Does my boat insurance cover all the drivers in my household in West Hartford, CT?

When a person first buys a boat their intention is to protect the craft from being damaged. So they take the time to research out which boat policy in West Hartford, Connecticut is right for them. Here are some things that you will want to think about when it comes time to but the policy for your boat.

What Your Boat Policy Offers By Way of Protection

  • Your boat policy is designed to protect your craft from being damaged in the event it is destroyed by a covered peril. For instance if the craft is damaged by hail, your policy will pay the money that it takes to fix it.
  • The policy will also cover the liability exposure if the craft is involved in an accident and another person is hurt. But the problem comes if the driver of the boat is not listed on the insurance policy. You will want to list any operator on the policy to avoid any question of coverage.
  • Like an auto policy all drivers in the household will need to be listed on the policy as possible operators of the craft. An insurance company will want to know about any possible risk exposure before issuing a policy.
  • Your boat policy acts much like an auto policy. It will cover any person that operates the boat as long as they are listed on the policy.

If there are any details that you need to know about with regards to your boat insurance policy, you need to call your independent agent today. As your agent we can provide you with the answers that you need to insure your boat the right way. Give us a call and let us tell you everything that you need to know about your boat insurance policy.

Can I insure my RV/Toy only during vacations in West Hartford, CT. As I never use them regularly?

When you first get an insurance policy there are a number of things that you want to make sure is covered before paying for the policy. You will want to make sure that the liability amounts are set properly, your deductibles are what you can afford and even that all the other coverage limits are where they need to be. Here are a few things that you will want to consider about your RV insurance when it comes time to insure the vehicle in West Hartford, Connecticut.

Things You Will Want to Know Before Regularly Using Your Toy Insurance

  • When you are done taking your yearly vacations there is no need to keep the liability limits active during the storage months. You can suspend the liability limits on the policy and pay less during those months until you need to use it.
  • During the storage months you will want to keep the physical damage benefits active in case there is ever damage to the RV from a covered peril.
  • Your insurance premium is directly affected by how much coverage you have on the RV. When you suspend certain benefits you will not have to pay for those benefits until they are activated.
  • It is imperative to keep your benefits up-to-date by paying the premium when it is due. If the policy lapses you will not have any benefits to protect your RV.

RV insurance is never something that you should take lightly. The policy protects your investment by providing the finances you need to repair any damages. As your independent agent we can help you decide what kinds of benefits you need to keep on the RV during certain times of the year. Give us a call today and let us communicate to you what you need to know about RV insurance.

In West Hartford, CT, Can I insure contents of my home during the policy period?

There are times that you add additional contents or personal property to your home during an insurance policy period in Connecticut. You want to be sure your new furniture, electronics or appliances are protected.

When you want to insure new items during your policy period, contact your independent agent to learn how to do this properly. Whether you’re home is in Hartford, West Hartford or anywhere else in Connecticut, your independent agent can give you multiple quotes on contents insurance with one online visit or phone call.

It’s not unusual for homeowners to acquire items during their policy term. You can typically use one of three methods to modify your insurance coverage during your policy period.

  • Add contents coverage during the term of your insurance policy.
  • Add riders to your package of protection, identifying specific items.
  • Increase the amount of your contents protection.

The bottom line: You want to be comfortable that your personal property protection amount is sufficient to replace all of your items should a covered loss occur. Getting multiple quotes from your independent agent will give you different coverage options for protecting the items in your home.

Your choices include the type of coverage you want.

  • Named hazards. Protects you for losses from specific hazards, excluding others not noted in your policy.
  • All perils coverage. Protects you from all hazards, except those excluded by your policy language.

In both cases, your independent agent can help you decide which is best for you. Additional contents coverage give you other choices.

  • Actual cash value. Restore, repair or replace items by deducting depreciation for your personal property’s value before paying a claim.
  • Replacement cost. Pays you to replace your contents with new property of the same kind and quality.

In all cases, contact your independent agent to get direction on how to add contents coverage during your policy period. You’ll protect your personal property from loss with premiums you can afford.

Do the Years I’ve Spent Driving a Company Car Count Towards My No Claims Bonus in West Hartford, CT?

Insurance companies like to reward ‘good’ drivers. The reward often comes in the form of a discount on a car insurance policy. One of the most popular discounts offered to drivers is a no claims bonus.

A no claims bonus is a discount that is offered to policy holders that have not made any claims through an insurance company. Typically, the bonus is awarded based off of amount of time that an individual has driven a personal vehicle – 2 years, 5 years, or 6 years – without making any insurance claims, but the use of a company car may also count towards this insurance bonus.

Some car insurance providers allow individuals to use the amount of time they have safely driven a company car without making any claims. The insurance company will credit the individual driver with time as a safe driver if he or she has driven a company car, but only if proper proof can be provided.

Required proof and length of claim-free driving will vary depending upon the insurance company. Some insurance companies require an official letter from the employer that states how long the individual drove the auto, how many claims were filed, and even how many miles were driven.

Insurance companies will vary on the length of time an individual must spent driving a company car without a claim being filed to qualify for the no claims bonus. The length of time can vary from a single year of driving without any claims to five or six years.

We, your independent agent, can help you find insurance quotes that may take into consideration your time driving a company car in West Hartford, Connecticut. Contact us today to get more information on your specific insurance needs.