Umbrella Insurance Provides Extra Liability Coverage

Do you live in the West Hartford, CT area?

Do you have assets that need to be protected? ALLConnecticut Insurance can provide liability insurance coverage necessary to protect your assets.

An umbrella policy increases liability limits beyond your homeowners and auto insurance policies. The costs of a lawsuit, legal fees, and medical expenses can deplete your savings quickly. An umbrella policy can offer millions of dollars of liability coverage for only hundreds of dollars in premium costs.

Typically, you can add $1 million worth of extra coverage for about $150 to $350 per year. A good, experienced insurance agent can explain how much coverage your financial situation requires.

Anyone could be sued if a visitor is hurt while visiting their home. But the risk gets higher if you have a swimming pool, where anyone can have a life-altering neck or head injury or possibly drown. A tragic scenario can severely impact the homeowner’s current and future financial situation.

The medical payments coverage under your homeowner’s insurance policy will pay some medical costs. Still, the liability coverage an umbrella policy provides can help with more costly long-term care needs.

Like a swimming pool, a trampoline is considered a nuisance attractive to others. It can tempt those to use it without the owner’s permission. Some insurers forbid them entirely and could cancel your homeowner’s policy if you have one. But some can charge a "nuisance surcharge" or require a locked fence to enclose it.

To protect your current and future income, umbrella insurance will provide the liability coverage necessary to absorb the expenses related to a lawsuit in the event of an accident. Contact ALLConnecticut Insurance today for a quote.

Everything You Need to Know About Recreational Insurance in West Hartford, CT

Are you looking for the right recreational insurance plan in West Hartford, CT?

Recreational insurance is essential whether you are an avid camper or a weekend warrior. With the right coverage from ALLConnecticut Insurance, you can have peace of mind knowing that your recreational adventures are covered.

Motorcycles and ATVs

If you enjoy taking your motorcycle or ATV out on the open road, recreational insurance should be at the top of your list. Motorcycle and ATV policies cover damage to your bike or ATV and liability protection in case someone else is injured while riding with you. And don’t forget about all those accessories and gear—your policy will cover those too!

Boats and Personal Watercrafts

Whether it’s a sailboat, fishing boat, or personal watercraft like a Jet Ski, recreational insurance will help protect your vessel from damage caused by theft, fire, weather conditions, accidents, and more. Your policy also includes liability coverage if someone gets hurt while using your boat or watercraft. Plus, it will cover other items such as anchors, fishing equipment, and electronic navigation systems that may be on board your craft.

RVs and Trailers

Recreational insurance provides coverage for RVs for camping and long-distance road trips. It offers protection against unexpected events, such as fires or accidents, that can occur during travel. It also provides coverage for personal items inside the RV, such as electronics and furniture, in case they get damaged or stolen while you’re on the road. 

When choosing a recreational vehicle policy, consider what type of vehicle(s) you want to insure and how much protection you need. Contact ALLConnecticut Insurance today to discuss your options for protecting yourself on all outdoor adventures with recreational insurance coverage!