When Should You Update Your Home Insurance?

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It’s important to update your home insurance policy due to certain events. This ensures that you have the proper coverage. At E.S.T.I.R. Inc. in Bloomfield, NJ, we offer home insurance and other types of coverage. 

Renovations 

If you’ve just performed renovations or significant improvements on your home, you’ll need to update your homeowner’s policy. If your home is damaged or destroyed, the compensation you receive will be based on the value of your home. 

Renovations and other improvements increase the value of your home. Notifying your insurance company means you are covered for the current full value of your home.

Major Purchases 

Your homeowner’s policy also covers your possessions. However, some high-end items require a rider to provide adequate coverage. You should notify your insurance company if you just purchased a home theater system or expensive jewelry. 

Attractive Nuisances

A swimming pool is an excellent example of an attractive nuisance, but it’s not the only one. Other items, including playground equipment, treehouses, and trampolines, also fall into this category. 

 They can increase the value of your home. However, they can also affect your liability. Your premium may increase, and you may need to increase your liability coverage to protect your assets. 

Security System

You installed a security system because you want to keep your family safe. However, it’s also beneficial to your insurance company. It reduces the risk of property damage, fire, and other incidents that could trigger an insurance claim. For this reason, many insurance companies offer a discount on security features. 

Home Insurance with E.S.T.I.R. Inc.

If you need home insurance in Bloomfield, NJ, contact us at E.S.T.I.R. Inc. Our knowledgeable agents will discuss your coverage needs and help you select the best policy. 

What Are the Types of Auto Insurance Coverage?

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If you own a car and drive regularly, it is also essential to have car insurance. It protects you if you get involved in a car accident, or something happens to your vehicle. There are many auto insurance types, so deciding which one you need can be challenging. Let’s take a look at the most common types of car insurance: 

Types of Auto Insurance Coverage

  • Collision coverage. It covers the damage to your car if you hit another car or object. If your vehicle is totaled, collision coverage will cover the value of your car. This type of coverage is mandatory for everyone who has a lienholder. 
  • Comprehensive coverage. While collision coverage covers road accidents, comprehensive coverage covers situations unrelated to a covered accident, such as vehicle theft, weather damage, or hitting a deer. 
  • Liability coverage. This coverage will help you if you are involved in a car accident and your actions cause this accident. This type of auto insurance will cover property damage and medical bills from resulting injuries. 
  • Bodily injury liability. This type of insurance protects you against financial loss if you hurt someone in a car accident. For example, if you run a red light and hit a person crossing the road, this type of auto insurance will pay for the medical treatment of an injured person. 

E.S.T.I.R. Inc. – an Insurance Agency in Bloomfield, NJ Known for Excellence and Experience

Are you shopping for car insurance to protect your vehicle and yourself? Do not hesitate to contact E.S.T.I.R. Inc. – an insurance company in Bloomfield, NJ that has been in business since 1999. Our company specializes in different types of insurance, including commercial, home, and auto insurance. If you have any questions about insurance types or need help choosing the best insurance plan for you, feel free to contact us. 

Own a Business? Make Sure You Have Commercial Insurance

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E.S.T.I.R. Inc. is an insurance company located in the Bloomfield, NJ area. One of the many products they provide is commercial insurance for businesses. If you are a business owner, ensure this protection for your livelihood.

Commercial insurance is vital for businesses. It protects the business from losses commonly experienced, such as theft, liability, property damage, and employee injury. With the right insurance coverage, businesses can easily recover from these losses. Without it, there is the risk of going out of business.

The main types of commercial insurance are property insurance, liability insurance, and workers’ compensation insurance.

  • Liability insurance protects against damage the business inflicts on customers or clients. It also covers the expenses related to property damage lawsuits or personal injury that occur at your company.
  • Property insurance covers any damage to your business property due to a flood or fire, etc.
  • Workers’ compensation insurance protects your business if an employee is hurt on the job. It also prevents workers from filing a negligence lawsuit.

There are more specific forms of coverage under each of these coverage types that offer protection from a business-specific type of liability. As this type of insurance can be complicated, make sure to get answers to any questions that arise, so you are clear about the conditions and terms of the insurance. Communication with your agent is crucial.

The insurance professionals at E.S.T.I.R. Inc. can provide all the answers you may need before purchasing this coverage. If you are a business owner or thinking about becoming one, you need commercial insurance coverage. Make sure your business is covered with all the protection possible to ensure its success. Commercial insurance will provide that protection. Contact E.S.T.I.R. today for a no-obligation quote. You will be glad you did.

How much contractor’s insurance do I need?

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As a contractor, having the right insurance is crucial if something goes wrong while your project is underway. But what type of contractor’s insurance do you need, and how much should you buy? Here are some tips on how to get contractor’s insurance and what to do if something goes wrong.

What is contractor’s insurance?

First, it’s important to understand what contractor’s insurance is and what it covers. This includes coverage for liability, property damage, personal injury, medical costs, and more. Some types of contractor’s insurance may also offer additional benefits, such as access to legal support in the case of a lawsuit.

How much contractor’s insurance do I need?

