All You Need to Know About Recreational Insurance in Connecticut

If you live in Connecticut and like being outdoors, your chances of owning a recreational vehicle are incredibly high. A recreational vehicle is similar to your regular car. It also needs proper protection. What is the best way to protect it? Getting recreational insurance is one of them. If you are searching for this type of insurance, keep on reading to learn crucial facts:

What To Know About Recreational Insurance?  

Here is what you should know about it: 

  • There is a difference between full-time and part-time recreational insurance. You will need part-time recreational insurance if you use your RV only for short-term vacations and weekends. However, if you live in your vehicle full-time, consider getting the full-time insurance option. 
  • You can get a discount on your recreational insurance. If you are a careful and safe driver, you can receive a discount and pay less for insurance. How does it work? Many insurance companies offer a discount to those who finish a safety course. 
  • Different recreational insurance policies cover different things. If you are considering a specific policy, ask an insurance agent what it covers. For example, some insurance policies cover your RV only and do not cover personal items. 
  • Recreational insurance is mandatory in Connecticut. The Constitution State requires RV owners to carry minimum liability insurance. This means that driving a recreational vehicle in Connecticut is illegal. 

ALLConnecticut Insurance – Your Reliable Insurance Company in West Hartford, CT

Are you a Connecticut resident? Searching for protection for your precious recreational vehicle? Do not look any further – ALLConnecticut Insurance is here. Our insurance company specializes in different insurance types, including recreational insurance. We are ready to answer your questions and find a plan that suits your needs. We work with clients from West Hartford, CT, and nearby towns. Contact us today to have your insurance tomorrow! 

Umbrella Insurance: What Is It and Why Do You Need It?

You may already have auto and home insurance that protect your property and precious vehicle. However, have you considered getting an additional layer of protection? If so, you may want to purchase umbrella insurance.

What Is Umbrella Insurance?

It is an extra type of insurance that extends beyond the coverage limits of other insurance policies you already have. The purpose of this insurance is to protect against catastrophic liability claims. It goes into effect when the primary policy is exhausted. 

Why Would You Need Umbrella Insurance?

There are millions of situations when you can exhaust your primary auto or home insurance policy. Here is a list of only some situations and incidents that may necessitate umbrella insurance: 

  • Your dog bites someone, which causes an injury
  • Someone gets injured while using your boat or watercraft
  • Someone gets injured in your swimming pool
  • You say or publish something negative or false about another person
  • Your friend’s child plays in your backyard and gets injured on the trampoline

All these scenarios are pretty common and can happen to anyone. Therefore, having an umbrella policy is always a brilliant idea. It is an additional layer of protection that will give you peace of mind. 

ALLConnecticut Insurance – Reliable and Experienced Agency Serving Clients in West Hartford, CT

Looking for an insurance policy can be frustrating and exhausting. At ALLConnecticut Insurance, we understand this and want to help you. If you live in West Hartford, CT, or any other nearby town and need umbrella insurance, contact our agency. We specialize in different types of insurance, including umbrella insurance. Reach out to us for more information and details.