Insuring Your Teen Driver

When it is time for your teenager to obtain their driver’s license, it is exciting but at the same time, a little intimidating for parents. While teens can wait to get behind the wheel,  parents have several things to do before and after that happens to ensure peace of mind.

One of the concerns many parents have is obtaining auto insurance for their teens, and they worry about how much money it will cost. Here are some tips for securing insurance for your teen without going broke.

Use Your Policy

It is less expensive to add your teen driver to your existing auto insurance policy than to obtain a brand new policy for him or her only. This will also help maintain your current insurance status, especially if you have not had any accidents or citations for at least five years.

Type of Vehicle

Much like any other insurance policy, it will cost more to insure a sports car versus a family-style sedan. Just because your teen wants a Mustang GTO does not mean you have to purchase them one. Opt for a vehicle that gets good gas mileage, is dependable and safe and will not break the bank when you obtain insurance for it.

Follow the Law

Parents should update themselves on the laws in their state. In Connecticut, teens must be 16-years-old to take a test to obtain their learner’s permit. They then must drive only when accompanied by a parent, guardian, or driving instructor who have valid driver’s licenses.

A teen must practice driving for at least 40 hours with one of the adults listed above and must take at least 22 hours of classroom training before taking their driver’s exam. They must also take an eight-hour class about safe-driving techniques from a driving or secondary school that is licensed by the state of Connecticut. After all of this is completed, they can take their driving examination which includes a road test.

Raise the Deductible and Look for Discounts

Two other ways to keep costs down is to increase the deductible on your policy. The higher the deductible, the lower your insurance premiums will be to insure your teen driver. Also, if your teen gets good grades, you may be entitled to a discount.

The West Hartford, CT agents with ALLConnecticut Insurance can assist you in obtaining auto insurance for your teen driver and answer any questions you may have.

Ways to Make Your Home and Property Safe All Winter

During winter you’re undoubtedly juggling many things, as you are trying to keep your house warm and cozy, working to keep your vehicle maintained, while also handling the usual day-to-day responsibilities. But also make sure you pay close attention to keeping your home and property safe during the winter. Here are some valuable tips, courtesy of ALLConnecticut Insurance serving West Hartford, CT.

Sidewalks and driveway

The area around your house can get super slippery during the winter. Head off the danger by remembering to thoroughly clear all ice and snow from sidewalks and your driveway. Just take your time and prevent painful injuries.

Fireplace safety

The warmth and glow from your fireplace can provide comfort, relaxation, and beauty during the cold-weather months. But it can also be a serious hazard. Manage the risk by constantly monitoring any fire in the fireplace and making sure that sparks do not fly out of the fireplace. Also, keep the fireplace cleaned and maintained at all times.

Candle safety

Candles can also provide a lot of beauty and ambiance in your home during the winter. But they should be closely monitored, which means you should never leave the room when a candle is burning. And keep a close eye on any candle that is burning.

Electrical items

Electrical items are another type of potential risk in your home. Make sure you thoroughly inspect all electrical items regularly and look for problem issues like old or frayed cords. Repair or discard items as needed.

It doesn’t take much time or energy to monitor your home for safety issues during the winter. If you need more ideas or would like to get information on home insurance, feel free to contact ALLConnecticut Insurance serving West Hartford, CT.

What Is Toy Hauler Insurance And Why Do I Need It?

Whether you anticipate winter because you can’t wait to hit the snow with your snowmobile, or if you’re anticipating warmer weather in West Hartford, CT that’s perfect for bringing out your dirt bikes and ATVs for an exhilarating adventure, one thing you shouldn’t overlook is insurance protection for your toy hauler. Your toy hauler is a great way to get your equipment from here to there safely, but it’s an expensive investment, so it’s important to get insurance coverage with a specialty RV policy before you hit the road with your toys. With the right ALLConnecticut Insurance policy, you’ll have the peace of mind from knowing that you are covered if anything happens to your toy hauler. 

What Kind Of Insurance Do I Need For My Toy Hauler? 

There are several different types of toy hauler insurance that cover different kinds of losses, including: 

Total Loss Replacement — This insurance replaces total losses with the latest available model or a comparable model. If the latest model is not available.  

Contents Coverage — Some basic hauler policies don’t cover any items you have inside your hauler. Contents coverage is a great policy because it will cover all of the items contained inside your hauler in the event that it is damaged.  

Agreed Value Coverage — This coverage will pay you the amount you originally paid, or the appraised value of the hauler, in the event of a total loss, with no deduction for depreciation or standard deductible. 

At ALLConnecticut Insurance, we’ll find the perfect policy to match your price and protection requirements. We work with numerous high-quality insurance companies, making it easy to compare West Hartford, CT toy hauler insurance policies to determine the best policy for your specific needs. Give us a call today and talk to an experienced agent for more details. 

