Beginner’s Guide to Recreational Insurance

Recreational insurance in West Hartford, CT helps provide coverage for your recreational vehicles. No matter what your needs are, ALLConnecticut Insurance is here to help you. These vehicles can include boats and personal watercraft, RV and travel trailers, ATVs and dirt bikes, and snowmobiles.

This type of insurance is usually optional in many instances, but if you are financing your vehicle through a lender you may be required to obtain full coverage insurance. If you are driving your vehicle, you are required to have the state’s minimum liability insurance in order to be out on state roads.

Recreational insurance is going to be similar to auto insurance, since these are vehicles after all. However, there won’t be adequate coverage if you just have a typical auto policy for your RV. For your RV, you are going to want to protect your personal belongings and have coverage for emergency expenses.

Recreational insurance will cover your liability if you get into an accident with someone else on the road, or on the water. If you choose full coverage and opt for comprehensive and collision insurance, then you are covered from other damages to your recreational vehicle. Collision coverage will protect you if your vehicle is damaged by an accident with someone else, no matter who is at fault for the accident. Comprehensive coverage will protect your vehicle if it is damaged by a non-accident cause, or it if is vandalized. Having both these types of coverage will help protect your investment. Medical payment overage will pay for medical expenses if your vehicle is involved in an accident. Another option to consider is storage coverage, which can be useful since these vehicles are meant for recreational use and not full-time use. This can save you money and still provide protection for your vehicle while it is being stored.

Contact ALLConnecticut Insurance, serving West Hartford, CT, to get a quote on recreational insurance to protect your vehicles.

What Does Umbrella Insurance Cover?

Umbrella insurance can add extra coverage options to your insurance package. In West Hartford, CT, umbrella insurance can take the form of various types of additional coverage options. You should consider umbrella coverage from ALLConnecticut Insurance if your current insurance doesn’t cover everything you need.

How Umbrella Insurance Works with Your Regular Insurance

Basic insurance coverage often lacks a number of protections. You may not notice what’s missing until you’re in a situation where you need the extra help. Generally, umbrella insurance helps to extend your coverage limits.

For example, an umbrella policy with additional liability coverage will kick in if you’re in a situation where your normal liability coverage reaches its policy limit. This extra coverage is important since many car accidents can easily hit large damage amounts. The added coverage will protect you from a personal liability lawsuit.

What Types of Umbrella Insurance Coverage Options Exist

Umbrella coverage isn’t just a single thing. It can consist of several options. Some of the more common umbrella insurance policies can include:

  • Personal injury protection
  • Property damage protection
  • Personal liability protection

Your insurance may already cover these things, but umbrella insurance extends them.

Also, umbrella coverage isn’t limited to just these particular extensions. Some umbrella options can cover things your normal insurance doesn’t cover at all. Umbrella insurance can consist of several packages and some very specific options for unique situations.

How to Choose the Right Umbrella Insurance Coverage

Having a good understanding of your insurance needs in West Hartford, CT will put you in a good position to choose the proper umbrella insurance options. Extra insurance is always beneficial. Figuring out how much extra to comfortably add requires the help of a professional insurance service.

At ALLConnecticut Insurance, we offer umbrella insurance and other coverage options to fit your unique needs. To learn more about umbrella insurance, contact us today.

What Changes Can Effect Your Company Insurance Policy?

Keeping your business protected with all of the insurance needed is our goal at ALLConnecticut Insurance. We know that running a company is not static. Changes are inevitable. Those changes can occasionally effect your insurance policy, so if you have made any of these changes to your business it may be time to update your commercial insurance. We serve the community in and around West Hartford, CT with quality insurance services. 

