial Insurance Rates in Newark, NJ

Posted on by

It’s as important for business owners to cover all of their insurance options, as it is for individuals in their personal lives. Commercial insurance covers a wide range of policies that are designed to protect a business against many events, such as someone getting hurt while shopping, an employee getting injured on the job, or an error in legal advice causing monetary loss.

Understanding every policy that would help your business out requires the assistance of our experienced business insurance agents, as each business has its own needs. In general, you need commercial liability coverage for much of the basics, and worker’s compensation if you’ve got employees working for you. Outside of that, it heavily depends on the type of business that you run.

Commercial vehicle or fleet insurance is a natural selection if you have plenty of work vans or other company vehicles in your business. While you can have employees use their own personal vehicles, you don’t get high coverage limits through most personal car insurance, and you also don’t have coverage on necessary business equipment and loss of use. These features are both important for avoiding financial downfall when an accident occurs.

If you provide professional services, it’s possible that human error could cause someone to receive monetary harm. If this happens, errors and omissions insurance picks up the claim instead of letting the lawsuit lay your business low.

If you’re new to business ownership, there’s a lot of red tape and paperwork that comes before you even open the door. It’s important to know exactly the insurance types that are most beneficial to your Newark, NJ business. Talk with our independent agents to learn all about the commercial insurance benefits for you.