Best reasons for having auto insurance in Newark, NJ

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

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

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

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

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.