Common RV Myths

RV ownership offers a lifestyle many people dream of living in West Hartford, CT. Not only are you able to go out on the open road traveling, but you can also do so in the comfort of your own home away from home. However, there are several common myths about RVs, and many of those myths are listed below. 

After reading these myths, give us a call at ALLConnecticut Insurance to learn how to protect your RV while out on the open road. 

Myth: Buying used generators with very few hours is a good investment.

Truth: A generator must be used to help keep it running smoothly. If a generator is not used for prolonged periods, the gas starts to gum and varnish the fuel system. It is best to purchase a new generator from a reputable RV parts dealer. 

Myth: RVs get terrible gas mileage.

Truth: This myth is semi-false because RVs are not fuel-efficient, but they get much better gas mileage than most people think. With new advancements, RVs are getting better gas mileage and offering more fuel-efficient options. 

Myth: I need a special incense to drive an RV.

Truth: You do not need a special license to drive a standard RV. However, those purchasing larger RV models may require a special license depending on the size and weight of the unit. 

Myth: I do not need to store my RV during the winter months.

Truth: RVs not used in the winter should be stored appropriately. If the RV is exposed to the elements, long-term can cause damage to the RV. 

Having an RV in West Hartford, CT means you can get out and go on the road with many of your comforts of home. When you are ready to hit the road, give us a call at ALLConnecticut Insurance for additional information on how to protect you and your motorhome. 

Required Commercial Insurance in Connecticut

For businesses in Connecticut, there are two types of commercial insurance that are required for most businesses. There are also many types of commercial insurance that can help protect a business, but they are not required. If you want to know more about commercial insurance policies, call us at ALLConnecticut Insurance in West Hartford, CT.

Workers’ Compensation Coverage

If a Connecticut business has employees of any type, the business must keep workers’ compensation insurance. This is true whether the employees are seasonal, part-time or full-time. The only exception for this mandate is for domestic workers who work in the house for 25 hours a week or less. This insurance pays for the medical bills of employees who get sick or are injured in the workplace. With this insurance coverage, your business is protected against lawsuits from employees who become injured. 

Commercial Auto Coverage

Another required commercial policy is a commercial auto policy. This insurance is required for all vehicles that are owned by a Connecticut business. There are specific requirements for this policy to contain certain minimums for bodily injury liability, property damage liability, and uninsured motorist coverage. If you have a vehicle that is often used for work but is not owned by the company, that vehicle’s personal insurance policy may not payout due to the business usage. For those vehicles, it’s recommended that you get a hired and non-owned policy. This policy isn’t required by law, but it is highly recommended. 

Commercial Insurance Policies

If your business needs commercial insurance, contact us today at ALLConnecticut Insurance in West Hartford, CT to talk to an agent about the policies required for your business as well as those that are highly recommended. 

What Does Auto Insurance Cover?

The laws regarding Connecticut insurance require liability of $25,000, per accident, as coverage for each person involved. 

What is liability insurance in the state of Connecticut? Liability insurance is the minimum coverage required by law. It envelopes the injuries and property of another person due to negligence while driving. This coverage normally covers each person involved in an accident a minimum of $25,000.  The entire accident is covered with $50,000. Allowing $25,000 for injury to the person and $25,000 for property damage.  Although these are the minimum requirements, higher coverage is advisable. 

Another type of insurance coverage you will need for your car is uninsured/underinsured coverage. This protects you and the people you live with if injured in an accident an uninsured motorist caused. Then there is a conversion coverage for an underinsured motorist. It is a reimbursement to you,  should the driver at fault not have enough coverage for damages incurred. 

Any questions regarding insurance coverage in the West Hartford, CT area can be answered by a professional agent from AllConnecticut Insurance. 

There is sometimes a lot of confusion between collision and comprehensive coverage. When you purchase collision insurance, it refers to your car rolling over, colliding with an object or another vehicle. This insurance requires some form of deductible you must pay before the insurance pays the balance. Comprehensive coverage is when your car is damaged for reasons in addition to another vehicle collision. It can be due to theft, hitting an animal, glass breakage, or a natural disaster.  

If you are seeking liability, collision, comprehensive, or some other auto insurance, contact the professionals at AllConnecticut Insurance. We can help you if you live in West Hartford, CT or the surrounding areas.

Types of Home Insurance Needed for Multi-Family Properties in Connecticut

When you are managing a multi-family property in West Hartford, CT, you will need more coverage than your standard home insurance. At ALLConnecticut Insurance, we know that every multi-family property is different. We can help you to get the coverage that you need to protect your property from every risk.

Liability Insurance

Liability insurance protects you from injury claims or third-party damage to property. This type of home insurance will cover you from slip and fall lawsuits or claims. If a tenant hurts themselves or experiences a problem that could have been prevented by you, you could be sued or asked to cover the damages. 

Those damages could add up, and might include medical costs, legal fees, and lost wages.

Property Insurance

Property insurance on a multi-family home is much like property insurance on your home insurance, with more coverage. You might also get extended coverages depending on the structure of the home, and its specific needs.

