Monthly Archives: July 2022

How Home Insurance Protects You

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Owning a home means that you have a lot of responsibilities. One of the most important ones is to have home insurance at all times. This insurance offers several different kinds of protection to you and your home. If you don’t have the home insurance you need on your home, call us today at E.S.T.I.R. Inc. in Bloomfield, NJ.

Protection for Your House

The house needs to be protected with home insurance. Some of the coverage from these policies is coverage for the house itself. This means that if a covered event happened to your house and caused it to be damaged, the policy would pay for the damages less your deductible. When a covered event does happen, and you are left with hefty repair bills, it’s great to have this coverage. Without it, you might be able to afford the necessary repairs to keep your home intact. 

Item Protection

Your items that are inside your house are also in need of protection, and home insurance provides it. Its coverage protects everything inside your home in case of a damaging event. If your items are destroyed or damaged, the policy can pay for you to repair or replace them. With this coverage, a severe incident that destroys what you own won’t end up leaving you with anything. 

Protection Against Liability

As a homeowner, you have liability for what happens there. If someone came over and were injured in your home, you would owe them for their medical bills, other expenses, and even lost wages. Your home insurance policy covers these expenses, so you don’t have to. 

Protect Yourself and Your Home

When you have a house that isn’t being protected by home insurance, it’s time to call us. Contact us today at E.S.T.I.R. Inc. in Bloomfield, NJ.

Required Auto Insurance in New Jersey

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In New Jersey, many different types of insurance coverage are required to be in your auto insurance. Every vehicle owner must have auto insurance in the state, and the state has a no-fault system. This means that there are many rights to sue over damages that are not there. In this no-fault state, your insurance will pay for your injuries until you reach your maximum limit, no matter who was the cause of the accident. Call us at E.S.T.I.R. Inc. in Bloomfield, NJ, if you need auto insurance.

Require Coverage Types

Several coverage types are required, and even more, different amounts are required to be included in every policy. Bodily injury coverage is needed, and two amounts are required for it. The first is a certain amount of coverage for one person who becomes injured in an accident, and the second is a higher specific amount required for everyone in the accident who was injured. There is also a small amount required for property damage liability. Different amounts are required for this coverage if you are in an accident with an uninsured motorist. There is an amount for one person injured and another for everyone injured. Insured motorist property damage coverage is also needed, and the deductible for that coverage has a specific mandated amount. 

How Much Coverage?

In New Jersey, the amounts required for minimum coverage are tiny compared to most other states. It’s often recommended that you get more than the mandatory minimum to be well-covered in case of a severe accident. 

Cover Your Vehicle

Don’t go without auto coverage. If you don’t yet have the auto insurance you need, call us at E.S.T.I.R. Inc. in Bloomfield, NJ.