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! 

Tips to Avoid Fender Bender Fraud

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Fender bender fraud raises car insurance premiums for all drivers out on the road every year by costing insurance companies enormous sums of money. As a driver, you can do your part to minimize another driver’s chances of pulling off insurance fraud with the following five helpful tips:

Always get a police report written up

Sometimes, drivers are tempted to forego the police report because it usually takes a lot of time to wait for the police to arrive on the accident scene. However, any time you’re exchanging insurance information with another driver, you should also be having the police come in to observe and mediate the proceedings. 

Look for witnesses

It’s often hard for drivers who are shy to get the witness testimony they need because they’re reluctant to question bystanders. However, doing so could really help you out later on. If you have numerous witness testimonies backing you up and supporting the idea that a claim is fraudulent, you’ll be able to protect yourself from unfair claims on your insurance policy. 

Take pictures

After the accident, take pictures of everything. Pictures are especially useful in proving that an individual was not really severely injured at the time of the accident. You therefore might even want to get pictures of the other drivers involved if possible. 

Communicate with your insurance company

If your suspicious of fender bender fraud, you should tell your insurance company. Your insurance company knows how to investigate suspicious cases. If you want to prevent your rates from going up because of an unfair claim, notify your insurance provider of any suspicions right away. 

Interested in learning more? For an auto insurance authority located in the Newark area, contact E.S.T.I.R. Inc.