Can I remove liability and collision coverage in West Hartford, CT, while my RV is in storage?

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If you own an RV in West Hartford, Connecticut and use this vehicle during the summer months, you will need full coverage including liability and collision while you are on the road. During the months that you do not use your recreational vehicle you can store the vehicle in a safe area. If you have room at your home site for your vehicle, you can store it there. Call your independent agent for all the details on a policy.

Many people wonder if they should pay the extra money on their recreational vehicle policy while it is just sitting unused. The vehicle sitting all winter can still become damaged. Weather can play a part in this kind of damage, unless the RV is stored inside a garage. There are still no guarantees that the vehicle will not become damaged.

Your vehicle should still carry a policy due to the risk for theft or vandalism of the vehicle while not being used. Theft and vandalism can also occur in the interior and to your personal possessions. Most storage companies do not carry insurance on any vehicle, and will tell their customers they must carry personal insurance.

Call your independent agent about insurance policy for your vehicle while it is not in use. Your company may cover the vehicle while in storage. You have the option of requesting a larger deductible amount while it is off the road. This will in turn lower your premium policy.

It is a wise idea to carry liability and collision coverage on your stored vehicle, in case of theft of the vehicle. Call your independent agent in West Hartford, Connecticut. An independent agent can help you sort out the details, for your Connecticut policy.

In West Hartford, CT, Do I need liability insurance if my business is incorporated?

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An incorporated business can protect owners from financial ruin in the face of bankruptcy or a lawsuit. However, simply incorporating your business may not be enough to protect your West Hartford business from all the risks. Commercial insurance with liability coverage reduces the gaps in protection that many Connecticut business owners face.

What is Liability Insurance?

Business liability insurance covers legal expenses and court fees if your business is sued. In today’s litigious society, businesses of nearly any size engage in activities that make them vulnerable to lawsuits. Liability insurance also expands to cover the actions of your employees so that you won’t suffer the fallout from a negligent employee.

Benefits of Liability Insurance

Though incorporating your business protects you, the owner, from having to use your personal assets to bail out your company, liability insurance serves as an added layer of protection that is necessary. If you are on the losing side of a lawsuit, then the status of your business can absolve you from any personal responsibilities. However, liability insurance is important because it protects your business from going under in face of a legal challenge. Liability insurance covers attorney fees and court costs so that you can increase your chances of surviving a lawsuit.

How an Independent Agent Can Help

An independent agent can help you add business liability insurance to your commercial insurance policy. We can help you obtain the right level of coverage so that your policy will cover the amount of money you will need to defend a lawsuit. We can help you determine what type of coverage suits your business and addresses the risks in your industry. Protecting your business from liability can’t wait, so contact us to speak with an independent agent today.

Will my commercial insurance policy cover me from interest, penalties or fines in West Hartford,CT?

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You can purchase a commercial insurance policy in West Hartford, Connecticut that will cover you and your business for many different contingencies, but one of the things it will not cover is any interest, penalties or fines you incur. A commercial insurance policy can be bought to protect a single auto or a fleet of vehicles.

Depending upon the type of coverage you purchase, it will pay for liability claims, damage to your vehicle and for such things as towing and car rental charges when your vehicle is being repaired. What it will not pay for is a fine for speeding or a penalty for driving with an expired driver’s license.

No commercial insurance company is going to pay for penalties or fines you receive because you broke Connecticut law or were negligent in your behavior. Business insurance does cover loss of income, but not loss of interest on the money you would have earned. You can not collect for what possibly could have happened, only on actual damages.

Think of it like you would in a liability case. Who would be liable if someone slips and falls on a spill in the aisle of a grocery store if a bottle of soda explodes and leaves a puddle on the floor? The grocery store would certainly have liability for not cleaning up the mess and you might have a case against the bottling plant if the bottle was not properly sealed. It would be hard to find fault with the driver of the truck who delivered the soda.

As an independent agent, we handle all types of commercial needs. If you are running a business in West Hartford and need to buy commercial insurance, give us a call. An independent agent can answer all of your questions and find you a policy that will protect you and your business.

In West Hartford, CT, Do I have coverage under my business insurance policy if I suffer a huge loss caused by Tornado/Fire/?

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A standard home policy in West Hartford, Connecticut will protect your home from damage to the structure from perils such as fire, golf-ball sized hail and even a tornado. Home liability covers you in case someone is injured or has their personal property destroyed while on your premises. The same is true when you buy business insurance. If you have a business, there are many different types of business insurance you might want or need to have.

