Tag Archives: home insurance

Does My Home Insurance Cover Burglary?

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Carrying home insurance is the most effective way to protect what’s likely your biggest asset. It’s also the most reliable way to ensure the security of your family in the event that your home needs repairs. One of the most common threats to homeowners is burglary, so it stands to reason that E.S.T.I.R. Inc., serving Bloomfield, NJ, often fields questions about whether or not home insurance covers burglary.

Understanding the Extent of Coverage

Most home insurance policies do cover burglary as a potential risk, but the extent of coverage will depend upon the terms of the policy. Therefore, you should carefully review the fine print to ensure that you have adequate protection as a homeowner in case your home is burgled.

Personal Property Coverage

Most home insurance policies include personal property coverage, which reimburses homeowners for stolen items. However, there are coverage limits, especially if you own high-value possessions like jewelry, electronics, and collectibles. Your policy may require additional endorsements or riders to cover expensive items like these fully.

Dwelling and Other Structures Coverage

Suppose a burglar damages a door or window to gain entry. In that case, dwelling coverage typically pays for repairs. Detached structures like sheds and garages may also be covered under the "other structures" portion of the policy.

Coverage Limits and Exclusions

Some policies exclude losses if the home was left unoccupied for an extended period or if the break-in was due to negligence, such as leaving doors unlocked. As mentioned above, cash and certain valuable items may have limited coverage unless extra protection is purchased.

For all the details pertaining to what your home insurance may or may not cover, contact your insurance representative at E.S.T.I.R. Inc., serving Bloomfield, NJ. We look forward to assisting you soon!

Will Home Insurance Repair My Home After A Kitchen Fire?

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If your home has recently been damaged in a fire, your insurance policy could provide much-needed help. In such a situation, it’s important to know whether your home insurance policy covers fire damage and, if so, what steps you should take. The professionals at E.S.T.I.R. Inc., serving Bloomfield, NJ, can assist you with this process. In this article, we’ll discuss home insurance coverage and what to do if you need to make a claim.

Does Homeowners Insurance cover Fire?

Most standard home insurance policies cover damage from fire. Talk to your insurance agent to confirm if your home insurance policy provides this type of coverage. Your insurance agent can provide information about your specific policy. You can also request a copy of your home insurance policy, which is good to have on hand.

What Should I Do If I Have a Claim On My Homeowners Insurance?

If your home has recently been damaged in a fire, talk to your insurance agent as soon as the situation is under control. Your first phone call should always be to emergency services. Once the fire is extinguished and you’re ready to start the recovery process, contact your insurance agent.

Your insurance agent can guide you to the forms that need to be filled out. You will need to save receipts and may be asked to take pictures of the damage. The insurance agency will likely send a claims adjuster to assess the damage to your property.

If you have questions, call E.S.T.I.R. Inc., serving Bloomfield, NJ, today to learn more about how you can file a claim with your insurance agency.

Does My Home Insurance Require a Home Inventory?

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Creating a home inventory is a proactive step you can take to protect yourself in the event of a disaster. It also helps you stay organized during the recovery process after a disaster.

A home inventory is also a requirement for some people with home insurance. At E.S.T.I.R. Inc., servicing Bloomfield, NJ, we can help you determine whether a home inventory is a requirement for your home insurance. Here’s what you need to know.

What Is a Home Inventory?

A home inventory is a comprehensive list of your belongings. It should include model numbers, costs, purchase dates, and other information that will assist you in replacing your belongings if they are destroyed. A home inventory can simplify the rebuilding process.

With a home inventory on hand, you won’t need to worry about forgetting the things you own. You’ll be able to replace what you need with less stress.

Some people use spreadsheets and apps to create their home inventory, while others simply make a video recording of their possessions to help them remember what they have.

Does My Home Insurance Require a Home Inventory?

Some home insurance policies require a home inventory, and some do not. Your insurance agent at E.S.T.I.R. Inc. can help you determine whether your home insurance policy requires a home inventory.

Have Questions? Call The Agents At E.S.T.I.R. Inc.

The professionals at E.S.T.I.R. Inc., servicing Bloomfield, NJ, can provide advice on making and maintaining a home inventory. If your insurance requires one, we can help you create one that meets the requirements. Call today.