Things You Need to Know Before Buying a Home Security System

If you are thinking about buying a home security system, there are a few key points you will want to consider first. The agents at State Insurance Solutions can help you answer a few questions before you decide to purchase one. There are many different types of home security systems available to the residents of Dallas, TX.

DIY or Professionally Monitored

The first question is whether or not you want to monitor your system on your own. You may choose to pay for a third-party monitoring service to watch over your home. Even if your home is professionally monitored, you still have the option to watch over your home through the system’s downloadable app. Many of the DIY systems can be used in apartments and other rental properties.

How Much Protection Do You Need?

The next important question is how much protection do you need. Some systems are very basic offering only one or two sensors and a keypad. Other systems include full home automation, video surveillance, and video doorbells with two-way communication. Environmental sensors and energy monitors are also available. More elaborate systems can be customized to meet your home’s needs no matter how big or small it is.

At State Insurance Solutions, the agents serve the Dallas, TX community and offer sound advice on what types of home security systems are available and what type of system would be best to be used in your home. The agents understand that every home is different in terms of size and security needs. The agents can help you choose the right system for your home so that you can feel as secure and protected as possible.

Tips For Driving Your Recreational Vehicle Safely

You want to get a great insurance policy for your recreational vehicle so that you can carry the peace of mind with you whenever you head out from West Hartford, CT on a new adventure. But as much as you want a great insurance policy, what you really want is to never have to file a claim. There may not be a way to eliminate risk entirely, but there are some things you can do to stay safe on the road:

  • Practice. An RV is nothing like driving a car. It’s not much like driving a big pickup truck, either. Even if you’ve already passed your test and gotten your license, the more practice you get in, the better. Head to a parking lot and practice your three-point turns, parking, and cornering. Take your RV out in light traffic and get used to it. You don’t want to have to learn all this stuff when you’re already a hundred miles from home.
  • Keep an eye on the weather reports. Heavy rain is no fun when you’re driving a four-door, and it’s even worse in a house-on-wheels. Pretend you’re a sea captain and try to only set sail in smooth weather.
  • Memorize your height. Write it on the dashboard if you must, but don’t guess at how tall your RV is when driving through a tunnel with a 12-ft limit. You can always reroute if an overpass is too low.
  • Stay to the right. You have to take it slow and steady in an RV, and staying to the right gives cars behind you the chance to pass safely.
  • Brake slowly. This isn’t a car, it’s a tiny house. You’ve got upwards of three tons of weight here, so ease into every stop sign.

It really comes down to experience. The more time you spend driving around West Hartford, CT, the safer you’ll be.

To get covered, call ALLConecticut Insurance, or visit the ALLConecticut Insurance website and let’s see what we can do for you.

Does Commercial Insurance Cover Inventory in West Hartford?

Whether you sell high-end computer equipment or discount clothing, your inventory has everything to do with how much you generate in revenue. If you’re a business owner in West Hartford, CT, you’re going to want to make sure that it’s protected from damage, theft, or loss. ALLConnecticut Insurance can give you a few tips about how your stock works under your commercial policy and what you can do to safeguard it from harm. 

How It Works 

The inventory you use for your business is usually covered by some sort of commercial insurance. If you purchased the property, you would likely file a claim under commercial insurance. If you’re renting the property, it’s likely to be covered by a standard business owner policy. But even though your inventory is likely to be covered, it’s important not to make assumptions about the covered events or the maximum limits for the inventory you have. 

Understanding the Details 

Let’s say that you own a business that serves about 100 shoppers a day when there’s suddenly a shift in consumer preferences. Because of this shift, you begin to serve 200 people a day. As you struggle to order more inventory to fit the demand, you don’t think to call your insurance company to tell them that your inventory has fundamentally changed. If something happens to all that additional product, the insurance company may not cover it if they were unaware you had it in the first place. 

If you want to learn more about commercial insurance in West Hartford, CT, ALLConnecticut Insurance can answer more about the events you should be planning against and the best policy for your business. Because every business is different, you need a plan that fits with your goals.

Home Insurance: Here’s Why You Need It

Whether you just purchased a trendy condo in the city or finally bought your dream home in the suburbs with a white picket fence, there’s one thing homeowners and renters in Connecticut should consider – purchasing home insurance. While you might know exactly what décor will furnish the interior of your home, you might find that choosing the right home insurance plan is somewhat difficult.