A home with several apartments in it that is 100 years old for example may need more home insurance than one that was just built.

If you have multiple buildings or structures on your property, you will probably need different coverage for all of them. You can get whole property coverage however that will cover everything.

Commercial Insurance

You may have families living in your building or home that are not paying rent, but very often they are. This means running a multi-family property is often a commercial business. In addition to your property and liability business home insurance, you will need commercial insurance to protect every facet of this enterprise. That includes your business income, losses in the event of a crisis, and even your payroll.

Additional coverage you may consider after you purchase these insurance policies for your business might be umbrella coverage. This is the coverage that will make sure that you are covered for any additional crisis beyond what these policies will cover.

Get a Quote

If you are seeking commercial or home insurance on a multi-family property in West Hartford, CT, we know that your home insurance needs are complex. Call ALLConnecticut Insurance for a quote on home insurance for multi-family properties.

What Is Umbrella Insurance Coverage?

Lawsuits that you may lose may leave your finances unscathed if your insurance cover can take care of them. Sometimes, the lost lawsuits may make you lose lots of money when the cost is higher than what your insurance company can cover. If the excess amount is too high, you may end up losing all your savings, assets, and property. For such circumstances, the umbrella insurance coverage got designed to safeguard you from losing all your valuables. 

What’s Umbrella Insurance?

Umbrella insurance covers are a type of personal liability coverage with the ability to help you protect yourself from losing finances when you may be found liable for claims larger than what your automobile or homeowner insurance can cover. Umbrella covers are unique because they pick up from where your other covers set their cap in covering liability. These covers may also take care of some claims that other policies can’t cover, such as false imprisonment, slander, and libel.

Why Do You Need an Umbrella Insurance Cover?

Umbrella covers are often ideal when your assets’ total value is higher than the limit of your homeowner and auto insurance covers. The essence of the idea is to get enough liability insurance that fully caters to claims to protect you from losing your assets in any lawsuit.

What the Cost of an Umbrella Insurance Cover?

The cost of umbrella covers depends on the amount of coverage you intend to buy and your choice’s insurance firm. For instance, the premiums set by the ALLConnecticut Insurance company in West Hartford, CT, may differ from those set by other insurance companies in other states. Your location and the number of assets that you intend to cover may also influence the premium levels.

If you are in West Hartford, CT, the ALLConnecticut Insurance company may offer you all the advice you need and some of the best plans in this area. Contact us for more information.

What residents of West Hartford, CT needs to know about recreational insurance

Recreational vehicle ownership in Connecticut is becoming popular and showing tremendous growth. Exploring roadways with a perfect home with wheels is a dream for many West Hartford, CT residents. West Hartford, CT is your ultimate home on wheels; thus, it requires splendid insurance coverage. It is therefore crucial as an RV owner to find a salient policy for your needs. Acquiring a spectacular insurance policy can safeguard your travel trailer, house trailer, including your camper. 

If you decide to procure an RV this summer, it’s paramount to understand the type of recreational insurance you need. To make a viable decision regardless of whether you are in West Hartford, CT, or anywhere, your RV requires to be a solidified protection for you to drive it legally. Contact our agents at ALLConnecticut Insurance offices situated in West Hartford, CT, and learn about your recreational policy options and get your quote.

RV insurance is mandatory in most states, but it is vital to purchase more than the state-mandated minimum to make sure you have adequate coverage for all your valuables. Are you a West Hartford, CT resident planning to initiate a vacation by using a motor home? Go ahead and plan your vacation and let ALLConnecticut Insurance conduct the hard work for you. Connect with us today and get a spectacular customized quote for your RV insurance coverage.

Types of recreational coverages.

Bodily injury liability coverage: It takes care of costs to bodily injury after an accident, and you are deemed responsible. It also pays for medical expenses to other people and their loss of income up to your policy limit.

 Damage to property liability coverage: It pays for damages to someone’s property or vehicle after getting involved in an accident that you are responsible for.

Medical payments coverage: This type of coverage helps pay the cost of medical bills for you, passengers, and family members boarding your RV after an accident regardless of who is deemed at fault.

Comprehensive coverage: It safeguards your RV against any imminent loss devoid of collision. The cushioned losses may emanate from theft, fire, and animal contacts.

Collision coverage: It pays for damages to your motor home if you engage in a collision with another automobile, tree, building, or boulder.

Get a quote from us today!

Are you an owner of a travel trailer or a camper in West Hartford, CT seeking affordable and splendid RV insurance coverage? Call or visit us at ALLConnecticut Insurance offices for more information.

Recreational Vehicle Insurance – Why You Need This Type of Insurance

Recreational vehicles are capturing people’s imagination in West Hartford, CT, and the country at large. They are the best bet in enjoying the country’s vast geographic features that one cannot get in any other part of the world. However, if you have an RV, it is necessary to have the required insurance from ALLConnecticut Insurance as it offers some benefits discussed below.

Content Coverage

RVs have contents that are expected to be used by the person leasing the vehicle on their vacation. You might come with your content as well, and you need to have everything in the car covered against damages or theft. You can get contents coverage from an insurance agency that offers RV coverage.