Changes That May Effect Your Commercial Insurance Policy

  • Significant Change in Number of Employees – If you need to hire new employees or perhaps fire one or some it is important to update your policy to reflect the people who are covered appropriately to make sure that you (and they) are fully protected by insurance. 
  • Significant Increase or Decrease in Revenue –  To make sure you are protected to the fullest extent your limits should be increased as your revenue increases so if things go wrong your coverage reflects your needs. This is also true if you revenue decreases. 
  • Change of Location or an Additional Location – Moving your business is not as simple as just moving the insurance policy. Your new location will need to be assessed for risks and your insurance policy may change with the new location or additional location. 

As a rule of thumb, it is a good idea to contact your insurance agent if you make an alteration to your company that is previously unknown on the policy. This will mean any new equipment, employees, etcetera are fully covered if things go awry. Contact us at ALLConnecticut Insurance for more information. We serve West Hartford, CT, and the surrounding areas. 

Do I Need Insurance If My Recreational Vehicle Is Parked Or In Storage?

Most West Hartford, CT recreational vehicle owners understand the need for insurance to cover events that may occur while operating their vehicle during travel and vacations. Accidents, natural events such as fire or theft, and liability all seem like perfect reasons to have coverage when you and your family are on the road. But, what about when your recreational vehicle (RV) is in storage? Do you still need insurance then? 

RV Storage 

RV storage is increasingly popular in recent years, mostly due to the fact that many cities and homeowners associations have restrictions on what types of vehicles property owners can park on their property, as well as the fact that in many areas there’s very little available parking for recreational vehicles. With an RV storage option, you can often protect yourself against fire, storm damage, or theft, while cutting your premiums during the time your RV is not in use. Look for an ALLConnecticut Insurance policy that suspends collision and liability coverage, but keeps comprehensive coverage, and you can save significantly as long as your RV is stored.  

What If My RV Is Parked, But I Live In It? 

Depending on where you live in CT, you may have zoning that allows full-time living in recreational vehicles. Even if you are not hitting the highway, you still need protection! Look for a specialty “Full-Timers” RV coverage package designed especially for those who live in their RVs. They generally provide coverage similar a homeowners policy but are specifically designed by RV experts to meet your unique live-in needs. 

Leased or Financed Vehicles 

If you are purchasing a new or used RV that is leased or financed, you may not have a choice concerning insurance coverage. You are most likely to be required to carry insurance that protects you and your lender from risks of damage to the vehicle even if it is not being driven. Once your RV financing has been paid off, you may be able to lower your insurance premiums. 
 

3 Lesser Known Benefits of Auto Insurance

Although most of us seem to believe we fully understand our auto insurance coverage, odds are, that just isn’t the case. Check out three of the lesser known benefits of purchasing an auto insurance policy.

Vandalism Coverage

Although it doesn’t seem to be a common occurrence, vandalism can be a very costly matter to contend with. However, by purchasing a premium auto insurance policy, you can ensure that your car is covered even in the event that you are the victim of super vandals.

Rodent Repairs

Yet another common occurrence, odds are, you never even considered what you’d do if some rodents decided to say, chew through some wiring in your car, until after it happened. Luckily, by purchasing a premium policy, you can include coverage that protects your vehicle even in the unlikely event that your car is targeted by an angry clan of rodents. 

Legal Representation

Lastly, no matter how good your coverage may be, one bad accident could land you in court. Moreover, they can make it a point to sue you above and beyond what your insurance coverage covers. Luckily, many auto insurance policies will provide you with legal representation to help you get out of paying costly settlements.

Overall, for residents of West Hartford, CT, ALLConnecticut Insurance may be your best bet. Offering an array of personalized packages for drivers and automobiles of all kinds, simply stop by their West Hartford, CT office, call in, or email to speak to one of their highly qualified representatives today. They will help you explore your options and provide you with the quotes you need to make your decision. Contact ALLConnecticut Insurance today!>

Home Insurance for a Vacation Home or a Second Home

When buying a second home or a vacation home, there are special considerations for insuring a home that is not your full-time residence. Discuss the insurance needs with your agent at ALLConnecticut Insurance serving West Hartford, CT and the surrounding areas.

