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.

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.

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.

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.

If you live in Harrison, you’ve worked hard and know the value of the money you’ve earned. That hard work has paid off with owning a home for you and your family. Now you need to protect that home from any personal injury claims that might be filed by somebody who gets hurt on your property. All it takes is for the cable guy to trip on your front steps, tear the cartilage in his knee and break his arm trying to break his fall. Now you have a personal injury claim, and you have to defend it. That’s what homeowners insurance is for. Without it, you’re looking at paying thousands and thousands of out-of-pocket liability. You just don’t that that kind of money sitting around.

On a covered peril like the cable guy, homeowners insurance that we set you up with can pay his medical bills, lost earnings and any future permanency. If he sues you, it can even pay your court costs and retain attorneys to represent you, all at no cost to you after your deductible. That’s a pretty sweet deal.

We’re independent insurance agents right here in Harrison. We live and work in Zip Code 07029 just like you do. Our kids might even go to the same school. Because we’re independent agents, we offer homeowners insurance coverage from several different insurers, and not just from one giant super sized insurance company. Due to our unique position, we give you objective and unbiased choices of who your insurer will be, what coverage you’ll have and how much you’ll pay in premiums. Other agents just aren’t allowed to do that. If you’re looking for new homeowners insurance or want to increase your coverage, just call us. We’re happy to talk to you.

Homeowners policies are extensive, but they don’t provide unending coverage against anything that could happen to your home. Instead, home insurance operates on a set of listed perils that cover common issues that befall homes. In some areas, you can purchase additional insurance protection for perils that aren’t included in this list, which most often includes flood insurance for Harrison, NJ.

To get an idea of what you can file claims about with a basic home insurance policy, here are a few of the listed perils. Fire and fires caused by lightning is one of the most common protections offered by homeowners insurance. There is some complexity with fire related claims, as some claims may be denied if an investigation reveals that the fire was intentionally set by one of the occupants of the home. If lightning strikes your home and causes damage, particularly damage to the electrical systems of the house, this is also covered.

The next common natural disaster that gets covered is wind and hail damage. You might not think that these could cause all that much of an issue, but if the wind speeds are high enough and the hail is large enough, your house and property can take a beating.

For accidents that aren’t caused by nature, one of the most common situations you may end up dealing with are vehicles that have hit your home or garage. This particular listed peril also covers aircraft impact, although that’s thankfully not a common situation.

Have questions about listed perils available on homeowners insurance in Harrison NJ? Talk to our independent agents to find out all of the options your home qualifies for.

The process of buying a home can be exciting; however, you should also evaluate the possible risks that can arise and purchase a homeowner's policy that is appropriate for your needs. When you are sure about the coverage that you want, you can compare homeowners insurance rates to find the best policies for your current situation. As your independent agent, we can assist with the process so that you can find the best policy.

Using Online Tools

Comparing homeowners insurance rates does not mean that you must talk to an agent over the phone. You can also use online tools to compare your options and quickly look at the top insurance providers in the area.

As your independent agency, we provide online comparison tools for homeowner's insurance that provide results within a short period of time. The online tools will ask for some basic information, such as the size of the house and the number of bedrooms, so that you can get accurate quotes.

Obtaining Professional Help

If you are not sure about the different policies, then you can also talk to an agent over the phone. An agent is available at any time to answer your questions and offer recommendations based on your goals.

Along with the basic services that an agent offers, you can ask for advice or explanations of the policy options. The best policy for your situation may vary, so you should always look at several plans before you make the purchase.

Homeowner's insurance is an important part of protecting your home, but that does not mean that you must over-spend for your coverage. With the assistance of professional agents, you can compare your rates quickly and find an affordable option. To learn more about coverage for your home, contact us today.

Stolen money is covered under many home insurance policies, but not all. It is extremely vital that you talk to your insurance agent about exactly how much money (if any) that your home insurance policy will cover in the event of a break in or the total destruction of the home (for example, if your home succumbed to an electrical fire and your cash was lost along with everything else).

