What Losses are Covered by RV Insurance in New Britain, CT?

A recreational vehicle is excellent for road trips, especially if you don’t want to deal with hotels. Instead of having to try to sleep on a possibly bed bug infested mattress in a motel, you get to enjoy your own RV set up. However, a standard auto insurance policy doesn’t cover all of the unique requirements that RVs need.

It does have the standard needs for a car insurance policy. You have to have liability insurance for RVs that are motorized, in case you get into an accident. It’s also helpful to have other types of auto insurance for it, to cover repair costs and other issues. The RV also acts as your home away from home, so there are elements of house insurance in it as well.

You don’t want to arrive at your destination without essentials like your clothes and entertainment devices. If you end up having a loss due to an accident or weather, the RV insurance will end up covering it. Another unique aspect of recreational vehicle insurance is the fact that you often keep the vehicle stored for the off-season. You don’t need to keep full insurance on it in that circumstance, if you have a flexible policy that sets you up with off-season storage coverage instead of a full policy. You are restricted when you can drive the RV around, however.

Talk to us if you need help with your RV insurance in New Britain, CT. We have a handy free online quote system set up so you can talk to us when you get a chance and find out what insurance package you need.

Best Homeowners Insurance Policies in Connecticut

If you own a home or are buying a home in Connecticut, you can consider yourself lucky. The state has a lower occurrence than the national average for tornados earthquakes and volcanoes. This does not, of course, mean that there’s no need to purchase homeowners insurance. There are still winter storms, thunderstorms, hail, high wind, theft and vandalism, among other things that threaten your home, so you still need to do your homework and find the best insurance policy for you.

A standard home insurance policy will cover many of the most likely types of damage a Connecticut homeowner will face. This makes things easy for you when you go shopping for a policy, as the best policy for you will often be the most basic. The one add-on you might want to consider, however, is flood insurance, especially if you live in a flood plain. Whatever coverage you choose, the way to make it the best policy for you is by setting the coverage amount and deductible at the correct amount. That is a science in itself, and one for which you may benefit from having an agent to help. In most cases, for instance, an agent will tell you that you want to insure the cost of replacement for your home, not the actual value of your home. The best deductible for your policy will depend on how much cash you have available to pay in the event of a claim, and how low you need your payment to be.

Knowing that an agent can help you to find the best homeowners insurance policy, the next trick is to actually contact an agent. As your independent agent in Connecticut we can help you to find the best insurance policy for you and even allow you to compare quotes for home insurance right on our website.

Get Auto Insurance Quote – ALLConnecticut Insurance Agency, East Hartford, CT

Your auto insurance is one of your biggest overhead expenses when it comes to your car. It is necessary for operating your vehicle in East Hartford, CT. You might not want to spend a lot of time figuring out your auto insurance quotes, but it’s important to know whether you are paying far too much for your insurance, or if you would benefit from an additional coverage option.

One way to get auto insurance quotes is to contact the individual insurance companies directly by phone, email, or chat to find out the coverage they offer, how much it costs per month, and how much your deductible is. The downside with this is that you can wait on hold for a significant amount of time, you have to talk to agent after agent, and you don’t know what major insurance carrier has the best deals for you.

An alternative to this method is to get in touch with us. As an independent insurance agency, we handle multiple insurance carriers. When you come to us, we handle all of the back and forth calling between insurance companies to determine what the best policy options are available for you. Since we’ve worked extensively with these companies, we know which companies will be the best fit for you, and which you won’t benefit from. We have an online auto insurance quotes system available to give you comparative quote information when you want it, as soon as you want it.

Lost in a world of auto insurance? Get help from our independent agents at AllConnecticut Insurance Agency, serving the East Hartford, CT region. We have experience setting up plenty of quotes for a variety of auto insurance clients. You can even set up a free online quote without calling us if that’s more convenient for your schedule.

Protect Your Investment and Get RV Insurance Coverage in West Hartford, CT

Whether you want to spend quality time with your loved ones, enjoy a second home, or go anywhere and when you please, Connecticut and a recreational vehicle are the perfect combination. Before you head out, make sure you have appropriate RV insurance coverage.

Motor Vehicle Coverage

Connecticut drivers must register the motor vehicles that they drive on the highways. And, when you register your motor vehicle, you need to show proof of insurance coverage. You’ll need to prove that you have at least the minimum liability and property damage coverage. You also need to have coverage for underinsured/uninsured motorist.

Home Owner’s Coverage

You likely carry a lot more personal things in your motor vehicle than you carry in your car, especially if your RV doubles as your home. So, you’ll need insurance coverage that’s like a homeowner’s insurance policy. This means you need liability coverage and you need coverage for your belongings — whether stored in your RV or at a remote location.

Replacement Coverage

Consider getting replacement coverage for your RV. If you have a newer RV, the insurer might replace it with a similar one if someone steals it or if it’s totaled in an accident. For older RVs, you might get money toward buying another RV.

Coverage For Permanent Attachments

Adding accessories such as awnings, wheelchair lifts and towing kits, makes life easier and more comfortable for you. These items also increase the value of your RV, so get coverage to protect your investment.

Campground Coverage

Parking your RV at campgrounds can bring exposure to unexpected risks. For example, your accidental fire might cause damage to the campsite. Make sure you have coverage that protects you if you’re liable for accidents at a campsite.

Driving or living in an RV can expose you to plethora risks. So, if you’re looking for coverage in West Hartford, CT, contact your AllConnecticut insurance agent today. You don’t want to get caught with inadequate insurance. It’s a sure way to put a damper on your RV experience.