Author Archives: AgentInsure

Layers of Rental Car Coverage

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If you travel, you are bound to require a rental vehicle. There are also cases where you may never drive but have a day of errands or even leisure in Newark, New Jersey and find yourself needing a rental but there is a question about insurance. If you own a vehicle, you likely have New Jersey’s minimum coverage. The Automobile Insurance Cost Reduction Act requires all auto owners to have basic insurance to be road-legal while driving. Most rental services will offer loss damage waivers (LDW) and collision damage waivers (CDW), taking the place of your collision and comprehensive insurance but the exemptions differ and come with deductibles. In other cases, it could null and void if the accident is your fault. But there is a way to lessen the potential for disaster.

Non-owner car insurance covers drivers who do not own a vehicle but do drive on occasion. Be that a rental or a friend’s car, having supplemental insurance is never a bad idea.  Not only are you ensuring that you do not go into debt because of the unpredictability of an accident, but you are also protecting yourself from future choices. Non-owner insurance is ideal if you will be without a vehicle for a period of time. By purchasing non-owner insurance through E.S.T.I.R. Inc. , you are also avoiding higher insurance costs for when you do buy a car and insurance. 

Rental car insurance varies in price and coverage. The waivers are often confusing, and chances are you are paying too much for an insurance plan that you could obtain for yourself. Relying on a third party that is a stranger may lead you to find yourself in a bind. E.S.T.I.R. Inc. auto insurance ensures the safety of your wallet and well-being. Give them a call today.

 

Best reasons for having auto insurance in Newark, NJ

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A big bustling city like Newark, New Jersey requires most residents to have a vehicle to get around, which means most residents will also need some form of auto insurance policy. Below are the best reasons for having an auto insurance policy in a place like Newark, NJ.

IT’S THE LAW

You need to have some form of insurance if you are driving in New Jersey, so that you can cover an accident if you are in one and not cost someone else a lot of money or cost yourself a lot of money. If you don’t have insurance or proof of insurance while driving in Newark, you may receive a ticket and an order to get insurance before you can legally drive again.

IT GIVES YOU PEACE OF MIND

There is a lot to worry about when driving on the road, from other people possibly hitting you in their cars to your car malfunctioning or a tire blowing and causing you to have an accident. One less thing to worry about with auto insurance is who is going to pay for all of this if one of these unexpected things does happen while you are driving. Without auto insurance, the cost of an accident can easily skyrocket into the tens if not hundreds of thousands of dollar range. With auto insurance, you basically don’t have to worry about most accidents costing you more than your deductible payment.

YOU’RE PROTECTED FINANCIALLY FROM LAWSUITS

You’re also protected from any lawsuits that may arise from an accident you have while driving thanks to your auto insurance company. They will go to court for you and pay the judgment if they lose the case against whoever is suing you. If you don’t have insurance, then you will have to deal with all of this yourself.

Prepping Your Home for Colder Weather

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Winter is a gorgeous time of year in Newark, NJ, and there are a lot of things that come along with that. For many, winter is a time to venture into the city and enjoy all of the colder climate activities. However, there are also some things you should do to prep your home for the colder weather. Before fall slips away, use these tips from E.S.T.I.R. Inc. to prep your home.

  • Clean out your gutters. In the fall, the leaves will start to fall and some of them will end up in your gutters. While the changing fall colors are beautiful, they are not so wonderful when they are clogging up your gutters. Before the first snow falls, you should make sure these are cleaned out.
  • Get your heater examined. You likely haven’t thought about using your heater since last winter. Before you try to use it, you should get it looked at by a professional. Getting regular maintenance on your heater is important and fall is a great time to get it done. Plus, it is always good to catch a problem before you need to use the heater. Additionally, this time of year is a great time to also change your filters in the home to ensure your heater is able to work optimally.
  • Get home insurance. One of the biggest mistakes homeowners make is not having home insurance in place for their home. It is definitely something that can help in a variety of ways and we recommend it for every homeowner. You should protect your investment with home insurance all year long and if you do not have it now, it is time to explore some of your options.

If you are interested in learning more about home insurance and getting some quotes, be sure to contact E.S.T.I.R. Inc. serving Newark, NJ. We can even help you by examining your current policy for any gaps.

Residents of New Jersey: Keep Your Family Safe With Automobile Insurance

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In life, one of the most important things is a person’s family in all walks of life. Keeping your family safe in your vehicle, this is certainly no exception to that – and perhaps it is among the most important places to keep them safe. In all, one of the best ways to do this is to make sure that you have proper automobile insurance. In order to operate a vehicle, a driver is required to – from the very first moment – have automobile insurance. Thankfully, in New Jersey, the Automobile Insurance Cost Reduction Act ensures that drivers should have a basic policy available no matter what level of experience you hold. However, the basic plan is not the best out there for families and definitely skews more strongly to drivers who have fewer responsibilities (such as younger drivers).

