In West Hartford, CT, Can I choose to buy insurance for only the building and not the contents?

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When it comes to an insurance policy for a home there are things that you can choose to have and there are things that you cannot change. For one thing the dwelling amount is set based on information provided by you to the agent. But there are some things that you do have a choice in what is on the policy when you buy it.

What You Can Have on a Policy and Things that are Preset

  • On your home insurance the personal contents part is a percentage of the dwelling amount. When it is set there is level that it cannot fall below. In some cases the amount can be raised.
  • You can enhance your policy by adding endorsements such as earthquake coverage and wind damage in order to protect your home better. Endorsements are provided to people that need to enhance their home policy in order to better protect themselves from financial disaster. If you need to have one on your policy, then contact your agent today.
  • The type of policy that can limit contents coverage is a landlord policy. This kind of policy in West Hartford, Connecticut is used by an owner of a rental property.
  • Another type of policy that you might be able to get and limit personal property is a basic fire policy. Here the property is only covered for basic perils such as fire.

Your home insurance building policy should be designed to protect your personal investments and your personal property. In the insurance world you do have options as to what you can protect. If you have questions about your policy, then you need to contact your independent agent today. We can help set you up with a policy that is right for your insurance needs.

Are Lost Wages Due to an Accident in West Hartford, CT Covered Under My Auto Insurance Policy?

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Being involved in a car accident can not only damage your vehicle and limit your transportation, but it may also limit your ability to work. Perhaps the accident left you injured and unable to return to work for a few days. You may have been dealing with a long-term absence, due to a significant injury. In other cases, the auto accident may have left you unable to work for an extended period of time, or perhaps even ever being able to work as you did. When this happens, insurance may be able to help.

Does Your Policy Provide This Coverage?

Not all types of auto insurance provides loss of wages as a type of coverage. The only way to know if the policy will do so is to read through the documentation. In many cases, a covered incident may provide some leverage for loss of wages payouts. However, there are many factors affecting this decision.

In West Hartford, Connecticut and the surrounding area, it is possible an accident (whether caused by you or someone else) may pay for the time you lost at work. If it does, the policy will state how much of your wages are considered covered, what length of time is required, and what limits are in place.

Not Covered?

If you do not have a car policy that provides this type of protection, it may be time to look for a new provider. Work with an independent agent like our team to help you to locate a new policy with the types of coverage you need, including lost wages for a covered vehicle accident. If you are unsure about your current policy, be sure to contact your carrier to find out the details. Then, if you are not covered under it, look for a new provider.

Does my boat insurance cover all the drivers in my household in West Hartford, CT?

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When a person first buys a boat their intention is to protect the craft from being damaged. So they take the time to research out which boat policy in West Hartford, Connecticut is right for them. Here are some things that you will want to think about when it comes time to but the policy for your boat.

What Your Boat Policy Offers By Way of Protection

  • Your boat policy is designed to protect your craft from being damaged in the event it is destroyed by a covered peril. For instance if the craft is damaged by hail, your policy will pay the money that it takes to fix it.
  • The policy will also cover the liability exposure if the craft is involved in an accident and another person is hurt. But the problem comes if the driver of the boat is not listed on the insurance policy. You will want to list any operator on the policy to avoid any question of coverage.
  • Like an auto policy all drivers in the household will need to be listed on the policy as possible operators of the craft. An insurance company will want to know about any possible risk exposure before issuing a policy.
  • Your boat policy acts much like an auto policy. It will cover any person that operates the boat as long as they are listed on the policy.

If there are any details that you need to know about with regards to your boat insurance policy, you need to call your independent agent today. As your agent we can provide you with the answers that you need to insure your boat the right way. Give us a call and let us tell you everything that you need to know about your boat insurance policy.

Can I insure my RV/Toy only during vacations in West Hartford, CT. As I never use them regularly?

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When you first get an insurance policy there are a number of things that you want to make sure is covered before paying for the policy. You will want to make sure that the liability amounts are set properly, your deductibles are what you can afford and even that all the other coverage limits are where they need to be. Here are a few things that you will want to consider about your RV insurance when it comes time to insure the vehicle in West Hartford, Connecticut.

