Month: November 2025

Does Recreational Vehicles Insurance Meet State Minimum Requirements?

Posted on by AgentInsure

Vehicles driven on the road in East Windsor, CT, are required to have insurance, which may include coverage for recreational vehicles. RV insurance policies can vary, so it’s important to ensure your policy meets the legal requirements before you hit the road. 

Connecticut Law

Connecticut requires you to have insurance for every vehicle registered in your name. The insurance policy must provide:

  • $25,000 per person and $50,000 per accident for bodily injuries
  • $25,000 per accident for property damage

Many people buy additional coverage, such as collision or comprehensive coverage, to ensure their RV is protected in case of an accident or other damage. Liability insurance will only cover the other person’s property damage and bodily injuries, unless you’re hit by an uninsured or underinsured motorist. In that case, it may cover you. 

RV Insurance

Policies for RVs are created with the assumption that you’ll be driving them on the road, so they are designed to meet state minimum standards. 

Additional Protection

Many RV owners opt for additional coverage. Full coverage ensures that your vehicle can be repaired or replaced if it is damaged or lost due to theft, vandalism, or a natural disaster. Roadside assistance packages can provide relief if you get stranded on the road. You can also get additional medical coverage to ensure bodily injury is covered for your passengers. 

At ALLConnecticut Insurance, we understand the importance of making sure you have the coverage you need. Our agents will work with you to make sure you’re good to go before you hit the open road. Contact us to learn more about our available policies. We’re currently serving East Windsor, CT.

Will Commercial Insurance Cover a Plumbing Emergency?

Posted on by AgentInsure

Business owners in and around East Windsor, CT, often obtain commercial insurance to ensure they’re covered if something happens to their business. It’s essential to understand how this type of insurance works. 

Types of Commercial Insurance

There are various types of policies available for business owners, each covering different things. Workers’ compensation is typically legally required for businesses with at least one employee. It covers lost wages and medical bills for workers injured on the job. 

Liability policies cover other incidents for which the company may be responsible, such as injuries to nonemployees on the property. Commercial auto policies are meant for vehicles used for business. Property insurance isn’t legally required, but it is the type of policy that typically covers plumbing-related situations. 

Property Insurance 

Commercial property insurance covers various perils, possibly including plumbing emergencies. It typically covers accidental or sudden damage, such as a burst pipe or a plumbing emergency caused by equipment failure. 

However, it typically doesn’t cover damage from normal wear and tear. It also may not cover damage due to natural disasters unless the disaster is a "covered peril" in the policy. Many policies specifically exclude certain disasters, such as floods, so damage from them won’t be covered. It’s important to speak with an agent at ALLConnecticut Insurance to learn what your policy does and doesn’t cover.

Learning about the specifics of your policy can be stressful. Thankfully, our agents are here to help. Contact an ALLConnecticut Insurance to learn more. Our knowledgeable staff will happily answer any questions you have. We’re currently serving the East Windsor, CT, area.