Author Archives: AgentInsure

Protect Your Pets This Summer

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It is always a good idea to protect your pets during the summer months. When you live in Newark, you want to be sure that you are taking care of your dogs or cats when the weather becomes hotter than normal.

Hydration is important, and your pets should always have access to water. There are plenty of bowls and dispensers available on the market, so all you have to do is make sure it is always full. If you go outside, you should make sure that your pets still have water, even if it means bringing a bottle of water with you.

The summer heat can also take a toll on your pets paws. The pads that are found on the bottoms of their feet are delicate and concrete can heat up faster than you may think. There are various booties and other products that you can purchase so that their feet are protected whenever you take them outdoors.

There are going to be lots of bugs throughout the summer, and many of these can carry diseases. A single mosquito bite can transmit heartworm, which is a deadly disease for your dog or cat. The good news is that there are plenty of preventative medications and you can talk to your vet about protecting against heartworm, flea bites, and ticks.

Focus on all the different ways that you can protect your pet based upon what you are planning for the summer. Take your pet boating, but make sure that they have a life vest on. Also, never leave your dog in a parked car.

At E.S.T.I.R. Inc. we are dedicated to helping you protect you and your home. This includes your pets, too! Call us today and let us help you find an affordable homeowners policy in Newark.

 

 

Driving Tips for Teens: Listening to Music While Driving

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It’s very exciting when a teen gets his driver’s license for the first time. From wanting to visit friends and driving back and forth to school each day, many teens form a new way of living once they are given the freedom to drive on their own. Many of them also prefer to listen to their music really loud when driving. And while music is a great way to pass the time when driving, it can also be a distraction when it’s turned up too loud. 

Teens should do their best to keep music in the car to a level in which they can still hear police sirens. After all, when a police car or fire truck comes up behind them, they need to be aware so they can pull over. If their music is too loud, though, they will be breaking the law by not getting out the way. 

Teens should also keep their music to a minimal noise level when they have other passengers in the car. It’s a well-known fact that having too many passengers can be very distracting, and when music is added into the mixture, this greatly increases your teen’s chances of being in a car wreck. 

As a parent, it’s your responsibility to make sure your teen is aware of the fact that music can be distracting. Because of this, you should never set a poor example and drive around with your music too loud. By setting a good example, your teen is much more likely to be a safe driver. 

To learn more about safe teen driving in Newark, or to review your teens auto policy, contact E.S.T.I.R. Inc. today. 

Keep Your Home Cleaner With These Tips

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Keeping your home clean in New Jersey should be one of your top tasks. It is likely that you are not thrilled about cleaning simply because it takes so much time. There are a lot of cleaning tips that will keep your home cleaner, and you won’t have to work as hard as you may have thought! 

Creative hacks have been found in order to help you clean your home faster, and you don’t have to invest in a lot of expensive cleaning supplies. For example, if you want to clean your blinds, a one-to-one mixture of water and vinegar can be created and you can wipe all of the blinds down with an old sock. You can also create a paste using hot water and powdered laundry detergent to clean stainless steel fixtures and appliances.

Spending a little money on organizational tools can go a long way. You will find that it is easier to keep your home clean from day to day and week to week when you have basic organization going on throughout every room.

Preventative maintenance can be done so that it is easier to clean certain areas of the house. This includes using shower gel within the shower to keep the grout looking clean and using car wax on a flat surface stove to ensure that grease cannot get caked on.

If you are worried about odors within a particular room, you can attach a dryer sheet to the vent to help air out the area.

As you put these different tips into motion, it’s easier to keep your home clean, and you will actually have more time to do the other things that you want to do throughout your home in Newark.

Call us at ESTIR Insurance today so we can help you find affordable quotes, answer questions, and more.

 

Grill Your Heart Out With These Safety Tips

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Any time that you grill in Newark, NJ, you want to follow safety tips. It doesn’t matter what you are grilling, there are some important ways to focus on safety so that your home is not damaged in any way.

Every year people experience damage to their homes because of barbecuing. They cook too close to the house or they don’t follow some of the basic safety precautions. They always assume that it is going to happen to them. Many grilling incidents are not covered by insurance, therefore you need to be aware of how to maintain safety at all times.

Positioning

Wherever you set up the grill, you want to do so away from the house. You also want to avoid setting up in any kind of enclosure; this will ensure that the heat and flames have a place to go.

