3 Lesser Known Benefits of Auto Insurance

Although most of us seem to believe we fully understand our auto insurance coverage, odds are, that just isn’t the case. Check out three of the lesser known benefits of purchasing an auto insurance policy.

Vandalism Coverage

Although it doesn’t seem to be a common occurrence, vandalism can be a very costly matter to contend with. However, by purchasing a premium auto insurance policy, you can ensure that your car is covered even in the event that you are the victim of super vandals.

Rodent Repairs

Yet another common occurrence, odds are, you never even considered what you’d do if some rodents decided to say, chew through some wiring in your car, until after it happened. Luckily, by purchasing a premium policy, you can include coverage that protects your vehicle even in the unlikely event that your car is targeted by an angry clan of rodents. 

Legal Representation

Lastly, no matter how good your coverage may be, one bad accident could land you in court. Moreover, they can make it a point to sue you above and beyond what your insurance coverage covers. Luckily, many auto insurance policies will provide you with legal representation to help you get out of paying costly settlements.

Overall, for residents of West Hartford, CT, ALLConnecticut Insurance may be your best bet. Offering an array of personalized packages for drivers and automobiles of all kinds, simply stop by their West Hartford, CT office, call in, or email to speak to one of their highly qualified representatives today. They will help you explore your options and provide you with the quotes you need to make your decision. Contact ALLConnecticut Insurance today!>

Home Insurance for a Vacation Home or a Second Home

When buying a second home or a vacation home, there are special considerations for insuring a home that is not your full-time residence. Discuss the insurance needs with your agent at ALLConnecticut Insurance serving West Hartford, CT and the surrounding areas.

Here are some of the considerations to talk with your agent about:

  • Review Existing Home Insurance: When making a decision about covering a new piece of property with insurance, it is a good time to review the existing coverage for your primary residence to make sure it is adequate. In some cases, adding a second home to an existing policy may be possible or you may need a new policy for the new home. Ask your agent to be sure.
  • Different Needs for Renting a Home: If the second home will be rented out to others for some part of the year, then the insurance requirements are different. Ask your agent for recommendations about replacement cost insurance and for coverage of the loss of rental income, while the home is being repaired, if the home is damaged. Renting out a home is a commercial activity and your agent can also give recommendations about additional liability coverage and suggestions about an umbrella insurance policy for the extra risks of having renters use the property.
  • Special Risks: Depending on where the second home is located, it may be wise to consider having hurricane, flood, and/or earthquake insurance for extra protection against potential natural disasters.

Getting insurance for a second home differs from insurance coverage for a primary residence because the second home will either be left vacant for part of the time or rented out to others. For these reasons, a second home is considered a riskier property to insure than a primary residence. Contact your agent at ALLConnecticut Insurance in West Hartford, CT to get a quote for adequate insurance coverage for a second home or a vacation home.

Do Seasonal Toys Need Year-Round Coverage?

How is West Hartford, CT, different from Florida? For starters, you experience real seasons up north. That means that some of your favorite toys might regularly see multi-month spans of disuse. Those are the times that have you wondering if you really need to keep them insured throughout the year. That’s a great question, so let the experience of AllConnecticut Insurance shed some light on the situation.

How Off Is the Off Season?

There are plenty of instances where seasonal coverage will save you money on your annual premiums, but you need to be sure that the off season is reliably filled with down time. Here’s the question: how often are you tempted to take the boat out during the cold months? If the answer isn’t a resounding zero, then seasonal coverage might not be your best option. Conversely, there are situations where the off season is reliable. You aren’t going to be taking the snowmobile for a spin in the middle of the summer, right?

The other simple consideration for seasonal coverage is how long the off season actually lasts. Since these things usually revolve around weather, you want to have some wiggle room in your policy to extend coverage for an abnormally long cold or hot session.

Does it Go in Storage?