To determine how much contractor insurance you need, it’s important to consider the size and scope of your project as well as any potential risks that may be involved. For example, suppose you are working on a large construction project in a hazardous area or with potentially dangerous materials. In that case, you will likely need more insurance than if you are doing some simple repairs around the house.

The different types of contractor’s insurance.

There are several different types of contractor’s insurance that you may want to consider, including general liability insurance, builders’ risk insurance, property damage coverage, and more. You can also shop around to find the best rates on your contractor’s insurance, which can help you save money while still providing adequate protection for your project.

Contact us today!

If you have any questions about your insurance coverage, give E.S.T.I.R. Inc. a call today. We proudly serve contractors in the Bloomfield, NJ area.

Tips to Help Keep You Safe When Driving in the Rain

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Winter weather can bring rainstorms with it. Unfortunately, the number of car accidents increases when it rains, as roads are slick. At E.S.T.I.R. Inc., providing residents in the greater Bloomfield, NJ area with auto insurance, we want to help you stay safe while driving in the rain.

Here are a few tips you should keep in mind if the weather forecast calls for rain in your area. 

Make Sure You Have Enough Tread on Your Tires

Before you head into the rainy season, it is always recommended that you check the tread on your tires and ensure enough tread. If your tires are worn, you are more likely to slip and slide on the road during a rain storm. Replace your tires as needed to help prevent this issue. 

Replace Your Windshield Wipers

It is also recommended that you check your windshield wipers before the rainy season and replace them if needed. You want to ensure your windshield wipers can remove rain without smudging or smearing it, helping you to see the road clearly. 

Drive Slower Than the Posted Speed Limit

Lastly, slow down when you are driving in the rain. Going a little bit slower can help you avoid accidents when driving in wet, slick, or icy conditions. 

All of the above tips will help you to stay a bit safer when you are driving in the rain. However, you cannot prevent every car accident from happening. This is why having auto insurance is so important. The right policy covers you in case the unexpected happens. If you are looking for a new auto insurance policy, the team at E.S.T.I.R. Inc., serving the greater Bloomfield, NJ area, would love to help you. Call us now to discuss your auto insurance needs and the type of coverage that is right for you. 

Tips to Help Prevent Your Pipes From Freezing in the Winter Months

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One of the most common reasons homeowners file home insurance claims in the winter months is because winter weather has caused a pipe to burst, and now they are left with a broken pipe and possible water damage. Here at E.S.T.I.R. Inc., serving the greater Bloomfield, NJ area, we want to help you avoid this issue. Here are a few ways to decrease the chances of your pipes freezing and bursting in cold winter weather. 

Insulate Your Pipes

One of the ways that you can decrease the chances of your pipes freezing and bursting is to insulate your pipes. Insulating pipes is fast and inexpensive, and it helps your pipes to stay a bit warmer. This can be the difference between your pipes freezing or not freezing. 

Leave Water Running On Cold Nights

Another tip that can help to minimize the chances of your pipes freezing and bursting on cold nights is to leave water slowly dripping in your faucets. This keeps water moving through the pipes instead of just sitting there, which can prevent water in the pipes from freezing. 

Winterize Your Pipes When You Go Away

Lastly, if you are going away for three or more nights and temperatures will be at or below freezing, call a professional to winterize your pipes or remove the water from them. This ensures your pipes do not freeze and burst while you are away and not using water. 

While there are steps you can take to decrease the chances of your pipes freezing during winter weather, you cannot prevent the problem entirely. This is why having the right home insurance policy is so vital. At E.S.T.I.R. Inc., serving the greater Bloomfield, NJ area, we can help you with your home insurance needs. Call or email us to get started.

Will commercial insurance cover my personal car if I use it for business purposes?

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Commercial insurance provides coverage for various risks and liabilities for business owners. Our Bloomfield, NJ team at E.S.T.I.R. Inc. understands that commercial insurance can be confusing to navigate. We’re dedicated to taking the confusion out of commercial insurance.

What Does Commercial Insurance Cover?

Commercial insurance protects your business from various losses, including employee injury, theft, lawsuits and liability, property damage, and more. Other forms of commercial insurance coverage include cyber liability protection, as well as protection from business interruption. A commercial insurance policy can be created to meet your company’s specific needs. An insurance agent can help you get the specific coverage you need to protect your business. 

Will Commercial Insurance Cover my Personal Car if I Use it for Business Purposes?

You should get a commercial auto insurance policy if you use your car for business purposes. Your personal auto insurance policy will not cover an accident or any other event while operating your vehicle for business purposes. Your car insurance is designed to cover any damage or incidents that happen when your car is used for personal, not business purposes. Business owners should also understand that using your vehicle for business purposes could make your personal auto policy null and void. Commercial auto insurance will expand business owners’ limits and is the best choice if you use your car for business purposes. If you have questions about commercial insurance coverage, call us. We’d be happy to explore what a commercial insurance policy covers.

What is Contractor Insurance in Bloomfield, NJ?