For instance, you could buy a general business liability policy that protects you against liability claims from customers or others who may be injured while walking in your store or falling outside in your parking lot. You can buy commercial insurance that will compensate you for the loss of a key employee and one called errors and omissions if you run a service business like a law or accounting office. Other commercial insurance policies include general liability and product liability.

If you want protection against loss from a fire, hurricane or tornado, you need to have commercial property insurance. Property insurance is a broad category that covers everything from loss due to fire, smoke and hail storms to lost income computers and even money.

There are two distinct types of property insurance policies you can buy for your business. The first is an all-risk policy which covers all perils except those specifically excluded. The second is peril-specific, which only covers named perils. While the first type of coverage is broader and covers many different types of losses, a peril-specific property insurance policy covers a particular event like a fire, flood or tornado. Both types of policies are good, but if you are only concerned about fire and smoke damage, the specific policy is less expensive than the all-risk policy.

If you are trying to figure out what kind of business insurance you need, give us a shout and talk to an independent agent who can access your business and set you up with a policy that protects at a price you can afford.

Can someone, other than me in West Hartford, CT, make payments on my home insurance policy?

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You may wonder what you should do if the premium on your home insurance policy is due tomorrow and you are away from your West Hartford, Connecticut home and can not make the payment yourself. If it is inconvenient or impossible to access your funds to make payments on your home policy, you can have someone else make those payments. As long as the insurance company receives a payment for your account, they do not care who signed the check.

If you happen to get ill and wind up having to stay in the hospital for three or four months, worrying about paying your mortgage, home insurance or other bills, is probably the furthest thing on your mind. You may be too sick to handle such tasks or you may not have access to your money. It is perfectly okay to have someone else make payments on your home policy so you do not risk having the policy canceled. Of course, you should make sure to either give them access to your funds or pay them back when you recover and are out of the hospital.

When a judge slams down the gavel and sentences you to three years in a Connecticut prison that does not mean that you will lose your home. You can arrange to have your spouse, a family member or a trusted friend to handle your financial affairs while you are incarcerated. They can make the payments on your home insurance and mortgage so when you get out of jail, you still have a place to call home.

Whether you are away on a long European vacation, stationed overseas for military service or lying in a hospital bed, you can have someone else make your home insurance payments. Give us a call and an independent agent can suggest the best way to set up an arrangement for paying your premiums when you are not able to do on your own.

Are there any policy limits on my home insurance policy in West Hartford, CT?

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You as a homeowner have two values on your home. One is the value of the house, and the other is what is will cost for them to replace the house should it be totally destroyed by any number of means. According to many insurance companies across the United States and financial institutions holding home mortgages, the homeowner should consider the following and speak with an independent agent today in West Hartford, Connecticut regarding your expectations for your homeowner’s policy.

• The dwelling coverage

• Amount should be enough to rebuild your house

• Replacement cost could prove to be higher than the value of the house

• Standard coverage amount

• Increase amounts as needed

• Adding limits above the standard limits normally set

• Consider the deductible out of pocket amount

It is important that you read and review your homeowner’s policy and know what is in that policy. You do not way any surprises when you need to file a claim. Standard limits do not vary from one insurance company to another. The rates on various policies can vary. Policy limits are considered the maximum limits that your company will pay you for loss, injuries, damages, to your property.

If you want to go over the limits set by your insurance carrier, you will have to purchase an umbrella type of coverage that allows for a high limit dollar payout for damages and losses. To determine exactly how much your umbrella should cover, you will need to speak with your independent agent today in West Hartford, Connecticut. We can help you. It is important that you call us today so we can give you specific details for your circumstances.

Your independent agent in Connecticut can set you up with coverage that will help secure your house when the need arises.

In West Hartford, CT, Can I pay for my home insurance policy using someone else’s credit card?

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People who live in West Hartford, Connecticut rely on credit cards to pay for almost everything. They are no different than people in Miami, Denver or Dallas. Almost every Connecticut insurance provider will give you the option of using your credit card to make a payment or payments on your home insurance policy.

One of the reasons why you might want to use your credit card to pay your premium in full when you take out home insurance is that you may qualify for a discounted rate compared to spreading out your payments over the year through the finance company. Insurance companies may give as much as a 10 percent discount if you pay all at once.

If you do not have the money sitting in the bank, it might save you some money if you put the cost of your home insurance on your credit card and then pay the card off in a couple of month. Even though credit cards have high interest rates, you will come out ahead as long as you pay off the balance in a reasonable amount of time.