A basic plan may be good start if you are without any other options at your disposal, but it is important to also consider plans that work the best for you. Understandably, it can be a very difficult and stressful process, trying to figure out exactly which plan is it that works for you. Thankfully for you, E.S.T.I.R. Inc. has one priority, to get you exactly the kind of coverage you need. We do this by examining your situation in life and your specific needs, and in minutes we can offer a selection of insurance options for you.

People in and around the New Jersey area who are still finding themselves confused by all of the red tape and such of insurance can contact us at E.S.T.I.R. Inc. either online or by phone at (973) 481-5300. Insurance is important, so we will do everything we can to get you protected.

Preparing Your Trees for the Upcoming Winter and Preventing Hazardous Tree Accidents

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During the winter months, trees can cause you to have to file a homeowner’s insurance claim. However, there is something you can do to minimize the likelihood that this will happen. Preparing your trees for winter can help decrease tree-related problems this winter. Here are two ways you can do this.

Remove Dead Trees

If your tree is dead, remove it in the fall, before the winter months come. A dead tree has a bad root system and can easily topple over when the wind blows. This can cause significant damage. Removing the tree is the best way to prevent this. If you are unsure if a tree is dead, a landscaper or arborist can help make that determination.

Trim Away Overgrown Branches

The second way you can prevent hazardous tree accidents is to trim away overgrown branches. Overgrown branches can fall off when the wind blows or if large amounts of snow or ice accumulate on the branches, weighing them down. Trimming them away in the fall months helps prevent this problem.

Failing to prepare your yard for winter can lead to dead or overgrown tree branches falling on your home or your car. In turn, this may cause you to have to file a claim with your homeowner’s insurance company. If this has got you thinking about homeowners insurance, you may be wondering if you have enough coverage or you may be looking to change your policy. Contact E.S.T.I.R. Inc. serving the Newark, NJ area, for all of your homeowner’s insurance needs. Let us review your policy, determine what coverages you need and even provide you with quotes for a new policy today.

 

Protect Your New Business with Commercial Insurance

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Congratulations! You’ve gone into business for yourself. No more bosses or time clocks! Except now if a mistake occurs, it is all on you. Did you insure your new company, protecting your ability to remain operating in the case of accident or disaster? Are your personal assets protected from business decisions, good or bad? If the answer is no, you might want to think about commercial insurance products from E.S.T.I.R. Inc. 

Loss of Company Building

Fires and major storms will happen. Should the property burn down that your new business is located in, how will you rebuild? With the right protection in place, you will be able to replace or relocate and start sending out product to your anxious customers once again.  Otherwise, your dream that you invested all your money and effort into will simply vanish in a column of smoke.

No Business During Construction

Should the aging road outside your property undergo badly needed repairs by the state, how will you get patrons to your front door or your product out? With no commerce happening during the fragile first few years of operation, how likely is it that you could survive a month or two of lost income?  Commercial insurance can provide enough cash during an interruption in business to protect your most valuable asset.

Replace Damaged Equipment

The industrial press needed to build your business cost almost as much as the building.  Should it fail due to vandalism without warranty, where are you going to raise the capital to replace it? Your capital equipment would be protected with the right policy.

E.S.T.I.R. Inc. has all the commercial insurance products needed to ensure your new business can flourish for years to come. Give them a call today.

Why You Should Review Your Home Insurance Annually

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It’s easy to purchase home insurance and forget it. After getting the coverage, it’s done, right? Wrong. The insurance industry is a dynamic industry. Changes can take place at any given moment. As a result of that, you should seriously consider analyzing your home insurance policy at least once a year.

Industry Changes Can Trigger Policy Changes

The insurance industry is one of the largest industries in the United States. As such, they can effect laws governing insurance regulations within Newark, NJ. Since laws affecting your policy can become effective during your policy, the sooner you are aware of the change, the better off you will be. For instance, if you don’t get an annual review, it’s possible for you to remain uninformed about changes concerning what is covered in your policy. Or worst, after experiencing a loss, you find out it’s not covered by your policy.

Reviews Can Uncover Savings or Additional Features

One of the main reasons you should consider getting an annual review of your home insurance policy is to save money. The insurance industry is highly competitive. Increased competition drives prices down. By getting an annual review, you may find that you are eligible to receive a discount. Additionally, you may find that your insurance company is rewarding your loyalty by giving you extra features for the same rate.

