When you have a home, you have it filled with your life’s most precious things. That is what home insurance is for. You can get contents and personal property coverage with your home insurance to protect you against financial losses should any of your contents become lost, stolen, or damaged.

At ALLConnecticut Insurance, we want West Hartford, CT homeowners to be covered in the event of loss. Learn more about how to protect your valuables here.

Personal Property Coverage

Most homeowners know that they need liability coverage should anything happen to their property, but they don’t often consider property coverage when they are trying to save money. It is insurance coverage that will recover your lost or damaged items that you may not be able to replace on your own.

This coverage will also help to repair your belongings if something happens to them. If the peril is fire or water damage and your contents are not destroyed, you can make a claim and have them repaired.

You can put a deductible on this coverage to lower your premiums, or, you can put limits that match the values of your belongings.

For this coverage, you will have replacement cost coverage or actual cash value coverage. Replacement coverage will reimburse you for any costs when you replace an item with a similar one. Actual cash value coverage will pay for the loss of an item, minus its depreciation.

One rider you may consider for your home insurance is the coverage of the valuable items.

Take an Inventory

When you are considering personal property coverage, take an inventory of all of the contents that you are covering. Film the inventory, and itemize the contents with a value. Then you will know how much coverage you will need.

Get a Quote

When you are looking for home insurance in West Hartford, CT, ALLConnecticut Insurance can help you to determine what you need when it comes to content coverage.  Call us for a quote today.

West Hartford, CT residents know how much fun you can have with a recreational vehicle in the surrounding areas. All summer long, adventures await and memories to be made with family and friends. If you’re shopping around for a recreational insurance plan, it’s important to know your coverage and what you need to fully enjoy your recreational vehicle all year round. 

ALLConnecticut Insurance understands the benefits of having quality recreational insurance for your RV. Whether you’re embarking on a road trip up and down the West Coast, enjoying the fall foliage in New England, or hitting the beach in Florida, recreational insurance is crucial for your safety, financial security, and overall peace of mind on any adventure. 

If you own an RV in West Hartford, CT or anywhere in the country, having a quality insurance policy is the best way to enjoy your experience without putting yourself in harm’s way, via an accident or collision, theft, damage, or severe weather. 

While these scenarios may seem like a stretch to the imagination, know that they do happen and you’ll want to be fully covered and ensured if you get into a sticky situation with your RV. Unforeseen issues can be a massive financial burden on RV owners, so stay proactive and get a great insurance policy today. 

If you need more guidance in purchasing recreational insurance, contact ALLConnecticut Insurance today. We’ve got a team of trained agents who can help you enjoy the great outdoors while providing a full coverage policy that won’t have you questioning what you’re covered for in the event of an accident. Working with our team means you have a full understanding of what you’re paying for, how you’re covered, and who has your back in the event of an accident. 

Just like everything else, trying to grasp a new topic or concept always seems a daunting experience. There are usually a lot of questions mixed with long stares. Speaking of new learnings, umbrella insurance is one of those topics that can be challenging to many people. However, at ALLConnecticut Insurance, we dissect umbrella insurance to its basics, helping you know the nitty-gritty of this widely misunderstood coverage.

For starters, here are the four basic facts you must know about umbrella insurance.

It’s a liability coverage

Umbrella insurance protects you when accused by third parties. If you are deemed liable for property damage or bodily injury, umbrella insurance comes to your rescue when the typical liability coverages are exhausted.

It’s not a stand-alone policy

Umbrella insurance doesn’t exist on its own — it rides on other coverages. For instance, if you have a boat or home insurance plan, you can consider umbrella insurance to boost your liability coverage.

Umbrella insurance is suitable for everyone

There is a common misconception that umbrella insurance is for the super-rich only. This notion isn’t entirely true. Whether you are a start-up or a veteran, umbrella insurance serves the purpose of asset protection. And because anyone in America can be sued, there is no better protection for your assets than umbrella insurance.

It’s affordable and convenient

Since umbrella insurance rides on other coverages, it’s super affordable. You will be surprised that for a $1M coverage, you will only pay a fraction of what you pay for, let say, your home or auto insurance.

Additionally, umbrella insurance has no geographical limitation. Unlike other liability coverages, it can protect you anywhere in the world.

Learn more about umbrella insurance in West Hartford, CT 

Would you like to get more information about umbrella insurance? Would you please get in touch with ALLConnecticut Insurance? We will advise you on many aspects of umbrella insurance, including the benefits, cost, and demystifying popular myths about this coverage.

