Month: June 2025

Do I Need Recreational Insurance in Connecticut if I Own a Boat, ATV, and RV?

Posted on by AgentInsure

Recreational vehicles bring excitement and adventure to vacations, weekend outings, and getaways. However, like any vehicle in West Hartford, CT, they are susceptible to accidents, damage, and bodily injury. At AllConnecticut Insurance, we provide the information you need to protect your recreational vehicles.

Boats

In Connecticut, boat liability insurance is generally not required for boat owners, depending on the size of the boat and its horsepower. However, there may be exceptions, which our agents can review with you. If your boat is financed, the lender will typically require insurance. Additionally, if your boat is uninsured, you may be restricted from anchoring at marinas that require proof of insurance.

ATVs

Just as cars and trucks must have insurance to operate on public roads legally, ATVs in Connecticut are also required to be insured. The state mandates that two- or three-wheeled motorized vehicles with a non-enclosed driver’s seat must be both registered and insured.

RVs

If you own a motorhome and plan to drive on the highways and byways of West Hartford, CT, the state requires RV liability insurance as well as uninsured or underinsured bodily injury coverage. Bodily injury liability insurance covers injuries you cause to another person, while property liability insurance covers damage to property or other vehicles for which you are responsible.

Uninsured/underinsured coverage protects you and your passengers in the event of injuries caused by another motorist who lacks sufficient insurance coverage.

Contact AllConnecticut Insurance

Staying safe is a priority whether you’re boating, exploring trails, or enjoying an over-the-road vacation in your motorhome. Having insurance, whether required or not, provides peace of mind and protects your investment. Let AllConnecticut Insurance be your partner in ensuring safe outings. Call us today to learn more.

Should I Get a Personal Umbrella Policy for My Home?

Posted on by AgentInsure

If you have a large home in West Hartford, CT, along with significant assets, purchasing a personal umbrella policy can help protect your wealth in various worst-case scenarios. While home insurance policies include liability insurance, they may not provide sufficient coverage if someone decides to file a large lawsuit when injured on your property. ALLConnecticut Insurance can help determine whether a personal umbrella policy is in your best interests.

Who Should Consider a Personal Umbrella Insurance Policy?

Although virtually everyone can benefit from an umbrella insurance policy, some individuals may require more insurance protection. You can particularly benefit from a personal umbrella policy if you face a higher risk of being sued. If you are a landlord, have recreational features like swimming pools or trampolines, or own certain dog breeds, you face a greater risk. Some people even consider teenagers a reason to sue if they are involved in accidents.

Another notable reason to consider a personal umbrella policy is if you are a public figure or have an expensive luxury home. Many people see such facts as reasons to file a lawsuit, as they believe you can afford it. Yet most people don’t have several million dollars available to pay for damages. Without an umbrella policy, you would have to pay for damages out of pocket, and that could mean losing your home, whether or not you were at fault.

How Personal Umbrella Policies Work

When someone files a claim for an injury on your property, your homeowner’s insurance will pay the initial part of the claim, up to the policy limits. Umbrella policies will cover claims exceeding the primary policy’s limit, as well as court costs and expenses.

Discover more about how an umbrella policy can benefit you by contacting ALLConnecticut Insurance, serving West Hartford, CT residents and businesses.