Cover Your Home Thoroughly

As a homeowner, you make improvements on your home throughout the year. You may add more room onto your garage or an additional bedroom. Without informing your insurance company, they wouldn’t know you improved your home. Your annual review is a great time to ensure that all the upgrades you made to your home are covered by your home insurance.

At E.S.T.I.R. Inc. we encourage our customers to schedule an annual review. Our licensed insurance agents are more than happy to review your policy to ensure you have the home insurance you need in the event of a loss. Give us a call today to schedule your annual review.

Different Kinds of Auto Insurance to Consider

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When it comes to finding the right kind of auto insurance in and around Newark, NJ there are many different options available to you. You simply need to decide which kind of auto insurance is right for you. At E.S.T.I.R. Inc. we are here to show you all of the available options so you can decide what sort of coverage works for your particular budget and your driving needs. 

Liability Insurance

This form of auto insurance will protect you in the event of a car accident when it is deemed to be your fault for the accident. This is generally going to cover the cost of auto repairs for the property and other damage the other vehicle and property owners have sustained. 

Comprehensive Insurance

This is a kind of insurance coverage that will protect you from accidents that are not related to actual driving. For example, it can protect you from weather damage, like a tree falling onto your vehicle. It also covers your vehicle if you hit a deer while out driving or if the vehicle is stolen. You never know when such an incident might take place, so this is an insurance coverage that often is recommended. 

Collision Insurance

Collision insurance is a form of coverage that pays to have your vehicle repaired in the event of an accident. It will also cover your vehicle if it is totaled in an accident and you need to have it replaced. 

Underinsured/Uninsured Coverage

Everyone is required to have auto insurance while driving on roads in New Jersey. However, with that said, people still drive without this coverage. This generally ends up costing a driver such as yourself. In order to protect yourself in the event you are in an accident with such an individual, you should consider this insurance. 

Newark Goes Green: Tips to Recycle Home Items

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Recycling is something we all know we should do, but it’s clear that not every American practices good habits. To avoid this fate, it helps to be aware of common household items you can recycle around the house. Start rethinking the following items today to have less negative impact on the environment. 

Paper In Every Form 

Cereal boxes and junk mail all count, so before you absentmindedly stick another piece of packaging into the trash remind yourself that it doesn’t go there. Paper plates and paper cups also need to be in the recycling bins after you throw a party. People may toss these things plus other common paper products like books or shredded documents because it’s easier to do than find a recycling facility, but you need to make the effort to get these items to the right place. 

Electronics: DVDs, Batteries and Computers 

None of these things belong in the trash. Beyond being a wasteful act, they actually contain ingredients that may contaminate the water or the ground. Few areas don’t have a recycling center for these items, although it’s generally not in the same location as the people who take soda bottles and cardboard. 

Miscellaneous Items

Get creative here! Paper towel rolls may keep the different wires for your TV from getting all tangled. Reuse take-out plastic containers instead of buying new ones. Make a watering container out of an old milk jug, and use your ratty clothes as rags if you can’t find a place to recycle them. Take your nicer clothes to Goodwill or the Salvation Army. 

E.S.T.I.R. Inc. provides homeowners insurance to the people of Newark, NJ and we want you to call us if you’re rethinking your current policy. We can get you a quote today!

 

Facts on Premium vs. Regular Gas Every Driver Should Know

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When it comes to the matter of fueling one’s vehicle, quality is, at times, much more important than quantity. On the flip side, many cars are better off with just regular gas. Are you having trouble differentiating between the two? Not to worry. The following is a closer look at the differences between premium versus regular gas to decide which type is best for your car. 

If Premium Is Not Specified, It’s Not Needed

First and foremost, you might believe that you are helping your car out by purchasing premium gas. However, unless the need for premium fuel is explicitly stated, your vehicle will not operate any more proficiently with premium gas. 

Engine Type

Moreover, if your vehicle does not specify premium gas, it’s likely with good reason. The vehicles that suggest premium gas have turbochargers, high-compression engines, and other high-performance aspects that are given a boost when they are powered by premium fuel. 

Top Tier Gas Benefits 

In addition to that, fueling your vehicle with Top Tier gas, in general, can provide your car with a host of benefits. By specifically gassing your vehicle up with fuel marked "Top Tier", you will be purchasing gas that has received an official designation from the Environmental Protection Agency and thus, guarantees that the gas meets a minimum standard in terms of performance as well as cleanliness. 

Overall, no matter what type of gas you choose, the best way to save money on car-related expenses by purchasing quality auto insurance. For instance, E.S.T.I.R. Inc. proudly serves the area of Newark, NJ. Providing an array of customizable package options, give them a call today and save!