Things You Will Want to Know Before Regularly Using Your Toy Insurance

  • When you are done taking your yearly vacations there is no need to keep the liability limits active during the storage months. You can suspend the liability limits on the policy and pay less during those months until you need to use it.
  • During the storage months you will want to keep the physical damage benefits active in case there is ever damage to the RV from a covered peril.
  • Your insurance premium is directly affected by how much coverage you have on the RV. When you suspend certain benefits you will not have to pay for those benefits until they are activated.
  • It is imperative to keep your benefits up-to-date by paying the premium when it is due. If the policy lapses you will not have any benefits to protect your RV.

RV insurance is never something that you should take lightly. The policy protects your investment by providing the finances you need to repair any damages. As your independent agent we can help you decide what kinds of benefits you need to keep on the RV during certain times of the year. Give us a call today and let us communicate to you what you need to know about RV insurance.

In West Hartford, CT, Can I insure contents of my home during the policy period?

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There are times that you add additional contents or personal property to your home during an insurance policy period in Connecticut. You want to be sure your new furniture, electronics or appliances are protected.

When you want to insure new items during your policy period, contact your independent agent to learn how to do this properly. Whether you’re home is in Hartford, West Hartford or anywhere else in Connecticut, your independent agent can give you multiple quotes on contents insurance with one online visit or phone call.

It’s not unusual for homeowners to acquire items during their policy term. You can typically use one of three methods to modify your insurance coverage during your policy period.

  • Add contents coverage during the term of your insurance policy.
  • Add riders to your package of protection, identifying specific items.
  • Increase the amount of your contents protection.

The bottom line: You want to be comfortable that your personal property protection amount is sufficient to replace all of your items should a covered loss occur. Getting multiple quotes from your independent agent will give you different coverage options for protecting the items in your home.

Your choices include the type of coverage you want.

  • Named hazards. Protects you for losses from specific hazards, excluding others not noted in your policy.
  • All perils coverage. Protects you from all hazards, except those excluded by your policy language.

In both cases, your independent agent can help you decide which is best for you. Additional contents coverage give you other choices.

  • Actual cash value. Restore, repair or replace items by deducting depreciation for your personal property’s value before paying a claim.
  • Replacement cost. Pays you to replace your contents with new property of the same kind and quality.

In all cases, contact your independent agent to get direction on how to add contents coverage during your policy period. You’ll protect your personal property from loss with premiums you can afford.

Do the Years I’ve Spent Driving a Company Car Count Towards My No Claims Bonus in West Hartford, CT?

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Insurance companies like to reward ‘good’ drivers. The reward often comes in the form of a discount on a car insurance policy. One of the most popular discounts offered to drivers is a no claims bonus.

A no claims bonus is a discount that is offered to policy holders that have not made any claims through an insurance company. Typically, the bonus is awarded based off of amount of time that an individual has driven a personal vehicle – 2 years, 5 years, or 6 years – without making any insurance claims, but the use of a company car may also count towards this insurance bonus.

Some car insurance providers allow individuals to use the amount of time they have safely driven a company car without making any claims. The insurance company will credit the individual driver with time as a safe driver if he or she has driven a company car, but only if proper proof can be provided.

Required proof and length of claim-free driving will vary depending upon the insurance company. Some insurance companies require an official letter from the employer that states how long the individual drove the auto, how many claims were filed, and even how many miles were driven.

Insurance companies will vary on the length of time an individual must spent driving a company car without a claim being filed to qualify for the no claims bonus. The length of time can vary from a single year of driving without any claims to five or six years.

We, your independent agent, can help you find insurance quotes that may take into consideration your time driving a company car in West Hartford, Connecticut. Contact us today to get more information on your specific insurance needs.

Who is my Point of Contact After Purchasing an Insurance in West Hartford, CT, Independent Agent/Insurer?

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When you purchase insurance in West Hartford, Connecticut with the help of an independent agent, you may wonder about your point of contact after the purchase goes through. You may worry about whether to contact the insurer with your questions or if your agent is a better source of information. Ultimately, the decision depends on the situation and the information that you need.

Working With an Agent

Purchasing coverage with the help of an agent means that the individual has taken time to find the right plan based on the needs you identify before you obtain coverage. An agent is able to answer your questions about the policy, exemptions, clauses or other concerns that arise based on the details of your plan.