Here are some of the considerations to talk with your agent about:

  • Review Existing Home Insurance: When making a decision about covering a new piece of property with insurance, it is a good time to review the existing coverage for your primary residence to make sure it is adequate. In some cases, adding a second home to an existing policy may be possible or you may need a new policy for the new home. Ask your agent to be sure.
  • Different Needs for Renting a Home: If the second home will be rented out to others for some part of the year, then the insurance requirements are different. Ask your agent for recommendations about replacement cost insurance and for coverage of the loss of rental income, while the home is being repaired, if the home is damaged. Renting out a home is a commercial activity and your agent can also give recommendations about additional liability coverage and suggestions about an umbrella insurance policy for the extra risks of having renters use the property.
  • Special Risks: Depending on where the second home is located, it may be wise to consider having hurricane, flood, and/or earthquake insurance for extra protection against potential natural disasters.

Getting insurance for a second home differs from insurance coverage for a primary residence because the second home will either be left vacant for part of the time or rented out to others. For these reasons, a second home is considered a riskier property to insure than a primary residence. Contact your agent at ALLConnecticut Insurance in West Hartford, CT to get a quote for adequate insurance coverage for a second home or a vacation home.

Do Seasonal Toys Need Year-Round Coverage?

How is West Hartford, CT, different from Florida? For starters, you experience real seasons up north. That means that some of your favorite toys might regularly see multi-month spans of disuse. Those are the times that have you wondering if you really need to keep them insured throughout the year. That’s a great question, so let the experience of AllConnecticut Insurance shed some light on the situation.

How Off Is the Off Season?

There are plenty of instances where seasonal coverage will save you money on your annual premiums, but you need to be sure that the off season is reliably filled with down time. Here’s the question: how often are you tempted to take the boat out during the cold months? If the answer isn’t a resounding zero, then seasonal coverage might not be your best option. Conversely, there are situations where the off season is reliable. You aren’t going to be taking the snowmobile for a spin in the middle of the summer, right?

The other simple consideration for seasonal coverage is how long the off season actually lasts. Since these things usually revolve around weather, you want to have some wiggle room in your policy to extend coverage for an abnormally long cold or hot session.

Does it Go in Storage?

This is another important consideration. If your boat stays on a dock all winter but is still exposed to the elements, you don’t want to completely kill your storage. The same can be said for a toy that sits outside under a tarp. There are still elements of risk there. If your toy has a clear off season but doesn’t get put in protective custody, there’s a third option to try and save a little money.

Most people overlook it, but many toy policies include room for you to toggle your deductible. A higher deductible in the off season can lower your overall premiums without leaving you completely uninsured against the unthinkable.

In the end, your toy coverage necessities boil down to personal preference and lifestyle choices. That’s why your best bet is to go ahead and have a nice conversation with your AllConnecticut Insurance representative. They’ll help you plan around all of the West Hartford, CT, seasons to get a good deal.

 

Should You Get RV Insurance Before A Trip?

Residents of West Hartford, CT love going camping and taking off on trips with an RV. At ALLConnecticut Insurance, we find that getting a policy before a trip is usually a wise decision. That’s because it can help to protect your investment, even in situations where a policy is not mandatory.

RV Insurance is Often Optional

While RV insurance is usually a good choice, it is often optional. For example, people who own their motorhome without any financing are not required to get insurance. However, motorhomes that are being financed usually require policies because the lender will make it part of your loan deal. That said, towable vehicles, such as pop-up and fifth wheels, usually don’t require insurance to own and use. That said, just because a policy is not mandatory doesn’t mean it isn’t a good idea to have one, particularly if you are going on a trip.

Policies Are Wise if You Are Traveling

Even if RV insurance isn’t required in your instance, it is still a good idea to get it before going on a trip. Imagine driving your motorhome up a mountain and suffering from brake failure. The damage you cause before you finally stop could be catastrophic. And without liability or collision coverage, you are going to be left in a strange area with a huge repair bill and potential lawsuits on your hands. These situations could be easily handled with liability and collision insurance but not so much if you don’t have these policies to protect you. 