How Business Owners Reduce the Risk of Losing Everything

America is very litigious. Any small business owner knows that a lawsuit can come up at any moment. This is not a matter of if it will happen, but when it will happen.  Liability exposure from a major lawsuit could be in the many millions of dollars. Does that mean every commercial insurance policy must have a limit of multiple millions? No, not necessarily. 

What are the risks?

Workers’ compensation insurance generally limits the ability of employees to sue for on-the-job injuries. It also limits the ability of the surviving family members to sue an employer in the case of death. The worker’s compensation insurance pays those claims and not the employer. This protection works for most cases, except if the employer’s negligence was a contributing factor.

An example of extensive liability comes from an accident with a vehicle covered by commercial insurance. If people are killed in the accident, liability exposure may be very high. Product liability insurance has the same problem with no upper limit of the risk exposure.

Protecting Net Worth

The solution for most business owners is to protect their net worth and manage the risk of losing everything from a lawsuit by carrying umbrella insurance.  Talk this over with your agent at ALLConnecticut Insurance serving West Hartford, CT.

Umbrella insurance provides extended protection of underlying insurance policies. Once those underlying policy limits are reached if a covered claim exceeds these amounts then umbrella insurance provides additional coverage.

Most business owners have umbrella insurance that is at least equal to their net worth. 

For example, a business owner with a net worth of $6 million may want to carry commercial vehicle insurance with a $1 million liability limit and general liability with a $1 million limit and then have umbrella insurance with a $5 million limit. This would be the amount that could help protect the $6 million in net worth.

Summary

Every business owner’s situation is different so consult with your agent at ALLConnecticut Insurance in West Hartford, CT about how umbrella insurance can help protect you from losing everything.

Why You Need Insurance for Your Recreational Vehicle or 4-Wheeler

Owning a recreational vehicle is a lot of fun for the entire family and offers a great way to spend time together outdoors. While many people think that because they primarily use these vehicles on private property they do not require insurance but this is not always the case. In addition to legal requirements, there are a number of compelling reasons why a policy for your recreational vehicles is a smart idea. The ALLConnecticut Insurance team is here to help our friends and neighbors in the greater West Hartford, CT meet all of your insurance needs.

Why You Need Insurance for Your 4-Wheeler of ATV

Insurance is not just a legal obligation, it is also a protection from personal liability. If you are on your ATV and have a mishap the repairs for your vehicle as well as the cost of any medical expenses will fall to you. This is also true if a passenger or third party is injured. Dealing with an accident that injures you, your child, or one of their friends is stressful enough without the added complication of personal liability.  When you have an appropriate recreational vehicle insurance policy you will be protected in the event of a covered accident, theft, or vehicle damage. Don’t think that because you only use these vehicles on private land that you don’t need insurance! Our team is here to assist you in the process of learning more about the available options and determining which is right for your needs.

If you have a 4-wheeler or another recreational vehicle, it’s time to find out more about your insurance options. We welcome residents in the greater West Hartford, CT area to come and meet with the team at ALLConnecticut Insurance today!

How Commercial Insurance is a Great Business Investment

One dream that a lot of people share is to one day own their own business and become their own boss. For those that are in the West Hartford, CT area, this local economy provides many different amazing opportunities for small business owners. If you do own a business in this area, you need to make sure that you are protecting it as much as possible. One great way to do this is through a commercial insurance policy as it will protect your small business in several different ways and will prove to be a great investment.

Covers Your Assets

No matter what type of business you were in, there are bound to be a variety of assets that you need to purchase in order to get your business off the ground. It would be devastating if you were to lose any of these assets to a fire, theft, or any other situation that could cause a loss. Because of this, investing in a commercial insurance policy that has a property insurance company would be a great decision.

Liability Risk Mitigation

The risk of liability is significant for any type of business. Due to this, you need to make sure that you are mitigating against this risk as much as possible. When you get a commercial insurance policy with a liability component, you will have protection against this risk.

Commercial insurance is clearly a great investment for any small business owner. For those that are in the West Hartford, CT area, a great place to start getting insurance is through AllConnecticut Insurance. The team at AllConnecticut insurance is very familiar with all of the challenges that come with owning a business. They can help you develop a commercial insurance policy that will protect your organization as well as possible.

3 Things to Look for When Replacing Your Home’s Windows

In West Hartford, CT, the agents of ALLConnecticut Insurance offer to help homeowners find the right replacement windows for their next renovation project. The windows you have installed in your home are an investment. They can explain different features to look for as well as signs of quality workmanship and materials that will ensure your new windows last several years.

Energy Savings

New windows come with an energy rating that is designed to inform you of how much energy you can expect to save over their lifespan. The EPA develops the energy rating based on several different factors that determine how much energy can be saved when the windows are professionally installed and sealed properly.

UV Rating

The UV rating determines how much ultraviolet let can travel through the window glass. UV rays can fade carpet, increase the temperature inside the home, and cause furniture to become discolored. Reducing the number of UV rays that enter your home will protect both you and your possessions.