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As a contractor, you need the proper insurance to protect yourself, your business, and your employees. But what exactly is contractor insurance, and what does it cover? This blog post will explain everything you need about contractor insurance in Bloomfield, NJ. We’ll also explain why it’s so important to have this type of insurance in place.

What is Contractor Insurance?

Contractor insurance is a type of liability insurance that protects contractors from financial loss if they are sued for damages or injuries resulting from their work. This type of insurance can cover many events, including property damage, personal injury, and even professional errors and omissions.

Why Do I Need Contractor Insurance?

As a contractor, you are responsible for the safety of yourself, your employees, and anyone else who may be affected by your work. If someone is injured or their property is damaged due to your work, they may file a lawsuit against you. You could be on the hook without contractor insurance for thousands of dollars in damages.

Contractor insurance can help protect you from financial ruin if you are sued. It can also help cover the cost of any repairs or medical bills that may be associated with an accident or injury resulting from your work. In some cases, contractor insurance may even provide coverage for lost wages if you cannot work due to an injury.

Call E.S.T.I.R. Inc Today!

You need contractor insurance if you’re a contractor in Bloomfield, NJ. At E.S.T.I.R. Inc., we can help you get the coverage you need to protect yourself, your business, and your employees. Contact us today to learn more about our contractor insurance options!

Four Most-forgotten Basics About Home Insurance

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If you have home insurance in Bloomfield, NJ, you must know it inside and out to get the most out of it. Regrettably, your home insurance may be put on the back burner with your hands full of personal, job, and work responsibilities. E.S.T.I.R. Inc. gives a rundown of home insurance basics you should keep at the back of your mind to harness the power of this coverage.

Don’t forget to update your policy.

Renewing your policy is good to ensure it covers your current insurance needs. We advise homeowners to review their insurance policy at least once a year. However, if you bring in a dangerous pet, do significant renovations, and buy more assets, don’t fail to notify your insurer.

Reviewing your insurance ensures you pay the correct premiums and ease the claim filing process.

Failing to understand what the policy covers

Most homeowners purchase home insurance but don’t know what it covers. How can you get the most out of your policy if you don’t know what it covers? Understand what your home insurance covers to fill gaps and simplify your claiming process.

Forgetting about home insurance exclusions

You are probably aware of what your home insurance covers. But do you know what’s not covered by your policy? Knowing home insurance exclusions helps you buy add-ons to boost your policy. It also reduces heartache when filing claims.

Typical home insurance doesn’t cover floods, earthquakes, sewer backups, and intentional damage. If you want to understand the details of exclusions, read the fine print in your policy or consult your insurance agent.

Getting it wrong with an insurance agent

Your insurance agent is like your financial advisor. If you don’t bump into the right one, they won’t give you essential advice to make informed decisions. Always opt for a knowledgeable, experienced, and independent insurance agent.

Want to learn more about home insurance in Bloomfield, NJ? Please email or call E.S.T.I.R. Inc. for more insights.

What Is Covered by Auto Insurance?

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Auto insurance is an essential purchase for anyone who owns a vehicle. Not only is it required by law in many states, but it can also save you from financial ruin in case of an accident. But what exactly does auto insurance cover? This blog post will look at the different types of coverage and what they mean for you. Whether you’re a first-time buyer or simply looking to switch providers, this is everything you need to know about auto insurance.

Collision Damage

Most people are familiar with the basics of auto insurance, but many different types of coverage are available. One of the more essential types of coverage is collision damage. This protects you financially if you’re in an accident and your car is damaged.

Collision damage can be expensive to repair, whether a fender bender or a serious wreck. That’s why having collision coverage can be so important. It can help you avoid having to pay out of pocket for repairs. If you have an older car, collision coverage may not be worth the cost. But it’s definitely something to consider if you have a newer car. Talk to your insurance agent about whether collision coverage is right for you.

Property Damage

Another important type of coverage is property damage. This protects you if you damage someone else’s property in an accident. For example, let’s say you’re in a car accident and hit a building. If the building is damaged, your property damage coverage will help pay for the repairs.

Property damage also includes other people’s property, their cars, or homes, that are damaged in an accident that you are involved in. If you are at fault for an accident, your auto insurance will pay for the damage you caused. If you are not at fault, your insurance will still pay for the damages, up to a specific limit. Sometimes, you may have to pay a deductible before your insurance pays for the damages. Depending on your policy, property damage coverage may also cover rental cars, towing charges, and other expenses.

Vehicle Theft

If your car is stolen, your insurance will cover the cost of replacing it. In most cases, the insurance company will reimburse you for your car’s actual value minus any deductible. Some policies also provide coverage for personal belongings in your vehicle at the time of the theft.

To collect a vehicle theft claim, you will need to file a police report and provide your insurance company with a copy. If you have any questions about what is covered by your policy or if you need to file a claim, be sure to contact your insurer.

Now You Know What Is Covered by Auto Insurance

We hope this blog post has helped you understand the different types of coverage available. Remember, auto insurance is essential, so shop around and compare rates before you buy. And if you’re looking to purchase auto insurance in Bloomfield, NJ, be sure to contact E.S.T.I.R. Inc. We’re here to help you find the right policy for your needs.