Are there Insurance Companies that Specialize Policies for Older Homes in West Hartford, CT?

Posted on by AgentInsure

Are you someone who loves historical artifacts? Do you have the pleasure of living in an older home in West Hartford, Connecticut, complete with all of the history, style, and ambience of bygone days? If so, you might be worried about finding affordable homeowners insurance for your treasure, but there are insurance companies that specialize in policies for older homes.

Your home’s unique insurance needs

You may need a specialized insurance policy because your home has unique insurance needs. Homeowner’s insurance is meant to cover you in the event of a disaster that would require repair or replacement of your existing home. The right insurance policy would restore you to your previous living conditions, but this is more difficult when you have an older home. Why? Simply put, your home was built with materials and with care and craftsmanship that today’s homes aren’t.

Take a look around your older home. Those solid oak wood flooring planks or beautifully carved baseboards are things of the past. They aren’t done in most of today’s homes. Therefore, you need an insurance policy that’s going to restore your solid oak flooring and your beautifully carved baseboards to as close to "original condition" as possible if disaster should strike. That won’t happen with an insurance policy for a modern home. In order to re-create the beauty of your home with materials that are as closely matched as possible to those used decades or even a century or more ago, you need a specialized policy.

Other things to consider

  • There may be special provisions with your older home

Your insurance company may only be willing to insure your older home with restrictions if, for example, your home uses outdated electrical fixtures or other utility features that could be a fire risk. For example, if your home’s plumbing, wiring, heating, or electrical systems have not been updated to meet current codes, your insurance company may offer to write your policy – but will exclude coverage for any damage done as a result of these outdated systems’ malfunction. So, for example, if there’s a fire and it started because of faulty wiring, your policy may not cover the damage done by that fire. Your independent agent can explain more about this when you ask about your policy.

What Are the Benefits of Having Workers Compensation Insurance in West Hartford, Connecticut?

Posted on by AgentInsure

As a business owner in West Hartford, Connecticut, you have many assets to protect to keep your company prospering, and for many companies, commercial auto insurance is a vital component in protecting the business.

Your independent agent will confirm for you the various benefits of obtaining commercial auto insurance. For one, your insurance company will specialize in commercial vehicle coverage, and will have specialists on hand to help you decide the proper level of coverage. This will save you money upfront as well as over the entire period you keep each vehicle in your company’s fleet.

If something goes wrong with your vehicle, commercial insurance companies typically can provide independent inspection services to give you the peace of mind that the repairs are done properly.

The insurer may also offer you access to its network of approved mechanics and repair shops, which have workers who are experienced in dealing with the wear and tear that commercial vehicles are subject to. They also understand the importance of getting your vehicle up and running again as soon as possible, so your workers can get back to business with minimal delay.

Another benefit of commercial auto insurance in Connecticut is the ability to extend coverage to hired and non-owned auto liability. You’ll be able let your employees use their personal cars to conduct company business, while making sure they are covered as if they were driving the company car. This flexibility is essential for companies that need to maximize their resources. If no fleet cars are available, your employees can still get their jobs done under this coverage.

A final thought: Depending on the type of business you run and the insurance company you use for coverage, you may be eligible for occupational discounts, which can only help to improve your bottom line.

New Connecticut Home Buyers: What You Need to Know About Homeowners Insurance

Posted on by AgentInsure

Connecticut residents who are purchasing their first homes should not overlook the need to obtain homeowners insurance. To select the best coverage for their new places, they need to consider the amount of coverage required and be aware of what is covered as there may be exclusions that need to be addressed.

Homeowners’ coverage varies between providers and policies. How much coverage homeowners needs depends on a variety of factors. If they have a mortgage, then their mortgage lender can require them to have hazard coverage that covers the entire amount of the house in case of destruction. This coverage can protect both the lender and homeowner against loss. If homeowners’ coverage is not dictated by their lenders, it is up to each homeowner to decide how much coverage they want, taking into consideration the amount of loss they could afford.

Homes can be damaged or destroyed by vandalism, fire, storms and many other means. However, homeowner insurance policies may exclude certain events from their coverage. In this case, it’s up to homeowners to recognize gaps and get additional coverage as needed. If a homeowner’s policy excludes flooding for instance, he should consider whether or not his particular Connecticut location is at risk for flooding and purchase flood coverage if it is. Although hazard coverage plus supplemental coverage for specific perils can cover the cost of a home, the package may only cover the building itself and not property or persons. Homeowners may want to add personal property coverage to include the home’s contents and personal liability coverage to protect the homeowner financially in case anyone gets injured on their property.

New Connecticut home buyers should take homeowners insurance and its coverage into consideration as they make the decision to buy a new home. An independent insurance agent can help streamline the process of discovering, evaluating, and purchasing insurance packages.

Am I Able to Switch Insurance Agents and Keep the Same Carrier in West Hartford, Connecticut?

Posted on by AgentInsure

If you live in West Hartford, Connecticut and you love your insurance carrier but you don’t like your agent, not to worry. You can safely switch agents without having to drop your company, too.

