When you purchase insurance in West Hartford, Connecticut with the help of an independent agent, you may wonder about your point of contact after the purchase goes through. You may worry about whether to contact the insurer with your questions or if your agent is a better source of information. Ultimately, the decision depends on the situation and the information that you need.
Working With an Agent
Purchasing coverage with the help of an agent means that the individual has taken time to find the right plan based on the needs you identify before you obtain coverage. An agent is able to answer your questions about the policy, exemptions, clauses or other concerns that arise based on the details of your plan.
Although an agent can give some information, you may discover that the agent does not have every answer that you need. In some cases, you may want to contact the insurer directly to determine the right course of action.
Talking to the Insurer
Your home insurance can seem complicated when you first start looking through the fine print of your policy. When you are not sure whether a specific situation falls under a clause or exemption, an agent can help. If you need to make a claim or you want to clarify the specific claims process of your insurance company, then your best point of contact is the insurer.
An agent can help you find the right plan for your needs, but may not always have every answer to your questions or concerns. The situation and the type of information that you need will ultimately dictate the best point of contact. To learn more about protecting your home, contact us to talk an agent today.
Insurance is just one of many expenses that business owners must undertake, so it’s no wonder that many professionals inquire about ideas to keep their commercial insurance costs under control in West Hartford, Connecticut. Although some strategies apply to many businesses across the board, others are more closely dependant on the type of business and characteristics of its owner. So keep in mind that the most appropriate solutions for a particular business can best be discovered by consulting with an independent agent.
Many businesses that hold commercial insurance operate out of office, store, warehouse and other locations. We recommend that owners consider the risks associated with each of their Hartford business locations, preferably even before purchasing a particular location. If you own a store, you may be drawn to a historic building near Westmoor Park, but you may pay more to insure that historic building than you would for a new shop in Blue Black Square because older buildings can be at a higher risk for damages or need more complex and expensive maintenance over time. If you need an office where people can perform duties but aren’t expected to have in-person customer interactions, a building that is central and easy to get to is important but it probably isn’t worth paying a higher rate for a historic building just for its location. Perhaps a place near Flatbush Avenue would better fit your needs and your budget. The types of coverage that you are most likely to need also depend on your location and type of work. Some areas and business types have higher risks of theft, vandalism, fire, flood, and other perils. It’s not always clear to owners how insurance companies assign risk, but that’s where our independent agent can come in to provide the clarification that can help them save on their commercial insurance premiums.
If you have ever bought a home or tried to sell one, then you know the challenges that you can face. One that you will have to decide about and answer is the issue of home insurance in West Hartford, Connecticut. To help you understand the process of insurance when buying and selling a home here is some information that you will need to know.
The Insurance Process When it Comes to Buying and Selling a Home
- When selling your home you will need to keep a policy in force for as long as the home is in your name. Until the other party signs their name on the dotted line you are responsible for any damages that can occur.
- When buying a home you will need to get a new policy in order to protect your new investment. The insurance will not take effect until you have full possession of the home after the final closing.
- You will not be able to move one policy from one home to another. The house must have a completely new policy in place so it is protected for the right amount of coverage.
- On the policy you cancel any unearned premiums that are left are usually refunded back to the policyholder. When this happens you will get a check in the mail several weeks after the cancelation date of the policy.
If you are thinking of buying or selling a home, you will want to contact your independent agent today. As your agent we can help guide you through the entire insurance process. It is vital that you speak with us right away. We can give you the tools you need to find the right policy for your new home.
Can you help me get lower auto insurance rates for my car? As an independent agent, that is one of the most often asked questions that we are asked by clients looking to insure their vehicle. Of course we can help you get the most affordable Connecticut insurance rates on cars and other insurance products. We are also here to help you in many other ways.
For instance, an independent agent in West Hartford, Connecticut can help you change the registration address on your auto policy. Under Connecticut state law, you are required to notify your insurance carrier whenever there are any material changes that need to be made to your policy. If you want to add another driver or remove one, you can just call us and we will make the change for you.
If you move from one place to another in the state of Connecticut, that change of address must be reported. Part of the reason is that your insurance company needs to know how to contact you by mail and part of the reason is that a new registration address can affect the premium on your auto insurance policy.
You should not worry about having to change your vehicle registration address. It is no more complicated than notifying people who send you mail that you have moved to another address. If you are making monthly payments to your insurance company, they need to know where to send the next bill.
If you fail to notify them and do not pay your premium when it is due, your auto insurance could be canceled. As your independent agent, we will make sure you get the endorsement added to your policy that will change the registration address on your auto policy.