Three features to look for in your recreational vehicle insurance policy

As the owner of a recreational vehicle, it’s important that you invest in an insurance policy that’s going to cover this valuable asset. At ALLConnecticut Insurance, we sell recreational vehicle insurance policies in West Hartford, CT.

The following are three features to look for in your recreational vehicle insurance policy.

Permanent attachment coverage

It’s pretty standard for RV owners to use certain attachments on their RVs like satellite dishes or awnings. You should make sure that your RV insurance policy includes coverage for these attachments. A standard policy might not cover them, but permanent attachment coverage could prove to be very valuable for you down the road. 

Coverage suspension while your vehicle is in storage

A lot of RV owners keep their vehicles in storage at certain times during the year. You might feel that you don’t want to continue paying for insurance coverage while your RV is in storage. 

If you keep your vehicle in storage for certain periods of the year, it’s a good idea to find a policy with a feature that allows for coverage suspension when your vehicle is in storage. 

Emergency expense allowance

Those who own RVs tend to travel around with them. This means that they may find themselves stranded if their RV experiences an accident far away from home.

An emergency expense allowance on an RV insurance policy will cover the costs of finding lodging if you experience an accident far away from home. This allowance can also cover the costs of food while you are away from home. 

Are you on the market for recreational vehicle insurance? We’re here to help at ALLConnecticut Insurance. You can call us or visit us online to find the answers you’re looking for about recreational vehicle insurance in West Hartford, CT. 

How commercial insurance can save your small business

Owning a small business comes with risks and saving your business is why you need commercial insurance. Commercial insurance is not just one line. It is lots of different lines that are bundled together to create a policy that is customized to your particular business needs. Not every type of commercial insurance is a right for every small business. Why should you pay for insurance you will never use? At  ALLConnecticut Insurance in West Hartford, CT, we take a personalized approach and get to know our customers so we can help them to get the right insurance at the right price. 

Commercial property insurance

Commercial property insurance is something most small businesses need whether or not you own the building where your business is located. If the building is damaged by a covered hazard, there will be additional damage beyond the physical building. Your machinery, business equipment, office records, and electronics not to mention desks, etc. It will also cover your inventory and can help to get you back in business quicker. 

Commercial Liability

Any business big or small is vulnerable to being sued. Whether it is a disgruntled employee or someone who is injured while visiting your business or by one of your products, you can end up in court. A judgment against you will be very expensive and the legal expenses for your defense won’t come cheap either. 

Business Owners Policy BOP

A business owner’s policy combines the two most popular types of commercial insurance liability and property insurance into one policy. This usually ends up being more affordable than buying the two policies separately. 

Workers’ Compensation

If you have any employees in Connecticut you are required to provide workers’ compensation. You can do it with commercial insurance or you can self insure. 

Contact ALLConnecticut Insurance in West Hartford, CT, and let us help you to create the commercial policy you need. 

Three things you can do to make your vehicle safer out on the roads

The safer your vehicle, the less likely accidents and injuries will be for you out on the roads. Insurance providers sometimes even offer discounts on insurance for those who make investments in their vehicle that increase safety.

At ALLConnecticut Insurance, we provide auto insurance to motorists in West Hartford, CT. The following are three things you can do to make your vehicle safer out on the roads.

Buy a vehicle with a blind spot warning system

Blind spots are one of the most common causes of accidents. Fortunately, blind spot warning systems are available that will let you know if there’s an obstacle in your blind spot.

Many new vehicles these days come with blind spot warning systems standard. Look for this important safety feature when you purchase a vehicle to keep yourself and others safer on the roadways. 

Have a rearview backup camera installed

Rearview backup cameras don’t just keep you safer when you’re backing out of parking spots. They also just give you greater confidence.

It can be hard to see behind you when you’re going in reverse. Fortunately, a rearview backup camera can give you a clear view of the rear of your vehicle when you’re in reverse. You can buy a vehicle with a rearview backup camera or have one installed on a vehicle you’ve already purchased to take advantage of this feature. 

Put a car safety kit in your vehicle

A safety kit that includes items like flares, emergency contact information for tow services, and a first aid kit is a good way to keep you and those in your vehicle safe if you get in an accident or break down. 

We can help you find auto insurance coverage in West Hartford, CT. Let us know if you’re on the market for auto insurance by contacting us at ALLConnecticut Insurance. 

3 Possible Scenarios Where You’d Need Home Insurance in West Hartford, CT

Home insurance is in place to protect you in the event of a disaster, accident, or another unforeseen event. When you have a mortgage, home insurance is required. The bank considers your mortgaged home collateral in case you stop making your loan payments. In order to protect this asset, the bank will not give you a mortgage unless you have home insurance. That’s how important this type of insurance policy is.  At AllConnecticut Insurance, we’ve put together a short guide that illustrates three scenarios where you would need home insurance. Read on to learn more. 