Naturally, it is nice to be able to save 10 percent on your premium, but what can you do if you do not have money in the bank or a credit card with enough available credit to cover the one-time payment. You can ask your spouse to use her credit card, or if you have a really close friend, ask them to pay the premium on their charge card. As long as you get permission from the person whose card you want to use, you can pay your insurance company with another person’s credit card.

Just be sure to pay that person back as soon as you can. Any interest or other charges that are billed to the person who lent you their card are also your responsibility to pay. While it may be okay to use someone else’s card, be very careful if you do. If you do not pay them back, you may get sued and will probably lose a good friend.

If money is tight and you are thinking about using someone else’s credit card, give us a call first. An independent agent may be able to get the terms of your financing agreement changed so you can afford the premium and not impose on a friend or family member.

Can I produce bills at the end of the year and claim on my home insurance policy for small repairs carried out in West Hartford, CT?

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Forget about that idea of yours that you thought of while you were sitting on your couch and eating some warmed up pizza in your West Hartford, Connecticut home. You can not go through all of your receipts for repairs you made over the year and use them to file a claim with your home insurance carrier.

You may have a lot of bills to pay and could use some extra money from your insurance company, but you can never collect for small repairs that are not due to a covered peril on your policy. If you read the terms of your home insurance policy, you will see, among other things that you have only a certain amount of time to report damage and file a claim. If, for instance, a windstorm blew off some tiles on your roof, and you ignored it for 10 months, you will be questioned as to why you did not report it back in January when it happened. Your home insurance policy requires you to report each individual incident as a separate claim.

Even if you have a bunch of legitimate small losses that are not just normal wear and tear or lack of maintenance, you can not combine incidents to make a bigger claim so it will be well above your deductible. Your kid may throw a baseball through your window and it may cost $300 to replace. Two months later, a limb may fall from a tree and put a big crack in your concrete patio. To get it patched up might cost you another $300.

We understand that money can be tight and that you do not want to pay for accidents or incidents that are covered by insurance. Give us a call and an independent agent might be able to get you a lower deductible so you can collect on smaller, individual claims that can occur throughout the year.

In West Harford, Connecticut, Can I Pay for My Car Insurance Policy by Installments Online?

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For many people, convenience is a big factor when it comes to auto insurance. You likely want the easiest way to make your payments and that is often doing so online. If you are in West Hartford, Connecticut, you may be in luck. Many companies provide this service, but before you sign up consider a few things.

Should you pay for your car insurance in installments? This means you would be able to take your annual or six-month plan and divide it into smaller payments, usually monthly. This is almost always something that the insurance company offers. However, many will charge a small fee for processing your payment so frequently. If this fee is minimal and it makes it easier for you to make on time payments to your insurance company, then it is worthwhile.

In addition to this, you may want to compare the features some companies provide. Not all will provide online access to making installment payments. Some will require you to set up installments that automatically withdraw from your bank account each month. This may be something you can manage on the company’s website. If you are able to access your account online, be sure to consider other features that may be available, such as access to claims, vehicle policy features, and even to add to your policy.

In today’s world, having the ability to make payments online is critical. If this matters to you, turn to our independent agent for help in finding a provider that will work with you. West Hartford, Connecticut companies do offer this type of auto policy to many consumers, but you may want to ensure it is available if you are purchasing a policy from a new company.

If I have an older car whose current market value is very low in West Hartford, Connecticut, Do I really need to purchase automobile insurance?

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You can not drive any automobile in the state of Connecticut without having auto insurance. Even if you have an old clunker that you use to get back and forth to work in West Hartford, you need to have automobile insurance.

Now, the type of coverage you must have to comply with the financial responsibility laws in Connecticut, is limited to liability coverage. The state requires you to carry bodily injury and property damage liability insurance in case you have an accident and are found to be responsible for causing injury or damage to another person or another person’s property.

Your old car, with a market value that is probably less than the monthly take-home pay of the average worker in West Hartford, Connecticut, is not required to have comprehensive and collision coverage. Comprehensive and collision auto insurance provides coverage for your vehicle, not for liability claims by other parties.

Many times it does not make sense to pay the extra premium to have full coverage on your 15 year old car that has a market value of maybe $1,000. Your car may be in perfect condition and very valuable to you, but it still is only worth a $1,000. If it costs you $200 extra to add collision and comprehensive to your auto insurance policy and you have a $500 deductible, you would be paying $200 to get up to a maximum of $500 of insurance. That is not too smart.

We often advise our clients to either avoid this coverage on vehicles with low market value or take out a policy with a very low deductible like $100 or $250. If you have an old car and are not sure what coverage you should have, give us a call. An independent agent will be happy to lay out the facts and recommend a good and affordable automobile policy for you.