New Jersey Home Insurance Coverage

Your home contains your most valuable possessions, and it alone is worth a considerable amount of the money you've earned over the years, so it's essential to have a homeowners insurance policy that is adequate for your home's value.

To make sure that you're getting the lowest possible rates on your homeowners insurance, you should compare New Jersey home insurance quotes online at the E.S.T.I.R. Inc. website. Your local independent agency, serving the Newark, Montclair and Livingston areas, makes it easy for you to get online quotes to compare homeowners insurance policies. Simply fill out all applicable fields in the online application form, submit it and within a few minutes you'll have a list of nationally recognized insurance companies that serve your area.

List in hand, take time to read up on what each policy covers, comparing them as you go. Don't simply choose the cheapest one without first reading it thoroughly and, if you have questions, talk with an independent agent at E.S.T.I.R. Inc. We're here to help you navigate the often-confusing waters of insurance and are happy to explain industry jargon and what the list of plans do and do not cover. This task may require you to give up a couple of hours of your evening television viewing, but once you choose a new policy, you may save hundreds of dollars, making this a great return on your small time investment. Best of all, you can do it from the convenience of your home.

Most Home Insurance in New Jersey Doesn't Cover Flooding

You'll be hard pressed to find a homeowners insurance company--anywhere in the United States--that provides flooding coverage, so be sure to factor in the cost of a policy if you are in an area that either requires, or should have, such coverage.

Take A Home Inventory

One item of business that you should take care of immediately, is to make a list of all the valuable items in your home with their current value. Make a copy of the list and store it off-site, either in a safe deposit box at your bank or in the home of a trusted family member. In the event you need to make a claim on your home, this will help the insurance company determine the amount of money for which you're eligible. It will also help you decide how much coverage you need to buy now.

For more information about property and homeowners insurance in New Jersey, or to talk with an experienced agency, contact E.S.T.I.R. Inc. today.