Although an agent can give some information, you may discover that the agent does not have every answer that you need. In some cases, you may want to contact the insurer directly to determine the right course of action.

Talking to the Insurer

Your home insurance can seem complicated when you first start looking through the fine print of your policy. When you are not sure whether a specific situation falls under a clause or exemption, an agent can help. If you need to make a claim or you want to clarify the specific claims process of your insurance company, then your best point of contact is the insurer.

An agent can help you find the right plan for your needs, but may not always have every answer to your questions or concerns. The situation and the type of information that you need will ultimately dictate the best point of contact. To learn more about protecting your home, contact us to talk an agent today.

Ideas to Keep Commercial Insurance Costs under Control in West Hartford, CT

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Insurance is just one of many expenses that business owners must undertake, so it’s no wonder that many professionals inquire about ideas to keep their commercial insurance costs under control in West Hartford, Connecticut. Although some strategies apply to many businesses across the board, others are more closely dependant on the type of business and characteristics of its owner. So keep in mind that the most appropriate solutions for a particular business can best be discovered by consulting with an independent agent.

Many businesses that hold commercial insurance operate out of office, store, warehouse and other locations. We recommend that owners consider the risks associated with each of their Hartford business locations, preferably even before purchasing a particular location. If you own a store, you may be drawn to a historic building near Westmoor Park, but you may pay more to insure that historic building than you would for a new shop in Blue Black Square because older buildings can be at a higher risk for damages or need more complex and expensive maintenance over time. If you need an office where people can perform duties but aren’t expected to have in-person customer interactions, a building that is central and easy to get to is important but it probably isn’t worth paying a higher rate for a historic building just for its location. Perhaps a place near Flatbush Avenue would better fit your needs and your budget. The types of coverage that you are most likely to need also depend on your location and type of work. Some areas and business types have higher risks of theft, vandalism, fire, flood, and other perils. It’s not always clear to owners how insurance companies assign risk, but that’s where our independent agent can come in to provide the clarification that can help them save on their commercial insurance premiums.

What happens to my insurance in the process of buying and selling a house in West Hartford, CT?

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If you have ever bought a home or tried to sell one, then you know the challenges that you can face. One that you will have to decide about and answer is the issue of home insurance in West Hartford, Connecticut. To help you understand the process of insurance when buying and selling a home here is some information that you will need to know.

The Insurance Process When it Comes to Buying and Selling a Home

  • When selling your home you will need to keep a policy in force for as long as the home is in your name. Until the other party signs their name on the dotted line you are responsible for any damages that can occur.
  • When buying a home you will need to get a new policy in order to protect your new investment. The insurance will not take effect until you have full possession of the home after the final closing.
  • You will not be able to move one policy from one home to another. The house must have a completely new policy in place so it is protected for the right amount of coverage.
  • On the policy you cancel any unearned premiums that are left are usually refunded back to the policyholder. When this happens you will get a check in the mail several weeks after the cancelation date of the policy.

If you are thinking of buying or selling a home, you will want to contact your independent agent today. As your agent we can help guide you through the entire insurance process. It is vital that you speak with us right away. We can give you the tools you need to find the right policy for your new home.

Will independent agent in West Hartford, CT, help me to change the registration address on the auto policy?

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Can you help me get lower auto insurance rates for my car? As an independent agent, that is one of the most often asked questions that we are asked by clients looking to insure their vehicle. Of course we can help you get the most affordable Connecticut insurance rates on cars and other insurance products. We are also here to help you in many other ways.

For instance, an independent agent in West Hartford, Connecticut can help you change the registration address on your auto policy. Under Connecticut state law, you are required to notify your insurance carrier whenever there are any material changes that need to be made to your policy. If you want to add another driver or remove one, you can just call us and we will make the change for you.

If you move from one place to another in the state of Connecticut, that change of address must be reported. Part of the reason is that your insurance company needs to know how to contact you by mail and part of the reason is that a new registration address can affect the premium on your auto insurance policy.

You should not worry about having to change your vehicle registration address. It is no more complicated than notifying people who send you mail that you have moved to another address. If you are making monthly payments to your insurance company, they need to know where to send the next bill.

If you fail to notify them and do not pay your premium when it is due, your auto insurance could be canceled. As your independent agent, we will make sure you get the endorsement added to your policy that will change the registration address on your auto policy.