Bloomfield Bliss: The Key to Stress-Free Living with Home Insurance

The city of Bloomfield, NJ, offers its residents a serene suburban lifestyle within driving distance of the vibrant city of Newark. However, even in this tranquil suburban haven, homeowners must remain vigilant by protecting their homes and personal property with home insurance. 

Licensed insurance professionals at E.S.T.I.R. Inc. can discuss the benefits and features of home insurance and help you select the best policy for your needs. 

New Jersey Home Insurance Benefits

Bloomfield, NJ homeowners have invested time, money, and emotion into their homes. Unforeseen events like natural disasters, fires, thefts, or burglaries can disrupt their peace and tranquility. 

An adequate home insurance policy can help you protect your investment and restore your lost, stolen, or damaged belongings up to the policy’s limits. 

A comprehensive home insurance policy can provide financial coverage for the interior and exterior of your home, along with additional coverage for personal property and belongings. 

Knowledgeable insurance agents at E.S.T.I.R Inc. can talk to you about policy options and help you choose the best policy to fit your needs, budget, and lifestyle. 

Home Insurance is One of America’s Best-Kept Secrets

Homeowners insurance is one of the best-kept secrets to finding Bloomfield bliss. Local residents can comfortably live out their suburban dreams without the added stress of worrying about unforeseen and unpredictable events when they know their homes and finances are adequately protected from life-changing perils. 

So, please don’t wait until it’s too late to get home insurance coverage and protect your nest. Reach out to one of the knowledgeable and friendly insurance agents at E.S.T.I.R. Inc.

An agent can help you select home insurance policy options and activate your New Jersey home insurance policy today!

The Six Common Categories Covered by Home Insurance Policies

Consumers who have recently purchased a home for the first time in Bethlehem, PA, need homeowners insurance to cover their new living quarters. Typical policies have several different categories that provide essential coverage for your home. These can be confusing the first time you encounter them. The professionals at Saucon Insurance Agency will gladly explain the parts of your policy and why you need these basic coverages.

What Will My Homeowner’s Policy Cover?

Most policies have six major categories. These are:

  • Dwelling
  • Other structures
  • Personal property
  • Loss of use
  • Personal liability
  • Medical payments

Every policy will look slightly different. Yet you can expect these categories to cover most of your home and what is inside. Dwelling covers the home’s structures, foundation, and attached buildings, such as garages. It also covers appliances that may be destroyed in a fire, tornado, or similar event. Other structures are outbuildings like sheds and detached garages. Personal property involves personal belongings like furniture, clothes, etc. Loss of use will provide living expenses if your home is uninhabitable because of a covered loss. Liability pays for repairs to someone’s property damaged in your home or medical treatment for injuries. Medical payment coverage is similar but involves covering someone’s medical expenses if an incident happens in your home caused by someone else.

Does My Home Need Additional Coverage?

While those are basic coverages, you may need additional coverages for particular items. For example, valuable items such as jewelry and art will require a rider to cover their worth in case of damage or loss. You may also need special coverage if you live in a flood plain.

When you work with Saucon Insurance Agency, you won’t have to guess what type of coverage your Bethlehem, PA, home requires. Call our office today to get started on your policy.