Insuring your property while moving

Moving is stressful, even if it is also exciting. In some ways moving a few blocks away can be even more stressful than moving across the country. While moving you need to protect your property as there is a good bit of exposure during this process.  While the property may be in your auto, it may be your home insurance that actually covers your property.

It is a good idea to call the professionals at All Connecticut Insurance in West Hartford, CT to make sure you are covered. Generally, your property is covered under a homeowners policy, but you may need a special policy. Some moving companies have insurance, but there may be some things you are moving, and for those items, you need to make sure it is covered by your insurance agent.

For instance, if you have your camera in your car while you are moving, and it gets stolen along the way, it could be covered under your homeowner’s policy. It is best to make sure before you start the move just to be sure.

A move that is only a few blocks, or across town, maybe one that you make yourself. This is a good idea but it will expose your property even more to possible damage or theft.

Contact the professionals at All Connecticut Insurance in West Hartford, CT, to make sure you have the coverage you need.  Existing clients should contact us before making a move to update your policy New customers might consider making sure they are covered by adding the property coverage to their home insurance policy.  Just ask your agent if you are covered, and find out if a rider or extra agreement is required so you can take a little stress out of making a move.

What Factors Should I Consider When Getting Auto Insurance?

Buying a new or used car is always a big purchase and investment. Next to their home, a car is the biggest asset that many people will ever own.  Since owning a car is such a big investment, making sure that it is properly covered by insurance is very important.  For those that are in the West Hartford, CT area, there are several factors that should be taken into consideration when shopping for a new auto insurance policy. 

Minimum Requirements by Law

One of the most important factors to consider when you are looking for an auto insurance policy is what the minimum requirements are.  Similar to other states, Connecticut requires that you carry a certain level of liability insurance.  In the state, you will be required to carry a liability policy with minimum limits of at least $25,000 per accident and property damage plus bodily injury coverage of $25,000 per person with a $50,000 limit per accident. 

Additional Coverage Needs

While you will want to stay in compliance with the law, the liability minimums are often not enough to cover your liability risks.  In many cases, it would be wise to get a policy with higher limits.  Another factor to consider is whether you should get collision and comprehensive insurance.  Collision insurance will provide you with coverage to repair your vehicle if you are at fault in an accident or if the other party is not insured. 

Comprehensive coverage will provide you with coverage in the event your car is stolen, vandalized, or damaged by a storm.  In many cases, an auto lender will require you to carry both collision and comprehensive coverage. 

For those that are in the West Hartford, CT area, working with AllConnecticut Insurance could be a great option.  AllConnecticut Insurance can help you get into a great policy that meets your needs.