This is another important consideration. If your boat stays on a dock all winter but is still exposed to the elements, you don’t want to completely kill your storage. The same can be said for a toy that sits outside under a tarp. There are still elements of risk there. If your toy has a clear off season but doesn’t get put in protective custody, there’s a third option to try and save a little money.

Most people overlook it, but many toy policies include room for you to toggle your deductible. A higher deductible in the off season can lower your overall premiums without leaving you completely uninsured against the unthinkable.

In the end, your toy coverage necessities boil down to personal preference and lifestyle choices. That’s why your best bet is to go ahead and have a nice conversation with your AllConnecticut Insurance representative. They’ll help you plan around all of the West Hartford, CT, seasons to get a good deal.

 

Should You Get RV Insurance Before A Trip?

Residents of West Hartford, CT love going camping and taking off on trips with an RV. At ALLConnecticut Insurance, we find that getting a policy before a trip is usually a wise decision. That’s because it can help to protect your investment, even in situations where a policy is not mandatory.

RV Insurance is Often Optional

While RV insurance is usually a good choice, it is often optional. For example, people who own their motorhome without any financing are not required to get insurance. However, motorhomes that are being financed usually require policies because the lender will make it part of your loan deal. That said, towable vehicles, such as pop-up and fifth wheels, usually don’t require insurance to own and use. That said, just because a policy is not mandatory doesn’t mean it isn’t a good idea to have one, particularly if you are going on a trip.

Policies Are Wise if You Are Traveling

Even if RV insurance isn’t required in your instance, it is still a good idea to get it before going on a trip. Imagine driving your motorhome up a mountain and suffering from brake failure. The damage you cause before you finally stop could be catastrophic. And without liability or collision coverage, you are going to be left in a strange area with a huge repair bill and potential lawsuits on your hands. These situations could be easily handled with liability and collision insurance but not so much if you don’t have these policies to protect you. 

Let Us Know if You Need Help

Residents of West Hartford, CT who plan on going on a trip with their RV should contact us at ALLConnecticut Insurance to learn more about their policy options. We can help you sort through the confusion and get the right coverage for your trip and your travel needs.

Tips for Saving on your Commercial Insurance Policy

A commercial insurance policy helps protect your business from risks such as legal suits, and natural disasters. Here are some tips on how to save on your commercial insurance cover; 

Increase your deductible
A higher deductible implies a lower premium and vice versa. Keep in mind that you will have to pay the deductible before your claim is processed. Therefore, set your deductible to a reasonable amount.

Consider bundling your coverage
Purchasing a policy package that covers multiple coverages and liabilities is often cheaper than purchasing individual policies. This could explain why the Business Owner’s Policy (BOP) is popular among small start-ups. However, find out exactly what you are covered against and find out whether your insurer can customize the package.

Look out for discounts from your provider
Often, insurers offer discounts if the policyholder does not file for claims for a specified period. Implementation of a safe workplace program could also qualify you for discounts. Inquire from your service provider on the various discounts they offer and whether you qualify for them.

Inquire on loss-prevention programs
Most insurers will be willing to advise you on the ways through which risks in your business can be minimized. Such could include introducing a theft-prevention strategy and establishing disaster awareness plans.

Provide a safe working environment
Implementing the safety recommendations from your insurer translates to lower premium rates. Not providing a safe environment or the reluctance to enforce safety regulations shows means that there is a greater risk of workplace injuries hence the higher premiums.

Do you need a commercial insurance policy in West Hartford, CT? ALLConnecticut Insurance has got you covered. Get in touch with us to find out the different commercial insurance plans available for you. You can also obtain a free estimate of your policy on our website. 

What To Do if You Have a Boat Accident

Nobody wants to think about having a boat accident; however, knowing what to say and do if you happen to have one is an important consideration for all boat owners. There are certain steps to take in case there are people injured or killed. There are things to do to help those in need. There are things not to do and things that should not be said. This is a helpful guide from the agents at ALLConnecticut Insurance, serving West Hartford, CT and the surrounding area.

