Monthly Archives: March 2025

Is Technology Making the Roads a Safer Place?

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Today, drivers have more options and safety features for vehicles than ever before, largely due to the advancement of automotive technology. Yes, many vehicles are safer today than in years past, but does that mean driving is safer today? Staying safe on the roads is also a big reason why so many drivers in and around Bloomfield, NJ rely on the proven and professional team at E.S.T.I.R. Inc. for all their auto insurance inquiries and concerns.

Is Technology Making the Roadways Safer?

It’s fair to say that many improvements, including in areas like tire pressure, braking, and mirrors, have generally made vehicles safer. However, vehicles are only one part of the equation. More than a few groups also have serious concerns about the negative impact of technology on drivers. Namely, distracted drivers who text, video chat, or engage with technology while driving are a problem. That begs the question: Is technology making the roads safer or more dangerous?

While this debate continues, one thing is sure: the need for protection like auto insurance remains. That’s why it’s a good idea to work with established and reputable agents to get the insurance and protection you need when you drive, regardless of how technology impacts road safety.

Auto Insurance Solutions in Bloomfield, NJ

If you live or drive in and around the Bloomfield, NJ area and have questions about auto insurance or need coverage for your vehicle, we can assist. Contact us to learn more and schedule an appointment with our friendly and professional team today at E.S.T.I.R. Inc. for the insurance solutions you need and deserve.

Does My Home Insurance Cover Burglary?

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Carrying home insurance is the most effective way to protect what’s likely your biggest asset. It’s also the most reliable way to ensure the security of your family in the event that your home needs repairs. One of the most common threats to homeowners is burglary, so it stands to reason that E.S.T.I.R. Inc., serving Bloomfield, NJ, often fields questions about whether or not home insurance covers burglary.

Understanding the Extent of Coverage

Most home insurance policies do cover burglary as a potential risk, but the extent of coverage will depend upon the terms of the policy. Therefore, you should carefully review the fine print to ensure that you have adequate protection as a homeowner in case your home is burgled.

Personal Property Coverage

Most home insurance policies include personal property coverage, which reimburses homeowners for stolen items. However, there are coverage limits, especially if you own high-value possessions like jewelry, electronics, and collectibles. Your policy may require additional endorsements or riders to cover expensive items like these fully.

Dwelling and Other Structures Coverage

Suppose a burglar damages a door or window to gain entry. In that case, dwelling coverage typically pays for repairs. Detached structures like sheds and garages may also be covered under the "other structures" portion of the policy.

Coverage Limits and Exclusions

Some policies exclude losses if the home was left unoccupied for an extended period or if the break-in was due to negligence, such as leaving doors unlocked. As mentioned above, cash and certain valuable items may have limited coverage unless extra protection is purchased.

For all the details pertaining to what your home insurance may or may not cover, contact your insurance representative at E.S.T.I.R. Inc., serving Bloomfield, NJ. We look forward to assisting you soon!