Life on the road in an RV can be a dream come true. But with great freedom and adventure comes great responsibility. Insurance for an RV is not a one-size-fits-all solution, and it is essential to understand the insurance needs based on the type of RV you own. Before you set out from West Hartford, CT. ALLConnecticut Insurance explores the different types of RVs and discusses the specific insurance needs for each type.

Motorhomes

Motorhomes are the most popular type of RV, and they can range from Class A to Class B (camper vans) to Class C, depending on their size. Motorhomes require insurance that covers both the vehicle and the personal belongings inside. The primary coverage options include collision, liability, and comprehensive coverage.

Travel Trailers

Travel Trailers are towable vehicles that attach to the back of a truck or SUV. They are usually less expensive than motorhomes and require different types of insurance. Travel Trailer insurance is designed to cover the vehicle and the add-ons and furnishings inside the trailer. This type of insurance typically includes liability coverage in case of an accident, comprehensive coverage for theft, vandalism, or damage caused by weather, and collision coverage.

Fifth Wheels

Fifth Wheels are similar to travel trailers but are larger, more luxurious, and can carry more weight. They are towable and require separate insurance but may offer additional towing protection. They also need coverage for the personal property inside, liability, and comprehensive and collision coverage.

The specific insurance needs for your RV depend on your usage, the value, and the type of RV you own. It is important to know that RV insurance is not always the same as auto insurance; contact ALLConnecticut Insurance in West Hartford, CT, for all your questions.

Life is unextecting at times. It only takes one serious mishap – and the lawsuit that follows – to put you and your family at risk. However, an umbrella insurance policy helps you protect the things that matter most. At ALLConnecticut Insurance Brokers, our insurance professionals can help enhance your protection using a simple but effective umbrella insurance policy.

What is an Umbrella Insurance Policy?

Umbrella insurance is a specific type of add-on policy. It is designed to offer additional liability coverage that exceeds the limits of your existing insurance policy coverage or is not covered by the current policy. For example, it may cover a boat rental, etc.

The Ins and Outs of Umbrella Insurance?

The amount covered by the umbrella policy will vary – typically ranging from $1 to $5 million. The amount of coverage should depend on the value of your assets.

• Your car or homeowners insurance policy will always be your first line of defense.

For example, you are liable for a car accident in the amount of $2 million. While your auto insurance policy covers the first $500,000, the umbrella policy kicks in to cover the remaining $1.5 million. The incident in question must be covered under the purchased insurance coverage.

• Umbrella insurance covers various liabilities –
  • Property Damage
  • Bodily Injury
  • Personal Injury, etc.
• One umbrella policy will usually offer coverage for each family member who resides in your household.  

The Bottom Line

Essentially, an umbrella insurance policy provides excess liability coverage for current policies. You’ll need coverage if you’re at fault for a serious event/incident.

For additional information about a West Hartford, CT umbrella insurance policy, contact the insurance professionals at ALLConnecticut Insurance Brokers at 860-232-7076.

ATVs are popular recreational vehicles enjoyed in summer across rugged terrain and are popular as snowmobiles. Designed for recreation, the laws surrounding ATVs are tailored for private and public land use. Having an ATV on your own property will only subject you to simple legal rules and liability insurance. If you plan to enjoy your ATV offroad, on snow trails, or on public lands, you’ll need to follow these guidelines.

ATVs must be Registered in Connecticut.

State law in Connecticut requires that ATVs be registered for use on state roads and land. To be clear, this registration does not necessarily mean your ATV will be "street legal," as ATVs are not typically always to comply with minimum speeds for interstates and busy highways, in addition to other safety concerns. Instead, owners will need to legally register their vehicles and ensure they follow the additional environmental laws associated with the state. Recreational vehicles are subject to minimum insurance requirements similar to any other vehicle, but many owners also favor added policies to protect against theft or damage.

ATVs and Age

ATVs are legally allowed to be driven by minors under 18, as young as 12, in the state of Connecticut. If minors use your ATV, there are additional restrictions. Operators under the age of 18 are required to take a safety course and obtain a certificate of operation. Operators between 12 and 16 must also have the supervision of an adult over 18 while driving.

While ATVs can be an amazing form of recreation, the regulations can be complicated. Contact ALLConnecticut Insurance to find out more about ATV insurance laws and liability. Request a quote today!