Safety First

After a boat accident, if you are still onboard and the boat is afloat, determine if anyone is injured and needs medical assistance. At the same time, evaluate the safety of remaining on the boat. Stay calm and do not panic. Focus on making good decisions and taking the appropriate actions depending on what is happening.

In some boat accidents, the fuel explodes into flames. If there is any risk of this occurring or if the boat is already on fire, help everyone out of the boat and get into the water. Move as far away from the burning boat as possible.

If the boat is sinking, make sure everyone has a floatation device and get into the water. Move away from the boat to avoid the boat pulling you down under water from the vacuum caused by its sinking.

If there is no risk of the boat sinking, or from fire, or explosion, do the opposite and stay on the boat. Help anyone that fell overboard to get back into the boat. Help the injured by giving first aid. Use any available communication system to send a “May Day” distress call for help to the Coast Guard.

Gather Information

Once you are sure everyone is OK and out of danger, gather information about the accident, such as the contact information for everyone involved including the boat owners, passengers, witnesses, and insurance companies/policy numbers (if available) for the involved parties. Take photographs of the scene and the damage.

Report the Accident

Federal law requires the boat accident to be reported if anyone is injured enough to need medical care or killed. Moreover, if the damage exceeds $2,000 a report must be filed with the U.S. Coast Guard. Do not admit the accident was your fault or say you are sorry about it to anyone.

Contact Your Insurance Agent and an Attorney

As soon as possible contact your insurance agent to inform them of the accident. It is also usually a good idea to contact an attorney that specializes in boat accidents regardless of who is at fault for causing the accident.

For peace of mind, ask your agent at ALLConnecticut Insurance in West Hartford, CT to review your boat insurance to make sure the coverage is adequate.

If Your RV Air Fails, Will Insurance Help?

Residents of West Hartford, CT have many fun places to take their RV camping. However, a failing air conditioner is always an issue because it can make it impossible to enjoy your camping experience. If you are worried about whether or not your policy will pay for repairs, contact us at ALLConnecticut Insurance to learn more.

Appliance Coverage Is Typical In RV Insurance

When you buy RV insurance, you are typically not only insuring the vehicle but the appliances inside. That’s because these vehicles are unique because they allow you to live in them either temporarily or permanently. Therefore, they are also considered a home unit.

So items such as the refrigerator, television, plumbing systems, and your air conditioner can be covered. It all depends on the scope of your policy and how you set it up with your insurance provider. As a result, it is critical to know when your policy may fail you.

When Your Policy May Not Cover Air Conditioner Repair

If you did anything to cause damage to your unit, such as faulty personal repairs, you may void your coverage on your air conditioner. That’s because insurance companies won’t cover damage that you directly caused through incompetence or malice.

However, they will often cover issues that occur when somebody else performs poor repairs. That’s because you hired them in good faith and they failed to provide you with high-quality service. Talk to your provider about this issue to learn more about how it affects you.

Getting The RV Insurance You Need

Make sure that you talk to us at ALLConnecticut Insurance if you own an RV with an air conditioner. We can help West Hartford, CT residents get the coverage they need for their recreational vehicles and avoid the kinds of common issues that make air conditioners fail.

3 Tips for Landscaping Your Home

To make sure your home in West Hartford, CT maintains its value, it is pertinent that you take care of it, and this applies to both the interior and exterior. The better maintained your home’s exterior is, the more curb appeal it will have, which will be profitable if you ever decide to sell it. Here is a quick look at three tips for landscaping your home. 

Rolling Terrain

Rolling landscape adds a certain amount of charm to any home’s landscape, but slopes in the yard can make it tedious to evenly water and can also make certain parts of the lawn prone to erosion. One way homeowners can address this problem is by leveling the terrain with limestone or granite retaining walls; this can prove to be a good solution to help produce a beautiful windbreaker and help control water flow.

