Month: July 2014

Homeowners insurance cover for water leakage in CT

Posted on by AgentInsure

When there is a leak under the sink or along any pipes within the house, it may be possible to make a claim for the damages on your home insurance policy. The problem is that the situation will ultimately determine your options and the choices that you have available can vary based on several factors.

Slow Leaks

A slow leak is not usually covered by the basic homeowner’s insurance policy because it is a problem that you can fix before it gets out of control and damages the room or the house. Although many slow leaks can be prevented, there may be situations that allow you to make a claim on your policy.

Situations that allow you to make a claim on your policy may relate to the location of the leak. For example, a pipe that is under the house and that you do not see regularly or have easy access to check on it. You may be covered in those situations if a leak gets bad enough to damage your property, but usually slow leaks are easy to repair if you catch the problem early.

Sudden Leaks

If a pipe bursts and you suddenly have a large leak or your house starts to flood because the pipe burst, then you may be covered by your home insurance policy.

Generally, situations that are beyond your personal control and do not relate to regular maintenance can be claimed in your policy.

There are a variety of situations that can arise and a leak is not always covered by your homeowner’s policy. The key is focusing on the situation so that you can determine if you are covered or if you will pay for the damages personally. Contact us to talk to an agent for more details.

Insure more than one bike on single policy in Newington, CT

Posted on by AgentInsure

When you have more than one motorcycle, it can be beneficial to put both bikes under the same motorcycle insurance policy in Newington, CT. By putting both bikes on the same policy, you may qualify for discounts and special rates that can help bring down your costs or provide an opportunity to purchase additional coverage.

Discounts for Coverage

By covering two motorcycles under the same policy, you may qualify for new discounts and lower rates. Depending on the rates and reductions, you may be able to enjoy additional coverage or you can keep your motorcycles safe while you are on the road.

The reductions that you can expect vary between policies and insurers, so the details about your premium can depend on several factors. Discounts are not always available, so you may need to ask your motorcycle insurance provider about reductions before you decide to put both motorcycles under the same policy.

Buying Additional Protection

Since it may be possible to reduce your premium, it can be beneficial to consider your current policy and compare your options before you determine if the plan is still appropriate. In some cases, you may want to purchase additional protection for your motorcycle or for potential injuries that can take place.

Additional coverage that is available can vary between insurers and plans, so you may need to consider a variety of policies before you decide on a plan. Compare your options so that you can get the best rate for your specific concerns and goals.

There are benefits to insuring more than one motorcycle under the same policy, particularly when it relates to the price and coverage that is available. Contact us to talk to an agent for more details about your options.

Does Car Insurance increase after an at fault accident in Hartford, CT

Posted on by AgentInsure

When you are involved in an accident, it is likely that your car insurance premium will increase in Hartford, CT. An at-fault collision, or an accident that you caused, may increase your rates further than an accident that was caused by another driver, but the actual amount that you will pay will depend on several factors.

Your Policy

Ultimately, your specific policy will determine how much you can expect to pay and the impact on your plan. If you have accident forgiveness on your policy, then a single accident may not have much impact on your premiums. On the other hand, it may have a major impact on your premium if the accident was severe and the damages to the other vehicle were significant.

The details of your plan will determine if you have solutions available to keep the premium down. You may also lose some of your discounts after an accident, which can further increase the rate.

The Current Situation

Your driving record will also play a role in the impact on your policy. If you get into an accident after you have gotten a recent traffic ticket, then you can expect to pay more than an individual who got into an accident without the negative mark on the current driving record.

Situations can vary, so the exact impact on your policy and premium may differ. Your insurance provider can also play a role because the insurer may have minimum standards regarding changes to a policy.

There are a variety of factors that contribute to the cost of your insurance premium. Depending on the situation, an at-fault accident can have an impact on your premium. To learn more about changes to your rates, contact us to talk to an agent.

Insurance Quotes from ALLConnectict Insurance Agency

Posted on by AgentInsure

When shopping around for the lowest insurance quotes, it is important to make sure you are comparing apples with apples. Many factors go into determining your premiums. A variance in any of these would lead to slightly different policies, and you would no longer be comparing prices for the exact same insurance product. Here are two of the key factors to keep constant when you are shopping around for a new insurance policy.

The Type and Amount of Coverage

Each insurance policy has specific types and levels of coverage. These must be kept constant when comparing policies, because they determine what benefits the policy provides. All insurance companies let you select your coverage types and limits from a list, but not all insurance companies use the same default settings when initially presenting policies. Be sure that the type and amount of coverage selected is identical between two policies, before you compare their premiums.

Your Address

For most people, the address that should be listed on an insurance policy is simply their permanent address. In some cases, though, the choice is not that clear. If you are moving, split your time evenly between two locations or have a vehicle stored at a place other than your primary residence, then it may be unclear which address should be listed on the policy.

As your local West Hartford, CT insurance agent, we can help you determine which address is the correct one to list. Depending on your situation, it may be your West Hartford address, or it may be another one. Once we determine which one is the right one to use, that address should be used for every policy you consider. Insurance companies consider the location when determining rates, so changing an address could change your premium.

We are Here to Help

Comparing insurance quotes is not easy, because these factors affect policy premiums. We at AllConnecticut Insurance Agency will gladly do the grunt work for you and obtain quotes from all the insurance companies serving West Hartford. We will then present the policies to you, so you can select the best one for you.