You can add your RV to your auto policy, but if you live in it full-time, that might not net you the coverage you need for your home. Find out the difference between part-time and full-time RV living and make an appointment with an agent at ALLConnecticut Insurance in West Hartford, CT to determine the best insurance options for your sometimes or all-the-time home on wheels. 

How the Insurance Company Looks at Your RV

Of course, every RV policy is unique, but there are two general categories used by most insurers based on how long you spend in your RV. Do you spend months on the road and then come home to your primary residence? Maybe you live in your RV year-round, making it your sticks and bricks home. 

What Is Full-Time RV Living?

Generally, if you live in your recreational vehicle for more than 150 nights per year, you’re a full-time RVer with unique needs compared to part-time RV enthusiasts. Either you have another home but spend 150+ nights in your recreational vehicle, or you don’t own a conventional home and spend the whole year in your RV. 

What Is Part-Time RV Living?

Even if you spend months in your RV, you don’t need the same coverage as full-time RVers. As a part-time RV owner, you always have another house to go home to. You don’t have all your possessions tied up in the vehicle. On the other hand, if you have no permanent address and live in your recreational vehicle, you’re likely to want more coverage. 

Driving around the country full-time puts you at greater risk of an accident or other perils. So, you’ll want to choose policy options that give you the confidence you need to enjoy the road.

Contact ALLConnecticut Insurance in West Hartford, CT to discuss your RV insurance needs today!

Do you live in the West Hartford, CT area?

Do you have assets that need to be protected? ALLConnecticut Insurance can provide liability insurance coverage necessary to protect your assets.

An umbrella policy increases liability limits beyond your homeowners and auto insurance policies. The costs of a lawsuit, legal fees, and medical expenses can deplete your savings quickly. An umbrella policy can offer millions of dollars of liability coverage for only hundreds of dollars in premium costs.

Typically, you can add $1 million worth of extra coverage for about $150 to $350 per year. A good, experienced insurance agent can explain how much coverage your financial situation requires.

Anyone could be sued if a visitor is hurt while visiting their home. But the risk gets higher if you have a swimming pool, where anyone can have a life-altering neck or head injury or possibly drown. A tragic scenario can severely impact the homeowner’s current and future financial situation.

The medical payments coverage under your homeowner’s insurance policy will pay some medical costs. Still, the liability coverage an umbrella policy provides can help with more costly long-term care needs.

Like a swimming pool, a trampoline is considered a nuisance attractive to others. It can tempt those to use it without the owner’s permission. Some insurers forbid them entirely and could cancel your homeowner’s policy if you have one. But some can charge a "nuisance surcharge" or require a locked fence to enclose it.

To protect your current and future income, umbrella insurance will provide the liability coverage necessary to absorb the expenses related to a lawsuit in the event of an accident. Contact ALLConnecticut Insurance today for a quote.

Are you looking for the right recreational insurance plan in West Hartford, CT?

Recreational insurance is essential whether you are an avid camper or a weekend warrior. With the right coverage from ALLConnecticut Insurance, you can have peace of mind knowing that your recreational adventures are covered.

Motorcycles and ATVs

If you enjoy taking your motorcycle or ATV out on the open road, recreational insurance should be at the top of your list. Motorcycle and ATV policies cover damage to your bike or ATV and liability protection in case someone else is injured while riding with you. And don’t forget about all those accessories and gear—your policy will cover those too!

Boats and Personal Watercrafts

Whether it’s a sailboat, fishing boat, or personal watercraft like a Jet Ski, recreational insurance will help protect your vessel from damage caused by theft, fire, weather conditions, accidents, and more. Your policy also includes liability coverage if someone gets hurt while using your boat or watercraft. Plus, it will cover other items such as anchors, fishing equipment, and electronic navigation systems that may be on board your craft.

RVs and Trailers

Recreational insurance provides coverage for RVs for camping and long-distance road trips. It offers protection against unexpected events, such as fires or accidents, that can occur during travel. It also provides coverage for personal items inside the RV, such as electronics and furniture, in case they get damaged or stolen while you’re on the road. 

When choosing a recreational vehicle policy, consider what type of vehicle(s) you want to insure and how much protection you need. Contact ALLConnecticut Insurance today to discuss your options for protecting yourself on all outdoor adventures with recreational insurance coverage!