Life insurance is very important. It provides protection for you as well as your family in the event of your passing. There are different myths that you need to know about in order to effectively purchase a policy in Newark.

You are Too Young

Many people believe that they are too young for life insurance and this is something that should be purchased upon retirement. The reality is that there are plenty of reasons why 30 and 40-year-olds should be purchasing life insurance, and at the top of the list is that it is more affordable.

Employer-Provided Policies are Sufficient

Every policy is a little different and therefore you need to look at what your employer is providing. It is likely a term policy and disappears once you leave the company. It may also only be one or two times your annual salary, which would not be sufficient enough to protect your family.

Online is Where to Buy a Policy

While you can get some deals online when purchasing life insurance, many people purchase without knowing exactly what they are getting. Speak to an independent insurance agent so that you can discover more about available policy options.

Buy Term and Invest the Rest

There are some big differences between term, whole, and universal life insurance. A big myth is that people believe you should buy term life insurance and then invest the difference since it is the cheaper option. However, whole and universal can provide a cash value – and it is definitely something worth exploring, especially if you have it available within your budget.

There are plenty of other myths out there, and speaking to an independent insurance agent can enlighten you about the possibilities.

At E.S.T.I.R. Inc. we look forward to helping you find a policy that you can count on for life insurance. Call now and one of our agents can answer questions, get quotes, and more.

After a wedding, the last thing most couples have on their mind is to call their insurance agent. At E.S.T.I.R. Inc., however, we strongly urge newlyweds to contact their insurance agent shortly after becoming wed. Many insurers will give couples discounts on their insurance rates after they’re married, but insurance agents can only help couples get this discount if couples first call to share the good news.

Many Married Couples Qualify for Multi-Policy Discounts

There are many insurance discounts that people may qualify for. One that married couples, in particular, often qualify for is a multi-policy discount. Most insurers will lower a couple’s insurance premiums if they have more than one policy with the insurer.

While individuals who maintain both an auto insurance policy and at least one other insurance policy may qualify for a multi-policy discount, not all single people have more than one policy. Married couples, however, often have more than one car and also need homeowners, condo or renters insurance. Therefore, most married couples qualify for multi-policy discounts if they purchase all of their insurance policies through one company.

Contact Your Insurance Agent to Learn More About Multi-Policy Discounts

Multi-policy discounts vary from insurer to insurer, even though almost all insurance companies offer them. If you’d like to learn more about any multi-policy discounts that your insurer offers, contact your insurance agent. They’ll be able to help you figure out whether you qualify for a discount and what you need to do to get it if you do.

If you don’t have an insurance agent, or if your insurer doesn’t offer a large discount, contact us at E.S.T.I.R. Inc. We have independent insurance agents who can compare discounts from every insurer in Newark, NJ and find you the best one. To reach us, send us a message through our website or give us a call today!

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.

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.

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.