Why should someone get umbrella insurance in Connecticut?

Liability insurance is very beneficial as it ensures that you are covered in the event you are at fault in an accident. Most people will have some liability insurance through their auto and home insurance policies. However, it could make sense for someone in the West Hartford, CT area to try and get more. The best way to get additional liability coverage is through an umbrella insurance policy. There are several reasons why someone in Connecticut may want this insurance.

Gives More Coverage

One of the most common reasons why someone would want to get umbrella insurance is because it will give you more coverage. The coverage limits in your base liability insurance policies may be more than enough for most situations. However, there is always going to be a risk that an accident could come with more damages that exceed your policy. With an umbrella insurance policy, you will get the additional coverage that is needed. 

Covers Other Situations

The problem with home and auto insurance is that they are somewhat limited when it comes to situations that provide coverage for liability. With an umbrella insurance policy, you can get coverage that will protect you in a wide variety of other situations. This will ensure you are covered for virtually any situation that poses liability risk. 

When you are looking for umbrella insurance, it is important that you work with someone that you can trust. For those that are shopping for insurance in the West Hartford, CT area, contacting AllConnecticut Insurance is a great option. AllConnecticut Insurance can help anyone better understand their insurance needs and options. They will then be able to explain the benefits that come with umbrella insurance and help you to get into a great policy that gives you peace of mind and additional liability coverage. 

Identity Theft Protection for Your Employees: An Important Perk for Modern Workplaces

In a tight employment market, your benefits package could be the key to luring in the most valuable employees. In the modern age, identity theft protection is a big perk for your more financially savvy candidates. The agents at ALLConnecticut Insurance can add this coverage to the commercial insurance package for your West Hartford, CT area business as a voluntary benefit to your employees. How does this option make your open positions more attractive?

What is Identity Theft Insurance?

Identity theft insurance helps the beneficiary pay for costs associated with the unauthorized use of their personal details for financial transactions. Subscribers are eligible for reimbursements for things like:

  • Time off work to handle business related to the theft
  • Legal fees
  • Cost of repaying or satisfying fraudulent charges

Most policies also include identity theft monitoring services as well. These additions reduce the risk of your beneficiary falling victim to crimes in the first place. Credit monitoring alerts include:

  • New accounts opening
  • New public records
  • Negative entry to credit report
  • Suspicious activity on credit report

Getting these alerts gives the subscriber the chance to quickly respond to potential breaches. This can save them thousands of dollars in stolen funds, lost wages, and reduced credit opportunities.

Increase Your Employment Appeal with Voluntary Benefits

Like any insurance policy, these contracts have deductibles and limits. Higher wage earners may not be impressed by low-limit plans. Our agents can help you provide a variety of options to your employees. This voluntary coverage can help you catch the eye of higher-level applicants.

Identity theft is a real concern for most financially responsible people. Give your West Hartford, CT area employees the option to protect themselves with identity theft protection insurance from ALLConnecticut Insurance. Contact our agents to learn more about adding this coverage to your existing commercial insurance strategy.

When is Recreational Vehicle Insurance Needed

One dream that a lot of people share is to eventually take the time to enjoy all that the country has to offer. When going on any type of road trip, driving in your very own recreational vehicle can be both efficient and fun. Not only will you have a safe mode of transportation, but you also will have a comfortable place to sleep at night. If you do purchase a recreational vehicle, it is important to consider your insurance needs. There are many situations when a recreational vehicle insurance policy will be needed.

When Driving on Public Road

Once you take your recreational vehicle out onto a public road, you are going to need to have a recreational vehicle insurance policy. Those that have an RV in the West Hartford, CT area are going to be bound by the same liability insurance laws as a driver of any other type of vehicle. If you do not have this type of insurance, you could face penalization.

When Taking Out a Loan

If you used a loan to buy your recreational vehicle, the lender will likely require that you have an insurance policy on it. The lender is going to want to make sure that you have a full collision and comprehensive insurance policy. This ensures that their collateral is protected against virtually any type of accident or scenario that could cause a loss. 

Those that are in the West Hartford, CT area and want to get a recreational vehicle should contact ALLConnecticut Insurance to discuss their insurance needs. The team at ALLConnecticut Insurance could help anyone better evaluate their insurance needs and options. They can then help you get into a recreational vehicle insurance policy that will ensure you are in compliance with all insurance requirements.

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. 

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!

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. 

What is Recreational Vehicle Insurance?

Recreational vehicles, or RVs, are a fantastic vehicle to have and they can truly make any trip special. That being said, they do need special insurance that cannot be satisfied with your auto policy or your home policy. So what is recreational vehicle insurance, keep reading to find out. For those that live in the West Hartford, CT area, the agents with AllConnecticut Insurance can help you to find the policy that works for you.

Recreational vehicle insurance is somewhat of a hybrid between an auto policy and a home policy. it protects both the automobile components of your RV as well as the homier aspects like appliances and contents. This is an essential coverage as it will protect you if you are in an accident and will help you to rebuild or repair your RV after your accident is settled. This type of policy is necessary to make sure that your RV is protected in all aspects no matter what. If you do have an auto policy that you can add your RV to, you can do that as well as take out a policy that is geared specifically to your RV.

RV insurance is something that anyone that has an RV can benefit from, even if they do not get out and drive it much. Your insurance covers both issues that pop up while on the road as well as those that might occur while you are parked like fire or damage to appliances. An RV policy is going to give you the peace of mind knowing that your RV is protected and that even if something does happen, you are not going to have to shoulder all the responsibility of repairs or costs on your own. For those in the West Hartford, CT area, the agents with AllConnecticut Insurance can help.  

Golf Carts and Recreational Insurance

You wouldn’t think that a golf cart would need insurance, but you’ll need some form of coverage if you plan on driving one on the roads of West Hartford, CT. The state’s General Assembly passed a law in 2009 allowing golf carts on local streets where the speed limit is 25 mph or lower. All you need is to be a licensed driver and have your golf cart protected with some form of insurance coverage.

Golf carts and other low-speed vehicles (LSVs) have gained popularity in many communities and a few have even designed themselves around these vehicles. If you’ve already found recreational insurance coverage thanks to the experts at ALLConnecticut Insurance, you’re probably wondering if it can cover your golf cart.

Golf Cart Coverage Options

You can cover your golf cart with an endorsement to your homeowner’s insurance policy, but it’s only valid as long as you’re riding on your own property. Once you hit the city streets, you’ll need coverage that’ll protect you in case anything happens on the road. Unfortunately, most auto insurance policies don’t cover golf carts or other recreational vehicles, for that matter.

Recreational insurance can cover a wide variety of vehicles that normally wouldn’t be covered under your current auto or homeowner’s insurance policy, including ATVs, RV campers and yes, even your golf cart. By putting your golf cart under your recreational insurance policy, you’ll have the coverage needed to protect yourself and others in case the unexpected happens.

Some insurance providers even offer standalone golf cart insurance policies. It’s worth exploring one of these policies if you haven’t yet opted for recreational insurance.

If you can’t wait to ride around West Hartford, CT, get the right coverage from ALLConnecticut Insurance first. Contact us for all of your insurance needs.