1. Fire

Fire is devastating. It causes a maximum amount of damage in a short period of time. That’s why it is important to have a fire safety plan in place, to practice fire drills, and to have a home insurance policy that covers fire in West Hartford, CT. Talk to a reputable agent to see exactly what is covered under different policies, like the cost of a hotel room while the fire-damaged home is being restored. Even if you own your home outright, you still need homeowner’s insurance in a scenario like this.

2. Theft

A burglary occurs every day in the United States and your property could be next. To prevent this, take some security measures by installing a security system, outdoor lights, and hiring a house sitter while you’re on vacation. If you are still the victim of burglary, your insurance will help recoup the cost of stolen items once your deductible has been paid.

3. Injury

If someone is injured on your property, they could sue you and litigation is expensive. With homeowner’s insurance, however, you, your assets, and your savings are protected if you should face litigation. For added protection, add umbrella insurance.

To learn more about home insurance, contact AllConnecticut Insurance, serving West Hartford, CT, today. 

4 Instances Having Recreational Insurance Benefits You

Are you aware of what recreational insurance is all about? This is a type of coverage that definitely can offer you many benefits. If you need help sorting out how it can help you, you’d do well to contact ALLConnecticut Insurance of the West Hartford, CT area.

It May Be Required in Your State

There are some instances in which you’d need to get recreational insurance in Connecticut. It depends on a few factors, including the type of recreational vehicle you have. This also is likely to be the case if you’re renting or financing your recreational vehicle. The minimum typically is liability insurance.

Coverage for Damages and Injuries

Even if you’re not actually required to have recreational insurance for your vehicle, it protects your financial assets. For instance, if you’re out on your four-wheeler with a friend and they are injured, you’d have to pay out-of-pocket for their medical costs since you’d be liable. Having insurance means that this would be covered, keeping you and your friend from becoming overly stressed about how to pay for their medical bills.

Car and Homeowner’s Insurance Doesn’t Always Cut It

Your vehicle may not be covered by auto or home insurance. You should talk to your insurance agent to determine if this is the case. Even if it is, not all scenarios will be covered. It’s in your best interest to have recreational insurance as this is specific to your needs being an owner of such a vehicle.

Storage Options May Be Available

You should look into if you’d be eligible to suspend certain coverage you won’t need when your vehicle is in storage. This will prevent you from having to cancel it altogether which is tricky since it can still become damaged or you may have a loss of parts or more. You’d also avoid having a coverage gap.

Reach out to ALLConnecticut Insurance with your questions and we’ll do our best to put you at ease. Serving the West Hartford, CT area, we’re proud to help the community with insurance needs.

Common Umbrella Insurance Myths Revealed

Based in West Hartford, CT, ALLConnecticut Insurance offers the community multiple types of insurance coverage. We strive to make sure that our clients find policies that suit their individual needs.

Common Umbrella Insurance Myths Revealed

Umbrella insurance will give you peace of mind as you deal with a potentially serious liability dispute. The safety of your assets is potentially at risk. That is why umbrella insurance is an asset. The policy protects you if an unforeseen circumstance arises. While you are researching different policies, avoid these common umbrella insurance myths.

I Don’t Need It Because Of My Status

There is a drastic misconception that the policy only benefits people with a lot of assets. This is incorrect. Umbrella insurance is beneficial to everyone. No one is exempt from experiencing the consequences of an accident. Imagine having a few friends over to your residence in West Hartford, CT. Unfortunately one of your friends suffers an ankle sprain as a result of falling on your property. Without umbrella coverage, you may be held liable for the injury.

The Policy Only Covers Luxury Assets

Umbrella insurance does not cover any type of property. Umbrella insurance acts as a safety net if you may be held responsible for something. The policy has nothing to do with protecting your personal items if they are stolen.

Umbrella Insurance Is A Substitute Policy

Many people believe that umbrella insurance is a substitute policy for home or auto coverage. This is incorrect. Umbrella insurance does not take the place of a particular coverage. Instead, the policy acts as an additional layer of protection on top of a traditional home or auto policy.

Consult With ALLConnecticut Insurance

For information on umbrella insurance, visit our website.

What Commercial Insurance can do for a New Business

Are you thinking about starting your own business? There are a few things you’ll need to do to protect yourself once you get going. First, start by getting with an insurance agent to walk you through the different coverages you’ll need. At ALLConnecticut Insurance in West Hartford, CT, their agent can go over commercial insurance policies for your new business.

Basic Commercial Insurance Coverage

  • Commercial General Liability – offers protection for incidents that you are responsible for. It can protect your business and employees.
  • Commercial Auto – accidents that are covered by commercial auto insurance can protect you if one of your employees is involved in an accident. If that accident results in property or bodily injury damage, then you’ll avoid paying enormous out-of-pocket expenses.
  • Commercial Property Insurance – usually covers the building, furniture, inventory, and other people’s property. Check with your insurance agent to determine if property insurance is covered by damage due to fire, water, lightning, theft, vandalism, or storms. Include your business equipment in your coverage. Things like computers, printers, cash registers, tools, or desks could be covered under your policy.

