Monthly Archives: March 2023

What You Need to Know About Homeowners Insurance Cancellation

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If you own a home in Bloomfield, NJ, you know that having the proper homeowners insurance is essential. But what happens if your coverage is canceled? Is it possible for your policy to be canceled without warning? E.S.T.I.R. Inc. explains homeowners insurance cancellation and your options if it happens. 

When Can Homeowners Insurance Be Canceled? 

Homeowners’ insurance can be canceled for various reasons. Some of the most common are non-payment of premiums, filing too many claims within a short time, and making changes to the property that could increase the risk of damage or loss (such as installing a pool). Some insurance companies may cancel your policy for adopting certain breeds of pets. Another possibility is that the insurance company is going out of business. Sometimes, your insurer may cancel your policy for no specific reason—although this is rare. 

What Happens When Your Insurance Is Canceled? 

If your insurer decides to cancel your policy, they must provide you with written notice at least 30 days before the effective date of cancellation. The notice must include an explanation as to why the policy has been canceled. Depending on why your policy was canceled, you may have options such as switching insurers or negotiating a payment plan with your current company.  

Where Can I Get More Information About Homeowners Insurance Cancellation?   

E.S.T.I.R. Inc. provides comprehensive homeowners insurance coverageexplicitly tailoredy for Bloomfield, NJ residents. We can answer any questions about homeowners insurance cancellations and provide additional information about how best to protect yourself from unexpected cancellations or lapses in coverage. Contact us today for more information and details! 

 

How Tire Pressure Affects Car Safety

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Although having a solid auto insurance policy in place is important, your first line of defense should always be learning better ways to prevent accidents from happening in the first place. Here at E.S.T.I.R. Inc, serving Bloomfield, NJ, and the surrounding areas, we are committed to helping clients stay safe on the road. Keep reading to learn more about how tire pressure can affect your car’s safety. 

Tires and Safety 

Because your tires are the contact point between your vehicle and the road, the condition of your tires is of the utmost importance. You need always ensure that your tires are in the best and safest condition to keep your vehicle steady when traveling. Ignoring tire maintenance can lead to serious safety issues with your car. 

Overinflated Tires

When tires are overinflated, it can increase the risk of blowouts. A blowout takes place when a tire explodes while driving. This can create a very unsafe situation for you and other drivers on the road. It is straightforward to lose control of your vehicle during a blowout. This might cause you to hit another vehicle or object. 

Underinflated Tires

Underinflated tires are also a safety risk. When the tires are underinflated, you will not have the same type of control of the vehicle as when the tires are properly inflated. Riding on underinflated tires is also damaging to other aspects of your vehicle as well. 

Proper Inflation 

The proper amount of inflation will vary from vehicle to vehicle. Each vehicle will provide the recommended PSI for that vehicle, usually printed somewhere on the vehicle. You can easily look up the information online if you can’t find it on your vehicle. 

If you want to learn about our auto insurance services, please get in touch with us at E.S.T.I.R. Inc., which serves Bloomfield, NJ, and the surrounding areas.