But don’t worry – the friendly and knowledgeable agents at ALLConnecticut Insurance in West Hartford, CT are here to help! They provide excellent customer service and have years of experience in the insurance industry. Here are just a few reasons to contact the agents at ALLConnecticut Insurance:

It’s important to have some type of home insurance coverage. The amount of coverage you’ll need depends not only on the type of property you own but also on additional structures, such as a shed. The friendly agents at ALLConnecticut Insurance are familiar with the area’s rules and regulations. They’re happy to answer any questions and will ensure that your insurance policy meets state requirements.

When you make a big investment like purchasing a home, the last thing you want to think about is potential destruction. If strong winds whip through the area and uproot trees or your apartment floods during a storm, having home insurance could save you a substantial amount of money. Call or schedule an appointment with the agents at ALLConnecticut Insurance in West Hartford, CT to address any concerns so you’re covered in case of an emergency.

No matter what type of home insurance you’re interested in purchasing or if you have questions about your existing policy, don’t hesitate to contact the agents at ALLConnecticut Insurance in West Hartford, CT. They’re eager to assist you!

Is collision and comprehensive insurance necessary when a vehicle is paid off

When you have a car loan, your lender will require you to carry collision and comprehensive auto insurance beyond the liability you are mandated to carry by Connecticut law. Once your vehicle is paid off you will no longer be required to carry the additional coverage. You may be tempted to lower your auto insurance cost by dispensing with the collision and comprehensive insurance. Even though it may be very tempting, it may not necessarily be a good idea. With over 125 years of insurance experience, at ALLConnecticut Insurance in West Hartford, CT our team can help you to make the best decision when it comes to your auto insurance. 

Collision and comprehensive auto insurance offer some very useful coverage. Collision helps to repair or replace your vehicle if you are fully or partially to blame in an accident. There is a deductible and you don’t determine the value of your vehicle, it is book value. If your vehicle has some value, either financial or necessary for you to maintain your lifestyle, then it is worth keeping on your vehicle. 

Comprehensive coverage offers different protection for your vehicle. It does cover collision with large animals like deer but for the most part, it is non-collision coverage. It covers a variety of weather events that have the potential to damage your vehicle. From wind to hail and flood, there are lots of bad things that can happen, and having insurance can help you to repair or replace your transportation. If your vehicle is stolen or vandalized you can count on your comprehensive coverage to be there for you. Glass coverage is also included in comprehensive coverage. 

If you rely on your vehicle to perform the tasks of your daily life, having collision and comprehensive coverage can make all the difference. Give ALLConnecticut Insurance in West Hartford, CT a call to make an appointment for a no-obligation quote. 

Recreational Insurance Keeps You Safe While You’re Having Fun

Enjoying the outdoors is a great way to bring family and friends together.  An RV or ATV is a great way to explore and have an adventure.  Time on the water with a boat or personal watercraft is another wonderful way to have a fun afternoon.  All of these pieces of equipment have to be ensured.  You also want to make sure that anyone who uses them is protected if there is an accident.  Recreational insurance takes care of those worries.  At ALLConnecticut Insurance, our team works with people throughout the West Hartford CT area to get them the coverage they need.  They have the experience and knowledge to support clients who also enjoy being in the beauty of nature. 

There are several vehicles that can be covered with recreational insurance.  However, they will have different types of coverage.  Boats and RVs, for instance, will have different types of coverage than an ATV.  That’s why it’s important to talk with your agent so you know your coverage options.  The policy should cover the repair or replacement of the vehicle if it is damaged in an accident.  Liability coverage will protect you if someone is injured because of your negligence.  It should cover their medical expenses and legal fees.  Without the right coverage, these expenses can be significant.  Liability coverage will also go into effect if you damage someone else’s property. 

Accidents happen every day but with the right coverage, you will always be protected.  At ALLConnecticut Insurance in the West Hartford, CT area, our agents will work with you to get the best coverage available.  Exploring nature is one of the joys of life.  Do it safely with the right insurance coverage.  Explore our website, then give us a call.  The time to protect your summertime fun is now!

Is Umbrella Insurance Worth The Investment?

Umbrella insurance is sort of an insurance policy on all of your insurance policies. Rather than buying extra protection on each individual policy, you simply buy umbrella insurance to provide excess coverage for several policies at once.

So why don’t more people invest in umbrella insurance? Many seem to assume that umbrella insurance is a great idea if you’re a wealthy real estate investor or business mogul, but not of much use to the rest of us. What many people may not realize about umbrella insurance is that it’s one of the more affordable forms of insurance for the protection you’re buying. Prices will vary, but you could be buying up to a million dollars in protection for just a few hundred dollars a year.

So the short answer is: Yes, it’s worth the investment. It’s not even a situational thing. If you drive a car or own a house or run a business in West Hartford, CT, umbrella insurance will help to cover excess liability costs long after your primary policies have run out.