Uninsured Motorist Coverage

You don’t know what is likely to happen on the road. There is a chance that you will be involved in a hit and run or collide with a car that does not have insurance. With uninsured motorist coverage, everything will be catered for by your insurance company, thereby helping you to save money.

Liability Coverage

As a policyholder, you don’t want to cover the liabilities involving your vehicle. Therefore, RV insurance helps in covering this area without incurring any additional expenses. Property damages and bodily damages will all be covered by your insurance provider.

Comprehensive Coverage

Sometimes you might be involved in extreme situations such as earthquakes, floods, fires, riots, and even theft. These are possible situations as you might get caught up in the forest’s deepest part, where it is hard to get any assistance. Having comprehensive insurance helps you to cover these unseen challenges.

Work With Experts

As you look for the best recreational vehicle insurance policy in West Hartford, CT, it is important to work with experts for your next summer vacation. ALLConnecticut Insurance is the ultimate destination for anything RV insurance. See Our website for additional information. 

Why Connecticut Business Owners Should Add Cyber Coverage To Their Commercial Insurance Policies

ALLConnecticut Insurance offers insurance policies to the West Hartford, CT community. We strive to help our clients find the coverage they need to protect what matters most. Our foundation was built on providing excellent customer service.

Why You Need To Add Cyber Coverage To Your Commercial Insurance Policy

Thriving businesses are the backbone of the West Hartford, CT community. As a small business owner, commercial insurance can help you keep your investment on the right track. The policy covers any damage to your businesses’ physical property, as well as your inventory. You are also covered if your inventory is stolen. Liability coverage protects you if one of your customers suffers an injury on your property or through trying one of your products. In today’s current technological landscape, hackers pose more of a threat than ever before. That’s why you should consider adding cyber insurance coverage to your commercial insurance policy.

Like most modern businesses, you probably use computers to help manage electronic data. If your system suffers a breach that could be damaging to your entire business, your customers and employees could potentially be impacted. Cyber insurance coverage protects your business against the threat of a cyberattack. The policy covers your business if you have to replace or restore your system due to a virus.

You are also covered if you have to cease operations for a period of time while your program is being rebuilt. Cyber coverage also protects your business if one of your customers pursues litigation against you for their information being compromised in the cyberattack.

ALLConnecticut Insurance Will Help You Take Care Of What Matters Most

Visit our website today to learn more information about commercial insurance.

What Airbnb Hosts Should Know About Home Insurance

The most important thing that you need to know if you are an Airbnb host in West Hartford, CT: Talk to your insurer before you do anything.

Different providers will have different rules for homeowners using their home for temporary rentals, different policies will have different guidelines. You won’t know what you are and are not allowed to do until you talk with your insurer.

Most insurers will have some limited protection for you if you rent your home out to temporary guests. But some may have no protection at all, or may even drop your coverage if they find out that you have been renting the home out without letting them know. So make sure that you call your insurer and let them know what you’re doing, and they’ll tell you how to proceed from there.

Is Airbnb’s Host Guarantee Enough Protection?

If you rent your place out through Airbnb, they do provide their own "Host Guarantee." This provides up to $1,000,000 for losses suffered by the host as a result of renting the place out. They also offer Host Protection Insurance, covering up to $1,000,000 in liability damages.

These policies are mostly there to protect their own business by proxy. If guests are getting hurt in hosts’ homes and Airbnb isn’t doing anything about it, then AirBnB loses stock.

These protections can be a big help, but they’re no substitute for conventional home insurance, even if you use your home exclusively as a rental property.

If you want to make sure that your West Hartford, CT home is covered, get in touch with Connecticut Insurance and let them know that you will be using your home as a rental property. ALLConnecticut Insurance can get you covered no matter your needs.

Required Auto Insurance in Connecticut

In Connecticut, as in other states, the state mandates how much auto insurance you have to have. These are required minimums only, however, and many people choose to increase the amount of coverage they have so that it is more in line with what medical bills and property damage actually cost after an accident. If you need auto insurance, call us at ALLConnecticut Insurance in West Hartford, CT to find out more.

Liability Coverage

When you have an accident that is your fault, there are many expenses that you may be liable for. This is where liability coverage comes in. The state of Connecticut requires three different amounts of coverage to keep your vehicle legally insured. There is one specific amount for one person’s bodily injury from an accident and another, higher specific amount for everyone who was injured in an accident. There is also a specific amount set for the property damage liability from an accident. 

Uninsured Motorists

If you were to have an accident with someone who is uninsured, or with someone who has insurance but not enough of it, this type of required insurance coverage can help you. It pays for bodily injury when the accident is the fault of someone who is uninsured or underinsured. This coverage comes with a set minimum amount for one person’s bodily injury, and a larger amount is set for all of the bodily injury from the accident. 

Talk to an Insurance Agent

If you need auto insurance, or you want to increase your coverage, call us at ALLConnecticut Insurance in West Hartford, CT to make an appointment to talk to an agent about the auto coverage you need.