Create Shade

Shrubs and trees placed around a home can create a beautiful landscape along with other benefits, like conserving energy. In fact, trees and shrubs can save energy by lowering temperatures in the home by as much as nine degrees. Taller shade trees, like cedar elms and red maples, have been known to save on cooling costs up to 30%. Shrubs do their part in saving energy by shading windows and exterior walls. Three of the best shrubs to plant to help conserve energy is Cenizo, Texas sage, and Esperanza.

Year-Round Appeal

There are many ways to make your home’s landscape look in tip-top condition all year long. Evergreen shrubs are a good option because they retain their needles, providing both color and cover year round. And to give the home a more inviting appearance, you’ll want to add evergreen plants around the front corners of the house.

It’s Time to Talk

If you would like to learn about protecting the interior and exterior of your home with insurance, please contact ALLConnecticut Insurance today serving the West Hartford, CT area. 

RV Insurance Coverage Options

Recreational vehicles (RVs) refer to a wide variety of motorhomes, ranging from bus conversions to camper vans. They come in different sizes and designs. RV insurance offers most of the benefits found in your standard auto insurance but also adds some extras your motorhome may need. If you own or you’re planning to purchase an RV, it’s important to have the right coverage for it with ALL Connecticut Insurance. Plus, having RV insurance in West Hartford, CT is compulsory. And just like auto insurance, your premiums will depend on different factors. There are several coverage options for insuring your RV. They include:
 
Liability: Due to their large sizes, these vehicles can cause very severe accidents. This policy covers any injury costs or damage costs towards others in the event you are responsible for an accident. This coverage is mandatory.
 
Collision: Covers damage costs in case your RV is hit or hits another vehicle or object.
 
Uninsured/underinsured: Other drivers may not have enough or even lack insurance to cover damages to your RV if they cause an accident. This coverage will cater for those damages. Plus it can help in a hit-and-run situation.
 
Comprehensive: If you use your RV frequently, for instance, if you live in it, it would be wise to cover it against non-collision damages like fire and vandalism.
 
Total loss replacement: Since RVs are quite costly, this coverage will cover the full, original price of your RV without depreciation in case it’s lost or written off.
 
Apart from these major coverage options, some additional coverage options you can include are roadside assistance, personal effects, vacation liability, emergency expenses, etc.
 
An experienced agent at ALLConnecticut Insurance will help you understand the kind of risks your RV may face in West Hartford, CT and help you make an informed decision. Contact us today for more information or to get the right policy for your RV.

The Answers to 3 Unusual Auto Insurance Questions

Auto insurance can feel like a bit of a mystery to people, and this mystery can result in a person picking the cheapest possible policy. But knowing the more unusual scenarios can make it easier for people to decide one way or the other about how much coverage they really need. Here are three answers from ALLConnecticut Insurance that you may not have even thought to ask. 

What Happens When Someone Else Drives My Car and Gets Into an Accident?

The answer to this question will depend on the circumstances, but usually, it’s the person who owns the car who’s responsible for the car. If the driver has their own insurance, then the insurance may cover part of the damages, but it’s not always a guarantee. 

What Happens When I Drive Out of State?

Your insurance benefits will carry over in all 50 states in the US, but you’ll need additional liability insurance if you choose to drive to Mexico (unlikely if you live in West Hartford, CT, but certainly not impossible.) You can even drive to Canada without risking your benefits. 

What’s the Right Insurance Company?

Just like with most questions about insurance, the answer is that it depends. Every driver has their own preferences when it comes to their insurance policy, so they need to find someone who can fit all of their requirements and still meet their budget.

What isn’t negotiable when it comes to auto insurance is that you need someone who’s there to answer your questions. ALLConnecticut Insurance can help the people of West Hartford, CT find a policy that will be there for them during the worst of times. But hopefully, it’s clear that the bare minimum for auto insurance can really end up being an expensive decision for some.