Other Optional Coverage

Depending on the type of business you own, you can adjust your coverage based on your company’s needs. For example, a restaurant will have different insurance needs than a contractor. Here are a few options:

  • Professional Liability – also known as Errors & Omissions, is coverage for certain types of professionals, such as contractors, lawyers, and doctors.
  • Worker’s Compensation – is used for employees who are injured while on the job.
  • Cyber Insurance – can protect against loss as a result of a breach in the safety of customer information, such as social security numbers, addresses, and account information.

If you’re in the area, stop by ALLConnecticut Insurance in West Hartford, CT and discuss what type of commercial coverage you should add to your policy for your new business.

What Makes a Vehicle “Recreational”?

Spending time in the great outdoors often means getting from one place to another by using recreational vehicles. Aside from 4-wheel drive trucks and SUVs, the only other vehicles who can make it in the wilderness are "recreational" vehicles. What does recreational really mean and do you need a specific kind of insurance policy to make sure you are fully covered. In West Hartford, CT, residents can get the answers to these questions from the agents at ALLConnecticut Insurance.

Off-Road Only

In most cases, recreational vehicles are made to be used off-road only. Many states will not allow recreational vehicles like 4-wheel ATVs, quads, and other all-terrain vehicles on roads and highways. Part of the reason is that they are designed for off-road travel and are not fast enough to keep up with other traffic.

More Fun, More Risk

Recreational vehicles are designed to perform well when traveling over extremely rough terrain. This means a different type of insurance policy will be needed. Unlike a traditional auto insurance policy, a recreational policy will cover vehicles that travel off-road, in higher-risk areas.

Increased Liability

With the increased risk of traveling off-road, you will also experience a higher liability, especially in terms of personal injury. While most people who drive recreational vehicles take every precaution to be safe, accidents can still happen.

The agents of ALLConnecticut Insurance are always available to make sure the residents who live in or near West Hartford, CT have the answers they need before they take to the trails. Schedule an appointment so you can speak to an agent and have the necessary recreational insurance in place before you go out and have fun in the woods.

Home Insurance for Beginners

If you’re buying a new home for the family or purchasing your very first home ever, then it’s important that you get the proper home insurance policy to keep your home protected. However, many new West Hartford, CT homeowners may be unfamiliar with home insurance and how it works. Luckily, you can learn all about the in’s and out’s of home insurance with ALLConnecticut Insurance. 

What Does Home Insurance Cover? 

Home insurance provides you with financial protection in the case that your home receives significant damage or worse. If you’re unsure how you can get protection, here are some general areas in which home insurance can provide coverage: 

  • Damage sustained to your house 
  • Damage sustained from nature
  • Liability
  • Damage done to another person’s property
  • Other structures on your property 
  • Injury

These are just some of the areas in which you can receive coverage. The specific coverage type and amount of coverage you receive will depend on the specific policy you choose. For a consultation on which home insurance policy would be best for you, visit ALLConnecticut Insurance today!

Why Is Home Insurance Important? 

Your home is more than just a house. That’s why you want to give it the most solid form of protection that you can. This means choosing the right form of coverage for your home. If you’re unsure what home insurance policy is best for you, the best thing you can do is explore your options. Life can be unpredictable, but it’s better to have coverage and never need it than it is to not have coverage and find yourself needing it. 

Stay Covered with ALLConnecticut Insurance

If you’re ready to explore your home insurance options and get your home protected, visit ALLConnecticut Insurance near West Hartford, CT. You can contact us online or over the phone for a consultation today!

Why should I get auto insurance in Connecticut?

There are many reasons why living in the West Hartford, CT area is a great option for a lot of people. If you are going to live in this area of the state, you need to make sure that you have the right personal insurance plans in place. This should include getting an auto insurance policy. There are several reasons why you should get auto insurance when you own a car here. 

You Want the Right Coverage to Comply with Law

One reason that you will want to get an auto insurance policy is that you will want to comply with the state laws. All drivers on public roads in this state are required to meet the state minimum liability insurance requirements. If you are caught driving without it, the penalties that you can face could be severe. With a full policy, you will know that you are in compliance with the obligation.

You Want to Protect Vehicle

You will also want to get an insurance policy because it can help to protect your vehicle. No matter what type of vehicle you are going to buy, you need to make sure that your investment is protected. When you get a collision and comprehensive policy, you can receive the full protection that you need. This way, you will be able to repair or replace your vehicle following an accident or theft.

When you want to get a new policy in the West Hartford, CT area, you should call ALLConnecticut Insurance. The team at ALLConnecticut Insurance can help you to choose and find a policy that is right for your situation. This will help to ensure you receive the protection you need to stay in legal compliance and also cover your asset and investment.