In most instances, your primary policy will tend to cover the legal costs following an incident, but in the event that that policy falls short, you could be looking at hundreds of thousands of dollars in costs. And it’s better to have insurance for that than not.

If you’re considering buying umbrella insurance to cover your existing policies in West Hartford CT, get in touch with ALLConnecticut Insurance. Hopefully, you never need to call them to file a claim, but if you do, it’s better to know that you have someone like ALLConnecticut Insurance in your corner than to have to cover all of those liability expenses yourself.

Does Recreational Vehicle Insurance Cover Bodily Injury in West Hartford?

If you’re looking for recreational vehicle insurance in West Hartford, CT, you likely want to know exactly what it covers so you’re prepared for a variety of events. One of the most important things though is the coverage of bodily injury. ALLConnecticut Insurance is here to fill you in on the basics of this type of coverage so you can feel confident on the road. 

Two Types of Liability 

There are two major types of liability when it comes to recreational vehicle insurance. If you’re at-fault for an accident, your bodily injury coverage will set limits on a per-person basis. (For reference, property damage is done on a per-accident basis.) One of the more important things to know as an owner is the limits that your plan carries.

Each state sets its own minimum limits, but you have the option to increase those limits if you wish. Because even small injuries can add up to big medical bills, it can help for owners to go above and beyond what Connecticut requires of them. This way, they’re not liable for any additional expenses after their coverage runs out. 

Upgrading Your Coverage in West Hartford, CT 

If you’re interested in a new policy or upgrading your old one, call ALLConnecticut insurance today for more information or for a quote. Now that you know that bodily injury is covered under your policy, it’s time to start breaking down how much it will cover in the case of an accident and whether you’re comfortable with the totals. We’re also here to help with any other concerns you may have about your policy. Our staff is here to help you find out how to keep you safe, whether you’re on the road or not. 

Using Builder’s Risk Insurance as a Prime Commercial Insurance Option to Protect Your Company

There is always construction activity taking place across the West Hartford, CT area. As a commercial company handling construction, you need to ensure you have adequate insurance protection to help you each step of the way. When you are talking about insurance for a builder, the top one that should come to mind is builders’ risk insurance. What is the type of policy and why is it so important to your company?

Builders risk insurance is an essential piece of the puzzle when talking about doing construction projects in a safe way. With builders risk insurance, you are going to have different forms of coverage depending on the insurer that you purchase from. There are to standard policy forms or anything like that.  

The great thing about builders risk insurance, though, is that when you plan out your coverage appropriately, you will be safeguarded from losses on the construction site. Builders risk insurance is specialized to help protect losses due to fire, lightning, as well as other perils. This can help with the project cost as well as employee liability for workers on-site.  There are other soft losses that you can get coverage for with this policy, including loss on the job site due to theft, and even cost to upgrade the site to meet more "green" requirements.

Again, though, you need to plan appropriately when you are talking about builders’ risk insurance. Since there are no standard forms, what one insurance company offers will vary widely from what another will offer you. Working with an agency such as ALLConnecticut Insurance is critical. Reach out today to start to get a better handle on builders’ risk insurance and how it can help your company stay safeguarded once construction begins.

Three things to know about protecting yourself from liabilities with home insurance

One of the most important functions of home insurance in West Hartford, CT is to protect homeowners from financial liabilities. Home insurance policies offered by ALLConnecticut Insurance provide liability coverage to protect policyholders from the costs of a lawsuit resulting from an injury or damage to the possessions of another individual on their property.

The following are three things homeowners should know about protecting themselves from liabilities with home insurance. 

Liability coverage typically covers both bodily injury and property damage. 

Home insurance covers numerous types of liabilities for policyholders. Policies provide coverage if an individual becomes physically injured on the property of the policyholder. Policies also provide coverage for situations where an individual’s property becomes damaged on the property of the policyholder. 

A typical home insurance policy will offer a policy limit of $100,000 for liability coverage. 

It’s typically standard for home insurance to provide $100,000 in liability coverage. However, many homeowners don’t feel secure with only this limited amount of coverage and wish to add more liability coverage on to their home insurance policy. 

Homeowners typically have the option of adding on more liability protection through added coverage or an umbrella policy. 

Homeowners who want more liability coverage than a standard policy offers should discuss their coverage needs with a representative from their insurance coverage. 

Home insurance providers typically offer higher liability coverage limits for an additional cost. Alternatively, some providers offer umbrella insurance that provides coverage in excess of a policy holder’s other insurance policy limits. 

If you’d like to learn more about liability coverage on your property in West Hartford, CT, contact us at ALLConnecticut Insurance.