Renters in West Hartford, Connecticut often overlook the need for renter’s insurance. They may think that because they rent that they do not have to worry about many of the problems or issues that are faced by homeowners. If their apartment burns down, for instance, their landlord will need to pay to build a new one, and they will simply move to another apartment. There is some validity to this line of thinking, but renters should keep in mind that they need to protect their personal property.
A renter’s insurance policy covers everything that a renter owns. These policies can cover everything from expensive electronics to family jewelry and more. As an independent agent, I have spoken to countless renters who thought that they didn’t need a policy. They thought that their used furniture or other personal possessions weren’t worth getting a policy. However, once these clients looked at how much it would cost to replace their possessions, they realized that they needed to protect their property.
The right insurance policy can protect your personal property from flood, fire, theft, and more. In fact, if you move, most policies even continue to cover your personal property until you get to the driveway of your new home. If you lose some of your property while moving from West Hartford to another area of Connecticut or even to another state, the renter’s policy will continue to cover you.
In some cases, renter’s policies can even cover your liability to guests. For instance, if one of your children’s friends gets hurt while playing at your rented home, your policy can help to ensure that you will not be forced to pay their medical bills.
As your independent agent, I would love to speak with you more about how a renter’s policy can protect your possessions and your family.
There are several factors that need to be taken into consideration when purchasing commercial property insurance in Connecticut. Determining the types and amounts of coverage along with a reasonable deductible are vital parts of the decision making process. Our independent agents can help you navigate through the numerous options, helping you ascertain what your policies need to cover, and what they don’t. Additionally, we can provide you with live, comparative prices so you won’t pay more than you have to.
Liability is one of the key aspects of commercial property coverage. It can cover a multitude of losses such as theft, fire, and injury. Other types of insurance, such as tenant insurance or building insurance, can supplement your basic liability policy. If you require several types of insurance it may be possible to combine them with your commercial property in a Business Owners Policy which incorporates several types of coverage in one bundle.
Another factor to consider when purchasing insurance is the deductible. Usually, premiums are lower when policy deductibles are high. However, since deductibles will be paid by you in the event of a loss, you want to ensure that the deductible is affordable. Choosing the right deductible is something we can help you with.
Since commercial property insurance needs vary from one owner to the next, it may be overwhelming to figure out which kinds of coverage are necessary and the right amount of coverage. That’s where we come in. We will analyze your commercial property needs, assess your risks, determine the proper amounts of coverage and get comparative rates to help you make an informed decision.
As an independent agent in West Hartford, Connecticut we are familiar with the commercial property insurance needs of the local and surrounding areas. Whether you are just starting out and looking for your first policy, or looking to find competitive rates we can help you. Contact us to speak with an independent agent today!
It is widely known that POI or Proof of Insurance are all kinds of documentation that a driver can demonstrate so as to prove that he/she is legally insured with an insurance company. It usually is in a paper- card form with information on the validity dates and is shown upon a law enforcement official’s request. Any failure to show proof that you are legally insured by an insurance company, while driving within the jurisdiction of Connecticut might get you in serious trouble. Your vehicle’s registration risks the chance to be either delayed or denied. Many drivers have seen their licenses being revoked and it is a complex procedure to prove that you actually have purchased your insurance but don’t carry it with you at the time of the inspection. What is more, you can get a traffic ticket in Connecticut, if you don’t find your insurance ID card, thus provide proof of being insured. Moreover, you can get your plates suspended as well when ordered to pull over in Connecticut and fail to provide solid evidence of your vehicle’s insurance. All the above situations usually end up in a court room, where you should appear with the card ID to prove that you DID have insurance in force when you were pulled over, and that means that you both lose time and get into ugly situations. However, technology has once again proven useful and has come up with a solution to this problem. The suggested solution’s name is Electronic Proof of Insurance and there have been several states that have adopted or have started forwarding the electronic ID insurance card. Apart from the new proposed method, it is strongly advised to purchase a full year’s insurance instead of a 6-month once, so that you don’t jeopardize getting suspended again.
Are you looking to save money on your Connecticut home and auto insurance policies? One of the best ways in which you can save money is by combining both of the policies and using the same insurance company .
Why do insurers give discounts when you combine policies? The answer is really quite simple. When you add another policy to an existing one, you’re bring in more money for them; it’s cheaper to provide more services to an current customer than to go out and find a new one.
You’ll also save them money when it comes to paperwork and the employee whom they pay to handle the paperwork. While it may not seem like they save that much, as more customers are combining their home and auto policies, the greater the savings the company will see. And because of that, they are willing to pass the savings on to you.
In addition to saving money with the discounts that the insurance company gives you, you’ll be able to better budget your money and save time by making fewer payments and dealing with fewer people. If you pay your premiums annually, you can set aside 1/12 of your payment in a savings account each month so that you just have to write one check. You’ll benefit from earning interest on the money throughout the year, and you only need to worry about that single payment.
If your policies are currently with two different companies, and you have low premiums, you should still work with your local West Hartford independent agent to see just how much money you’ll save by combing your home and auto policies with the same insurer. Contact us today to find out how much you could save this year!