Why should you change agents WITHOUT changing the insurance company you use?

You may like the coverage you get, because your premiums aren’t overly high, you get a lot of coverage for the premium price, the deductible is reasonable, and so forth. If that’s true, you probably don’t want to switch insurance companies – and you don’t have to. You can stay with the same one.

Why should you switch agents?

  • He she is simply a wrong fit

Sometimes, you may have a personality clash with the agent you’re first assigned to. You just need another agent that is a better fit for you.

  • He or she discourages you from filing claims for significant losses

The purpose of insurance is to protect you in the event of loss; it’s true that it’s not always wise to file claims for very small losses, since doing so could drive up your premiums unnecessariliy. However, If your insurance agent is discouraging you from filing a claim for a significant loss, such as flooding in the kitchen that damaged flooring, appliances, furniture, etc., and they’ll need replacement (in addition to mold reparation if necessary), you need to find another agent.

He or she is simply not knowledgeable

If your agent can’t sit down with you and discuss your needs and current situation and come up with the perfect policy for you – without unnecessary coverage that you don’t need, or missing coverage that you do need – you should find another agent. Call your insurance company, give them your policy number, and ask to be assigned to another agent. That agent will carefully look over your policy and recommend changes as needed.

Where can I Find Good Insurance for My Four Wheeler in West Hartford, CT?

Posted on by AgentInsure

A number of companies offer insurance for a four wheeler. While it isn’t difficult to find good insurance for your vehicle, you will want to shop around for the best coverage and premiums – as many owners in the West Hartford, Connecticut area have realized.

Prior to purchasing a policy for your four wheeler, you will want to identify your needs. For instance, the frequency of use and the drivers could play a role in needed coverage. From property damage, collision, bodily injury, and other types of coverage, these policies can involve a number of factors.

You will want to speak with an independent agent to discuss your needs. The agent will be able to discuss your insurance-related needs with you, explaining the policy and your options. By doing this, you can improve your understanding of the policy and have someone whose experience can be relied on in the decision.

As opposed to captive agents, independent agents work with multiple insurance companies. Thus, when you speak to an independent agent, you can – once the policy is tailored to your needs – obtain several quotes from insurers. Not only does this cut down on the legwork, but you can enjoy this convenience with real savings, as you’ll have a number of competitive quotes available to you.

By using an independent agent, you receive the experience and expertise, and additionally receive multiple quotes for a policy. Also, the agent will be available to discuss future changes, claims, and other questions that you may have. The agent will be accessible and able to help you, regardless of your needs.

Contact an independent agent today to discuss your insurance needs. The agent will be able to guide you to a great four wheeler insurance policy.

How do I Reduce my RV Insurance Premium in West Hartford, Connecticut?

Posted on by AgentInsure

RV owners in West Hartford, Connecticut can reduce their insurance premium in a number of ways. Naturally, all of them start with seeing one’s independent agent for help in accomplishing this goal.

As with most other insurance types, the resources will be familiar. For instance, it is normal with car and home/renter policies to raise the deductible to save on premiums. After taking a long at your insurance needs, you may be able to lessen coverage limits.

The list certainly goes on. Perhaps you’re eligible for a discount that could easily save you money. Or, since an independent agent works with plenty of top-tier insurance companies, your agent may be able to locate a better rate. It pays to compare insurance rates, after all.

Why should you use an independent agent? Independent agents have access to a number of insurance companies, as opposed to one with the case of captive agents. And since they are free to do business with any appropriate company, it means that you often receive the best rates. If you haven’t met with an independent agent, you may be paying more for a similar policy.

At any rate, you should certainly check with your local independent agent for more assistance in reducing your premiums. Your agent will be able to help you to identify changes to your policy, available discounts, and perhaps completely different options to help you pay less for RV insurance.

Feel free to bring up any questions or concerns with your agent. For instance, if you choose to raise your deductible, you will want to consider having more resources in savings to cover that deductible. Your agent will be able to explain the ins and outs of any policy changes you are considering – as well as any new policies that are available.

Insurance Tips: Reasons to Review your Policy and the Value of Your Possessions Once a Year

Posted on by AgentInsure

Your homeowners insurance policy is designed to protect your home and possessions in case they are damaged, stolen, or destroyed. Having the right amount of coverage for your possessions and your home is key to ensuring that you are not paying too much for coverage or at risk for not having enough coverage. Therefore, I recommend that you review your policy every year and make adjustments to your coverage if needed. Here are some of the key reasons your coverage needs might change.

  • Many people in West Hartford, Connecticut are remodeling their homes, particularly by upgrading their kitchens. After you make changes to your home, you need to review your policy to ensure that you have enough coverage for all of the improvements you made.
  • Big-ticket items often depreciate in value as you use them. That computer you bought several years ago and insured with a floater is probably not worth what it was, and canceling the floater can save you on premiums. Review your floaters once a year and determine whether you still need them.
  • You may receive items that should be listed on floaters, so review your policy once a year to make sure all of your expensive items above the limit for the coverage on possessions are listed separately with floaters. For example, jewelry is something that people in West Hartford, Connecticut often list under a floater on their policy.