Cleaning

Cleaning your grill is an important task. This includes getting rid of the grease that builds up in the grease trap as well as various food particles that remain on the grates. It’s a good idea to invest in a wire brush to help with the cleaning process. This needs to be done on a regular basis so that you don’t experience flare-ups from burning the food.

Cooking

Any time that you are cooking on the grill, you need to be out there attending the flames. It is also a good idea to have a fire extinguisher in the general area in case a flame gets out of control.

As long as you are safe about grilling, you can grill your heart out all year long. This way, you can have peace of mind around your home, too.

Call and talk to one of our agents at ESTIR Insurance. We can help you find an affordable homeowner’s quote and much more.

 

 

Five Things You May Learn from a Commercial Insurance Review

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Did you know the population of Harrison, New Jersey dropped over 5% between the 2000 and the 2010 Census? Did you also know that the loss has already been more than made up in the five years since? Harrison is growing again, and the evidence can be seen with new developments and housing. This growth and the potential it holds have re-energized the business community. It is an exciting time.

Is your business growing? Has it changed in the past few years? Have you added new products, expanded or invested in new electronics? If it has, you should consider a business insurance review. An insurance review can tell you many things. Here are just five things you may learn from a commercial insurance review.

  1. Whether your business is covered from damage sustained from heavy snow buildup on your roof.
  2. What types of water damage your policy covers.
  3. If the windows in your storefront are covered for breakage.
  4. Whether you are covered for theft or not, and to what extent.
  5. If you are paying too much for coverage that is inadequate.

If your business is in or near the 07029 zip code, your E.S.T.I.R. insurance agent would be pleased to offer you a complimentary, no obligation business insurance review. This is particularly important if it has been a while since you’ve last reviewed your coverage. If your coverage is inadequate, our independent agents will scour multiple companies to find a policy that fits your business and your budget.

Visit our website and get comparative quotes on your auto or homeowners insurance. Once you see how we can save you money, we are counting on you calling us for a business insurance review.

E.S.T.I.R. is pleased to serve Harrison and excited for what the coming years will bring. We would be pleased to be a part of your team.

The Biggest Pitfall of Buying Newark, New Jersey Commercial Insurance

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There are some sizeable businesses headquartered in Newark, New Jersey. Prudential Financial and The Panasonic Corporation of North America call Newark home. We are also home to hundreds of smaller, independent businesses who contribute to the economy and provide jobs. These small business are a critical part of Newark and deserve your support. Large or small, all businesses need to protect their interest. They generally do it with commercial insurance.

There can be pitfalls in buying commercial insurance. Insurance can sometimes be a bit complicated. You have captive agents and independent agents. There’s Special Form insurance and Basic Form insurance. There are coverage limits and deductibles to be concerned about. You don’t want to overpay, but you don’t want inadequate coverage either. But what is the biggest pitfall of buying Newark business insurance?

It may be not giving yourself enough options.

That is what an independent agency like E.S.T.I.R. can deliver for you. Captive agents only have the opportunity to show you a rate from the single company they represent. In an effort to get a better price from that company, coverage may be trimmed. That can become a problem. Independent agents can scour multiple companies. In this search, our professionals can help find the appropriate options at the best possible price.

You can give us a try with your personal insurance. Visit our website and get a comparative quote on your automobile or homeowners insurance. When you see the results, we hope you will let us quote your business insurance.

Avoid the pitfalls of buying Newark commercial insurance for your business. Make the most of your budget and get the coverage you need by getting the options you deserve. Contact E.S.T.I.R. and put us to work for you.

The Daily Threat of a Personal Injury Claim

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Harrison, New Jersey and the 07029 zip code have, and continue to go through some major changes. The relatively recent addition of Red Bull Stadium and the Harrison Waterfront Improvement Plan hold promise for the future. For those of us who live and work in the region, it is an interesting time of transition as the area moves away from its industrial roots. Change is inevitable they say.

One thing that hasn’t changed is protecting what you have worked hard in life to earn. For those who own a house in the area, it means making sure you have proper homeowners insurance. While homeowners insurance can protect you from theft, fire, weather and other calamities, it can also protect you from the daily threat of a personal injury claim.

A personal injury claim can arise from almost anywhere, at any time. It can be the result of an uneven path to your front door, a loose piece of carpeting on the stairs, or an unseen hole in your yard. The claims can come from neighbors, relatives, or the guy you hire to mow your yard or shovel your snow. Many times homeowners never see these claims coming. That’s why liability coverage is such a critical component of a homeowners policy.