Let Us Know if You Need Help

Residents of West Hartford, CT who plan on going on a trip with their RV should contact us at ALLConnecticut Insurance to learn more about their policy options. We can help you sort through the confusion and get the right coverage for your trip and your travel needs.

Tips for Saving on your Commercial Insurance Policy

A commercial insurance policy helps protect your business from risks such as legal suits, and natural disasters. Here are some tips on how to save on your commercial insurance cover; 

Increase your deductible
A higher deductible implies a lower premium and vice versa. Keep in mind that you will have to pay the deductible before your claim is processed. Therefore, set your deductible to a reasonable amount.

Consider bundling your coverage
Purchasing a policy package that covers multiple coverages and liabilities is often cheaper than purchasing individual policies. This could explain why the Business Owner’s Policy (BOP) is popular among small start-ups. However, find out exactly what you are covered against and find out whether your insurer can customize the package.

Look out for discounts from your provider
Often, insurers offer discounts if the policyholder does not file for claims for a specified period. Implementation of a safe workplace program could also qualify you for discounts. Inquire from your service provider on the various discounts they offer and whether you qualify for them.

Inquire on loss-prevention programs
Most insurers will be willing to advise you on the ways through which risks in your business can be minimized. Such could include introducing a theft-prevention strategy and establishing disaster awareness plans.

Provide a safe working environment
Implementing the safety recommendations from your insurer translates to lower premium rates. Not providing a safe environment or the reluctance to enforce safety regulations shows means that there is a greater risk of workplace injuries hence the higher premiums.

Do you need a commercial insurance policy in West Hartford, CT? ALLConnecticut Insurance has got you covered. Get in touch with us to find out the different commercial insurance plans available for you. You can also obtain a free estimate of your policy on our website. 

What To Do if You Have a Boat Accident

Nobody wants to think about having a boat accident; however, knowing what to say and do if you happen to have one is an important consideration for all boat owners. There are certain steps to take in case there are people injured or killed. There are things to do to help those in need. There are things not to do and things that should not be said. This is a helpful guide from the agents at ALLConnecticut Insurance, serving West Hartford, CT and the surrounding area.

Safety First

After a boat accident, if you are still onboard and the boat is afloat, determine if anyone is injured and needs medical assistance. At the same time, evaluate the safety of remaining on the boat. Stay calm and do not panic. Focus on making good decisions and taking the appropriate actions depending on what is happening.

In some boat accidents, the fuel explodes into flames. If there is any risk of this occurring or if the boat is already on fire, help everyone out of the boat and get into the water. Move as far away from the burning boat as possible.

If the boat is sinking, make sure everyone has a floatation device and get into the water. Move away from the boat to avoid the boat pulling you down under water from the vacuum caused by its sinking.

If there is no risk of the boat sinking, or from fire, or explosion, do the opposite and stay on the boat. Help anyone that fell overboard to get back into the boat. Help the injured by giving first aid. Use any available communication system to send a “May Day” distress call for help to the Coast Guard.

Gather Information

Once you are sure everyone is OK and out of danger, gather information about the accident, such as the contact information for everyone involved including the boat owners, passengers, witnesses, and insurance companies/policy numbers (if available) for the involved parties. Take photographs of the scene and the damage.

Report the Accident

Federal law requires the boat accident to be reported if anyone is injured enough to need medical care or killed. Moreover, if the damage exceeds $2,000 a report must be filed with the U.S. Coast Guard. Do not admit the accident was your fault or say you are sorry about it to anyone.

Contact Your Insurance Agent and an Attorney

As soon as possible contact your insurance agent to inform them of the accident. It is also usually a good idea to contact an attorney that specializes in boat accidents regardless of who is at fault for causing the accident.

For peace of mind, ask your agent at ALLConnecticut Insurance in West Hartford, CT to review your boat insurance to make sure the coverage is adequate.