Monthly Archives: November 2020

Auto Insurance Tips To Assist New Jersey Drivers During The Winter

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E.S.T.I.R. Inc. provides insurance coverage to the Bloomfield, NJ community, as well as the surrounding areas. We strive to establish long term relationships with our clients. As an independent agency, we can help you find a custom policy specifically designed to suit your needs.

Auto Insurance Tips For The Winter

Auto insurance protects your vehicle as you travel around Bloomfield, NJ. The policy covers your vehicle if it is damaged or stolen. Comprehensive coverage is an asset if your vehicle gets damaged due to a natural disaster or is stolen. While you are preparing for the winter, here are things to consider regarding your auto insurance policy.

Check Your Tires

During the winter, driving becomes extremely dangerous at times. The likelihood of you being involved in an accident increases. However, one of the main ways that you can prevent a potential collision is by performing proper maintenance on your tires. Make sure that your tires have the appropriate air pressure to stabilize your vehicle. As the weather gets colder, your tires will start to lose pressure. You may need to replace all of your tires in order to ensure that you are safe on the road.

It is also important to make sure that the internal parts of your car are working properly. Schedule an oil change and check the fluids in your engine. Make sure that you have a good supply of antifreeze. Consider scheduling a tune-up as well.

During inclement weather, it can be difficult to see things clearly while you are driving. Make sure that you have a case of windshield wiper fluid and all of your lights are working properly. This will drastically reduce the likelihood that you will be involved in a collision with another vehicle while you are driving.

E.S.T.I.R. Inc. Will Help You Protect Your Vehicle

Visit our website to learn more information about auto insurance.  

Do I need home insurance when my mortgage is paid off

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Owning a home is what most Amerian strive for. You get approved for a mortgage and then chose your home insurance. Your lender will require that you protect their investment. Unlike car insurance, home insurance is not legally required by the state. Twenty-five or thirty years later you are through with the monthly mortgage payments and you may be wondering if getting rid of the home insurance payment would be a good idea. At E.S.T.I.R. Inc. in Bloomfield, NJ, we are a local Independent agency that has been providing service in the area for 23 years. 

Before you decide to let your home insurance laps it is important to consider the protection that it provides. 

Building protection

If your home is hit by a covered peril, your home insurance will provide the money you need to repair or replace your home. It covers the main building, all the attached structures, and some detached as well. It also covers the systems in your house electric, pumping, and HVAC.  

Contents

All of your personal possession are in your home. Your furniture, your appliances, your Christmas decorations, electronics, your clothes, your jewelry, the contents of your kitchen, your linen closet, and even more. 

Liability

One of the most valuable protections that home insurance offers is liability protection. No one wants to believe they will ever get sued but it is a real possibility. Your home insurance offers a layer of protection against a judgment against you. 

Loss of use

If your home is uninhabitable because of a covered peril you will need somewhere to stay. Your home insurance will help to pay for a place you can call home until your home gets back to normal. 

Home insurance offers a lot of valuable protection and even when your mortgage is paid off it is worth keeping. If you have any questions  E.S.T.I.R. Inc. in Bloomfield, NJ has the answers that you need. Give us a call or stop by our office and let us give you a quote.