Month: October 2016

Roll into the Beautiful West Hartford, CT Fall Season with these Home Preparedness Tips

Posted on by AgentInsure

While you may regularly maintain your home, there are tasks that you need to remember to complete in the fall to prepare it for the season.  These steps will also help get you ready for the winter weather ahead.  Completing these tasks will help protect your most valuable asset.

Gutters:  Ensure that gutters and down spouts are cleared of any debris.  This home system, when operating efficiently, protects the exterior of the home and foundation.  Also, clearing any debris during the fall will prevent ice jams in the gutters during the winter snows.

Roof:  Fall is also a good time to check the roof for damaged or missing shingles and metal eave flashings.  Repairing these now can prevent leaks and roof damage during the coldest months of the year. 

Fire Extinguishers:  Check the pressure gauge on your home’s fire extinguishers to make sure that they are fully charged.  Clean the unit and make sure that the nozzle is clear with the pins securing in place.  Also, make sure that every household member understands how to operate the unit. 

Smoke Detectors and Carbon Monoxide Monitors:  Checking the batteries annually and the units at a regular time each year ensures that they will function properly when needed.

Pipes:  Check to make sure that all exterior pipes are securely wrapped and protected from freezing.

Lastly, don’t overlook reviewing your home insurance policy.  Your needs change over time and your coverage needs may have also changed.  Compare coverage options online at AllConnecticut Insurance Brokers who serves West Hartford, CT.   Then call or visit the professionals at AllConnecticut Insurance Brokers.  They will help you get the coverage you and your family needs.  Don’t wait.  Call today!

What features should you look for in home insurance?

Posted on by AgentInsure

If you’re a home owner in West Hartford, CT, then you know how important it is to protect your home and family from disaster.  Fortunately, the agents at All Connecticut Insurance Brokers LLC understand how crucial your home insurance policy is to your family’s financial security.  That’s why they work hard to write policies that protect your home and everything in it.  If you’re looking for a new home insurance policy, make sure you consider if it has these features.

  1. Does it cover all types of disasters?  Many home insurance policies have exclusions that mean your home isn’t covered in the event of a disaster such as a hurricane or sinkhole.  While that might be an acceptable level of risk for some people, you may want to ask your agent about getting a rider on your policy that would cover these issues.
  2. Are smaller items covered?  While your home owner’s policy probably covers all of the items inside of your phone, the deductible is probably set high enough that it doesn’t make sense to file a claim over a single lost piece of jewelry or broken cell phone.  It is possible to add riders to your policy, however, that cover these items at a lower deductible.  Often, these riders are much less expensive than the point-of-sale policies offered in many stores, and they offer better coverage.
  3. Are accidents covered?  A home insurance policy can do more than simply provide funds for replacement appliances or a home repair.  It can also provide coverage for accidents that occur on your property.  This can include funds for medical bills or legal representation. 

If you live in the West Hartford, CT area and you’re looking for a new home insurance policy, be sure to call the agents at All Connecticut Insurance Brokers.  They have years of experience helping clients like you find the policy that is right for them.