Quality Construction

It’s important to remember the quality of a window in terms of both workmanship and materials. Windows must be able to seal properly without any gaps, openings or leaks. Before purchasing any type of window, do your research to determine how well rated they are in terms of weather-proofing and preventing drafts.

At ALLConnecticut Insurance, our agents are always available to discuss your options when it comes to making improvements to your home. If you live in West Hartford, CT, call and schedule a meeting today. During the consultation, our agents will go over several things to look for when choosing your replacement windows and doors. Call us today.

Update Vehicle Insurance For Camper or Trailer Use

If you are thinking about towing a camper or something like a boat on a trailer, before you do this, call us to speak with your agent at ALLConnecticut Insurance, serving West Hartford, CT and the surrounding communities. You will want to have your agent conduct an insurance review and to make recommendations about adjusting any auto insurance coverage as needed to make sure you have adequate protection.

Insure the Vehicle

Towing something increases strain on a vehicle and requires paying careful attention to driving. The common phrase for an accident caused by towing something is when a driver experiences a “jack-knife.” This is when the trailer is moving in a direction toward the vehicle in a way that is out of control. In some cases, the weight of the trailer causes the vehicle to have an accident. Sudden braking can cause an accident from this dynamic.

Insure What is Being Towed

You will want to discuss with your insurance agent the coverage needed to protect the item being towed and any contents it may contain. Consider replacement coverage because that is superior to just have coverage for the actual value, which is usually much lower.

Emergency Road Assistance

If you are towing a camper for vacation purposes, it is a good idea to have road assistance coverage, rental car expense coverage while needed repairs are being made, and vacation insurance. With these extra options, the risks of having a vacation spoiled by trouble with the vehicle, camper, or the trailer are reduced.

Summary

It is fun to go camping or take the boat out to the nearest lake. Be sure to manage your insurance needs when doing this and then you can enjoy the trip while having peace of mind that adequate insurance is in place.

Contact your agent at ALLConnecticut Insurance in West Hartford, CT to get an auto insurance review and a quote for auto insurance that includes protection for anything you want to tow.

What Is Recreational Insurance?

You may associate the phrase with some kind of fun pastime or big-ticket trip. The truth is, this type of insurance, offered in West Hartford CT through ALLConnecticut Insurance, can give you peace of mind on a vacation – just not in the way you might think.

Recreational insurance covers campers, recreational vehicles, and all off-road vehicles beyond that.

Why You Need Recreational Insurance

Simply put, whether in West Hartford, CT or anywhere else, your RV must be insured in order for you to legally drive it. Upon registration at the Department of Motor Vehicles, you have to show proof of insurance along with other documentation certifying that the vehicle is yours to own and drive.

If you are caught driving your RV when it’s uninsured, you may be subject to a putative fine or even some jail time.

Why Not Include Your RV In Your Home Or Auto Policy?

It’s true: You can attach your recreational vehicle to your home or auto coverage. That being said, there are some negatives to insuring your RV that way.

For instance, if you include your camper in your home insurance policy, it’s not covered as long as you drive it onto the highway. in fact, your RV may not be eligible for coverage through your homeowner’s policy if you plan on driving it for interstate trips.

A policy specific to your Recreational vehicle can provide you with ample coverage for anything from accidents to driving across state lines. It’s not limited to a specific area unless that is what you request when customizing your policy.

Ready To Ride In Your RV?

If you’re ready to take that new camper on its first road trip, contact ALLConnecticut Insurance to get a quote for your recreational coverage. Without properly insuring your RV, you won’t be able to drive it out of West Hartford, CT, or even your own yard. So what are you waiting for? Purchase your recreational insurance policy today.

How Does Umbrella Insurance Protect a Connecticut Residnet?

Most people that are in the West Hartford, CT area likely have some personal liability insurance that is through their home or auto insurance policies. In some situations, this could be enough coverage for somebody. However, those that would like to have even more liability insurance should consider getting an umbrella insurance policy. One of these insurance policies can provide you with additional liability coverage a number of different ways.

Additional Coverage 

One of the benefits of getting in an umbrella insurance policy is that it will give you additional coverage. When you get a home or auto insurance policy, you will receive liability coverage up to the amount stated in the policy. There are situations in which this may not be enough coverage for you. If you are found liable in some more extreme situations, your umbrella insurance policy will go into effect.

Coverage for Other Situations

When you get this type of coverage, you also will get liability coverage for situations that may not be covered by your home or auto policy. An umbrella policy will give you coverage for a variety of different situations that may not be covered by your other liability insurance policies. This could prove to be very valuable in some situations that are not covered by your other policies.

If you are in the West Hartford, CT area and think that umbrella insurance could be a good option for you, you should reach out to the team at ALLConnecticut Insurance. The professionals at ALLConnecticut Insurance are very aware of all of the benefits that come with umbrella insurance and can get you into a great policy.