These insurance tips can save you money if the value of your possessions decreased during the year, but they can also increase your premiums if you added valuable possessions. However, the small increase in premiums is well worth it because you can rest assured that your home and possessions are fully covered if you have to make an insurance claim.

Recovering from an Accident with Insurance as Opposed to Without in Connecticut

Posted on by AgentInsure

Although no one plans to be involved in an automobile accident, it happens all of the time in West Hartford, Connecticut. If you have recently been in an accident, and you did not have insurance, you may be struggling with the financial losses. You should not ignore the fact that you do not have insurance protection. Before it is too late, compare quotes for affordable coverage and you will not have to worry about how you would recover from an accident with insurance as opposed to without.

If you have a great liability insurance plan, you will not need to worry if you are involved in an accident. If you are found at fault, your insurance coverage will take care of medical bills, property damage, loss of wages and a myriad of other expenses. You never realize how expensive an accident can be until it happens to you. On the other hand, if you do not have insurance in Connecticut, you will be required to pay all of these expenses out of pocket. Recovering from a serious accident could take years. This is where your insurance policy will really pay for itself. Not only will you have less to worry about financially, your insurance provider will probably take care of the paperwork and dealing with the injured party for you.

Before you think you cannot afford insurance in West Hartford, consider how much it will cost if you do not have this protection. By comparing quotes online, you can find rates that will fit even the tightest budget. Asking for discounts and ways to save money on your insurance is another way to keep costs down. Do not find yourself involved in an accident without the proper insurance. Ask your local insurance agent to get an affordable policy in Connecticut today.

How Combining Home and Auto Insurance Policies Can Save You Money in Connecticut

Posted on by AgentInsure

You need a homeowners insurance policy before a mortgage lender will lend you the money you need to buy a home in Connecticut. And before you can hit the roads in West Hartford or elsewhere in the state, you’ll need auto insurance. It’s illegal to drive in Connecticut without this protection.

Unfortunately, both auto and homeowners insurance can be costly. These challenging economic times have left many consumers with few dollars to spare.

The good news, though, is that you can qualify for discounts from insurers that can save you money. And one of the easiest ways to receive a solid discount from an insurer to is buy two or more insurance policies from them. If you want to save money, then, consider combining home and auto insurance from the same insurance company.

Of course, you still want to make sure that whatever insurance policies you do take out are a good fit for you and your family. You want to make sure that you receive enough coverage to protect yourself financially while still paying an affordable a rate as possible.

That’s where you local insurance agent comes in. By meeting with an independent insurance agent in West Hartford, you can best analyze the various policies offered by the country’s biggest insurance providers. That’s because an independent insurance agent will have formed relationships with insurance carriers across the country. Thanks to these relationships, independent agents can immediately call up live insurance quotes, giving you the chance to directly compare the homeowners and auto insurance coverage available to you.

You independent insurance agent will be able to tell you if combining home and auto insurance from the same company makes financial sense. This agent will also help you determine what other insurance discounts you might qualify for. These discounts could save you a significant amount of money each year.

Understanding Your Insurance Options in Connecticut

Posted on by AgentInsure

Whether you live in West Hartford or down on the shore, all Connecticut residents need insurance to protect their most important belongings. Fortunately, you have a lot of options when it comes to choosing policies in Connecticut.

Homeowners Insurance

Homeowners insurance protects your home and its contents. All homeowners insurance policies include dwelling coverage, which protects the structure of the home, its carpeting and all built-in appliances. In Connecticut, you can also choose from the following add-on options:

  • Contents coverage. By adding contents coverage, you can protect appliances and property that aren’t built-in to your home’s walls.
  • Replacement cost coverage. Basic insurance policies provide maximum coverage equal to the home’s cash value. With replacement cost coverage, the insurance company will provide you with the money you need to rebuild your home if it is destroyed, which is often much more than the original home’s cash value.
  • Other structures coverage. Basic policies cover only the main home. This add-on extends protection to structures separate from your home, such as garages and barns.
  • Coverage for natural disasters. Dwelling coverage doesn’t usually apply to damage from natural disasters, such as floods and earthquakes. If you want to protect against these events, you must purchase specific add-ons.

Car Insurance

Connecticut requires all registered vehicles to carry at least minimum liability insurance, which pays for damages caused by your vehicle when you are at fault in an accident. However, other coverage options are also available in addition to liability, including:

  • Uninsured motorist. Uninsured motorist coverage pays for damages caused by a driver who was illegally operating a vehicle without insurance.
  • Collision. Collision coverage pays for damage sustained in collisions, regardless of who was at fault.
  • Comprehensive. Comprehensive coverage pays for damages that aren’t caused by a collision, such as those caused by vandalism or weather.

Policy prices vary based on the type of insurance you choose, as well as your personal history. Contact an insurance agent in West Hartford to learn more about your insurance options.