Many insurance policies will cover cash up to a specified amount. This amount can vary widely and could be anything from a hundred dollars up to several thousand dollars. If you plan to keep large amounts of cash in the home, or if you plan to keep any other highly valuable items in your home (large amounts of very pricey jewelry, for example) you need to ask your independent agent about adding a rider to your homeowner’s insurance policy.

A rider is simply a small addition to your homeowner’s insurance policy that will provide additional coverage not specified in the main policy. Most people elect to secure riders in situations where their primary homeowner’s insurance coverage would be insufficient to fully replace something in the event of total loss.

You may be able to get an insurance rider for only a specific amount if it involves keeping cash in your home. If you have been keeping large amounts of cash in your home and your insurance agency cannot provide a large enough homeowner’s policy and/or rider to cover a potential total loss, you should talk to your agent about other options for keeping your money safely.

Don’t get caught without the level of homeowners insurance coverage you need. Keep everything, including your money, safe and secure by comparing quotes online with E.S.T.I.R insurance. We will help you determine which options are available to ensure your home and your family stay safe and secure.

Black mold, technically called toxy stachybotrys, can cause significant health problems, from dizziness and nausea to hallucinations, anxiety, depression, and personality changes–which is why addressing mold problems in your home is a serious concern. Of course, most black mold isn’t toxic and doesn’t cause side effects. But no matter what kind of mold you’re trying to remove from your home, you could be facing tens of thousands of dollars in remediation costs.

Will homeowner’s insurance cover mold remediation and restoration?

Most standard homeowner’s insurance policies don’t cover mold remediation. Not, that is, unless it’s linked to a peril specifically covered by your policy. For instance, if a pipe leak that is covered by your home insurance results in mold damage in the ceiling and wall beneath, that mold damage would likely be covered.

Your policy is most likely to be denied if the claim is based solely on the mold itself, not linked to a contributing factor. Claims are also more likely to be rejected if your home is exposed to heavy humidity on a consistent basis or if a leak or other issue has been neglected for some time.

Finding out for sure whether your damages are covered

Because every homeowner’s policy is different, your first step is to document your mold problem–take pictures and try to tell how extensive the damage is–and then contact your insurance agent. They’ll be able to go over your policy with you, answer your questions, and help file a claim.

If you’re concerned about mold damage in the future, you may be able to switch to a home insurance policy that’s sure to cover the damage; in this case, contact a local independent agent to talk about your coverage options.

Additional insurance may or may not need to be purchased to cover the personal belongings of a teenager who has recently gone away to college. Whether or not additional coverage will need to be added to cover personal belongings will depend upon where the child will be living and where the items will be stored.

Teenagers from Newark, NJ that stay in dorms will be covered by their parents’ homeowner’s policy. The homeowner’s policy typically will cover any incidents of theft, fire, or vandalism that may occur with a teenager’s personal belongings.

When covered under a parent’s homeowner’s policy, the coverage that is offered is limited. Most homeowner’s policies will place a 10% limit on the amount that will cover a teen’s personal property. If the 10% limit is not enough to cover the cost of personal belongings, the parents may need to consider increasing the personal property limit on their policy.

There is also another limitation placed on being covered under a parent’s homeowner’s policy – the child and their belongings must return home every 45 days. If a child is staying in a dorm for longer than 45 days, their personal belongings may not be covered under a homeowner’s policy and additional coverage may need to be purchased.

Teenagers that are going away to college and living in off-campus housing or a frat/sorority house will need to have an additional policy purchased as a parent’s homeowner’s policy will not cover personal belongings kept at these locations. An additional policy, such as renter’s insurance, may provide the additional coverage needed to protect these items.

If you are sending a child off to college make sure you have the proper insurance needed to protect personal belongings. As your independent agent, we can help you find and compare policies from different companies that will offer protection for your child’s personal belongings while they are at school.