If you are unsure about your homeowners insurance and the protection it provides, contact us. We will be happy to provide a free insurance review. You will at least have better peace of mind knowing what you do and do not have coverage for. If you choose, you can get a comparative homeowners or auto insurance quote right online. Try it for yourself.

Contact us today. We are an independent insurance agency proud to serve the Harrison area. We would be pleased to serve you.

Sinking Porch: Does Your Homeowners Insurance Have You Covered?

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Whether you reside near Branch Brook Park or out near Forest Hill, keeping your Newark, New Jersey home in good shape is on the top of the priority list for any homeowner. So when you notice your foundation is cracking and you have a sinking porch on your hands, what are your options? It all depends on what level of homeowners insurance coverage you’ve invested in.

Put Your Trust in Quality Coverage

When you’ve invested as much time and money into something like your home, it only makes sense to protect that investment in the best way possible. Quality homeowners insurance can help make sure that all of your efforts will be honored in the best way possible.

Shopping for insurance can be a bit of a chore but at E.S.T.I.R. Insurance we want to make the process as easy as possible. We can help connect you with top national insurance providers to find a policy that fits both your needs and your budget. Insurance laws vary by state but with our local independent agents by your side, you can rest assured that you’ll have a policy that is up to New Jersey standards.

Get Your Quote Today

Don’t let repairs for a bad foundation or sinking porch break the bank. With E.S.T.I.R Insurance, you can find comprehensive and affordable insurance coverage online in just minutes. We make shopping for and comparing quotes easier than ever before with our speedy online quoting system.

Don’t get caught without the right level of coverage when you need it most. Our online quoting system makes keeping your Newark home safe and protected simple and easy. Visit us online today to get your quote and give your family the gift of peace of mind for many years to come.

How Many Drivers Can You Add to Your Auto Policy?

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From visiting the Newark Reservoir to taking a long stroll at White Clay Creek State Park, there are so many things to do in and around Newark, New Jersey.  While you're driving from one attraction to another, you'll definitely want to make sure you are driving in a car that has insurance on it.  If you intend on letting someone else besides yourself drive your car, it is imperative to ensure they are covered under your car insurance policy.  Here's a quick look at adding drivers to your policy. 

You can essentially add as many drivers to your policy as you see fit; however, there are a few things to keep in mind.  First and foremost, the primary driver listed on the policy must be the actual owner of the car — meaning the title of the car must be in that person's name.  Secondly, the driving record of anyone you add on as a driver will affect your premium.  

If you intend on letting someone drive your car and you haven't added him or her to your policy, you'll want to contact your insurance company and see if the person can at least be added during the period of time that the person is going to be driving your car.  Some insurance companies will allow you to do this free of charge.  Take for instance that you and your cousin Sally who lives in Minnesota are taking a road trip to Kentucky.  Since it's such a long trip, there's a good chance that Sally will be driving your car part of the way, so you'll want to make sure she is covered on your policy.

To learn more about adding drivers to your auto insurance policy, contact one of our reputable insurance agents today.  This will help you rest assured that you are not liable for property or personal damage if another driver was to have an accident while driving your car. 

Does Past Damage Affect Auto Insurance Costs?

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Throughout Irvington, New Jersey, there is a lot of charm to attract tourists and residents alike. The population is around 50,000 and provides a lot of the big city features while still keeping the history preserved. The township was founded in 1692 and there are museums and buildings that help to tell the story of the area.

When you purchase auto insurance, the insurance company is going to look at a few different things prior to quoting you for insurance. This includes any kind of past damage that may have taken place.

Past damage comes in the form of looking at your driving history. If you had a crash in Irvington a year ago, whether you were the cause of the accident or not, it is going to impact the cost of your insurance.

Past damage can also be seen with an inspection. Some auto insurance companies will want you to take your car into a location for an inspection prior to them insuring you. This ensures they can document previous damage to avoid having to pay for something that happened prior to the policy becoming effective.

It’s always a good idea to work with an insurance agent in New Jersey to find out what it’s going to cost to get a policy. If you have had damage in the past, either through an accident or some other event, you will want to make sure it has a minimal impact on insurance costs.

We are independent agents, which means we work with some of the top insurance companies in Texas. This makes it easier for us to search the best deals. We will get quotes from multiple companies so you can compare and make an educated decision on the most comprehensive policy at an affordable price.