Reasons why you should use a local insurance agent in West Hartford, CT to purchase a policy

Are you searching for homeowners, life, car or health insurance in West Hartford, Connecticut? Then you need to work with an independent agent who serves this local market.

An independent agent who knows the West Hartford market is best able to help you purchase the insurance policy that best fits your needs, whether you’re looking for life insurance to protect your family, car insurance that allows you to stay on the road or homeowners insurance that protects your house and valuables in case of a natural disaster.

Insurance is a necessity. If you don’t have it, a disaster, accident or medical emergency could quickly decimate your household finances. Unfortunately, buying a policy is far from free. You’ll need to pay for your protection.

The good news, though, is that different insurance carriers offer vastly different fees. Homeowners insurance from one carrier might be hundreds of dollars more expensive than an equally strong policy from a competitor.

You might also qualify for several rate cuts. Insurance providers offer several discounts to their clients. For instance, if you have a driving record that is free from accidents or speeding tickets, you might qualify for a lower fee on your auto insurance. If you don’t smoke and boast a healthy weight, you might qualify for a discount on your life insurance policy. And if your home is protected by a security system, you might not have to pay quite as much for your homeowners insurance policy.

An independent agent can help you find these discounts and comparison shop for the most affordable policy for you and your family. This agent can also help you discover the policy that provides the best protection for yourself and your family members, one that will prevent an emergency or disaster from wiping out your finances.

Questions to ask when shopping for Connecticut Homeowners Insurance

If you own or plan on buying a home in West Hartford or elsewhere in Connecticut, you will need to know a few things about homeowners insurance. Whether you’re getting your first policy or looking to change insurance companies, as an independent agent I can tell you that there are some questions you can ask to make your shopping a bit more effective.

The first thing you need to find out when looking at any homeowners insurance policy is what is covered and what is not. There are multiple levels of homeowners insurance coverage and you need to know if you’re talking about a policy that covers every item in your home as well as the structure itself, or if it just insures the structure against certain specific types of damage. These are things you don’t want to find out when you call with your first claim.

When talking to your independent agent, another good question to ask is about amounts of coverage. Make sure you understand if you’re talking about a policy that gives replacement cost or guaranteed replacement cost and what the maximum amounts are. It defeats the whole purpose of insurance if your house is destroyed and you end up not having enough money to replace it and still owing money on your mortgage. Another good question to ask is what is the limit of coverage for your valuables, in and outside the home.

In terms of cost, you should ask your independent agent about the appropriate deductible size for your situation, and how adjusting that might save money. You should ask about any discounts you might qualify for and what safety features you could add to your home to qualify for more discounts.

Homeowners insurance is an absolute necessity for anyone who owns a house, townhouse or condo in West Hartford. Connecticut homeowners should definitely not be afraid to ask questions when shopping for a policy, because the right questions will help you to find the right policy for you.

Connecticut Homeowners: Is my Child Covered for Personal Property while away at College?

When a homeowner’s child goes off to college there are a lot of different issues to consider within the insurance arena. College students take a lot to college with them such as microwaves, small refrigerators, computers, personal clothing, furniture and more. Have you ever wondered if these possessions away from home are insured under your homeowner’s policy no matter where they are staying, a house, apartment, fraternity, or dorm room?

Connecticut homeowners who have a child in college will need to contact their independent agent to see what their policy reads about an insured person. A student should be named on the declaration page. Connecticut insurance companies say that all personal property extends to any children away at college. Review your policy with your independent agent to make sure that your student has the coverage they will need while away. Let the agent know what your child is taking with them to assess the need for a stand-alone policy for items not ordinarily covered in a basic homeowner’s policy.

What needs to be considered are the perils of loss from personal property that is not listed as a natural disaster where a special policy will need to be purchased? The tools that college students take to college these days are expensive items, so parents need to play it safe and make sure that the private possessions of the student are protected, because it would be a hard thing to replace expensive possessions after loss and no insurance.

Students need to take photos of all of their college possessions and keep it in a safe place in the event that a natural disaster, or theft occurs, vandalism happens or a natural disaster strikes. Give us a call and an independent agent in Connecticut can help sort out the college dilemma. Make sure your student is covered in the event of any losses.

What to Know about Connecticut Boat and RV Insurance

When you buy a boat or RV, you are going to want to insure it the same way you would your house or your car. This can protect you and your vehicle in the unfortunate event of an accident, a natural disaster, vandalism, and more. If you are interested in insuring your RV or boat, contact us. As your insurance agents, we are here to answer all your questions and help you find the best policy for you and your needs. Here are a few other things you should know as you get ready to buy the optimal policy.

For example, RV insurance does not have only protect the vehicle itself. In Connecticut, the right policy can also help protect the passengers as well as any valuables and assets that you may have on board. This can be a very important feature. We have heard of many people filing a claim with various situations such as their RV was broken into while they were camping and had stepped away from the vehicle to go swimming or fishing. The right Connecticut RV insurance policy can protect everyone and everything involved.

Boat insurance coverage is also very important. It protects the owners of the boat should something go wrong with boat, such as an accident or water disaster. It can also help to protect the passengers. Boats are great toys, many people enjoy being able to relax on the water and enjoy the weather, but it is also important to protect yourself.

We are here to help you sort through the variety of available insurance policies for your boat or RV. There are such a wide number of policies options available in Connecticut that it can seem overwhelming. Let us walk you through the policy options. Call us today to speak to an independent agent and get started.