There are many reasons to purchase recreational vehicle insurance. These reasons may resonate with many individuals that are taking longer summer trips or have invested in RV living. However, what if there are multiple drivers for your RV?

Knowing what to do when there are multiple RV drivers is important. Even if you are planning a 27-hour trip from the Florida Keys to Maine or a trip specific to a camping ground in California. No matter your journey, it is possible to make the proper choice concerning RV insurance. Before driving out of the West Hartford, CT area or in any areas that we serve, contact ALLConnecticut Insurance with your questions pertaining to RV insurance.

Multiple Drivers

There are many conditions when you may experience having additional drivers. For example, you made me turn sure other drivers for your RV if you are renting, using your RV on a full-time basis, or if you are financing your recreational vehicle.

There are individual categories of recreational vehicles that you should be mindful of. As an important note, recreational vehicle requirements for each class may be unique in your region. There are a total 10 basic types that are on the road today, is there clear the following:

• Classic recreational vehicles such as Air-Stream trailers
• Campers that are pop-ups
• Modern travel trailers (Models that are seven years old and newer)
• tiny or small trailers
• Tear-drop shape campers
• Towable campers (with fifth wheel)
• The trio subgroups A, B & C (motorhomes)
• Toy haulers

Additionally, it is essential to be comfortable with the essentials of each RV class. This is because if you are looking for RV insurance and have multiple drivers, knowing the type of RV that you have will help make the search easier.

Depending on your area, you may need insurance for multiple drivers if your recreational vehicle falls in the category or classes of A, B, & C motorhomes. This is because they are drivable recreational vehicles they are not towed by automobile or truck. If you are in the West Hartford, CT area, do not hesitate to contact ALLConnecticut Insurance.

Today in West Hartford, CT, golf carts are used for more than golfing. Many use golf carts to get around large properties, drive around their neighborhood, and even take down the road to a nearby store. With so many using golf carts for so many different reasons, it brings up the question, “Do you need recreational insurance for your golf cart?” Continue reading to learn more, and then call ALLConnecticut Insurance for additional information. 

Is Insurance Required for Golf Carts? 

The need to have insurance coverage for a golf cart depends upon its purpose and where it is driven. For example, if the golf cart is road-ready, an insurance policy may be required before driving it on the road. 

Road-Ready Golf Carts

As previously mentioned, road-ready golf carts may need insurance coverage. This insurance coverage is required when you plan to drive your golf cart on the road. For example, it is necessary to use the cart to get around your neighborhood or on a route to go to a local store. 

Non-Road-Ready Golf Carts

Non-road-ready golf carts are those that are used on golf courses and to get around large properties. Having insurance for these vehicles is not required. However, you may still want to purchase a recreational insurance policy if you use the golf cart regularly. 

Homeowners Insurance

For non-road-ready golf carts, homeowners can purchase an additional golf cart endorsement on their homeowners policy. 

Types of Golf Cart Insurance Coverage

Whether you purchase recreational insurance or add your golf cart to your homeowners insurance, different coverage options are available. These options include: 

• Property Damage Liability: Covers you if your golf cart causes damage to someone’s property.
• Physical Injury Liability: Covers you should you injure someone else while driving your golf car. 
• Comprehensive Coverage: Protects you if your golf cart is stolen or damaged by natural elements. 
• Collision Coverage: Covers damage to your golf cart from a severe collision. 

West Hartford, CT residents can protect themselves against any possible risks involving their golf cart. Call ALLConnecticut Insurance today to discuss recreational insurance options available for your golf cart. 

Umbrella insurance is a unique insurance product that works along with other insurance policies that are already in place. Many people choose to get umbrella insurance because it is very helpful coverage as well as being well-priced. If you are interested in one of these policies, call us at ALLConnecticut Insurance in West Hartford, CT.

Your Other Insurance Policies

To get umbrella insurance, you need to already have home and auto insurance in place, or you can get them all at the same time. Both a home and auto policy will each come with some liability coverage. The problem is that they generally come with little coverage for liability, and medical and property damage bills can be extremely high. With an umbrella policy, you will have more liability insurance for both of these policies with one easy policy. 

How It Works

With your home and auto insurance policies in place, those payout first when there is an accident that you are liable for. They assess the situation and payout as needed when you are at fault for an accident that happens either in your home or in a vehicle. After that insurance has maxed out, your umbrella insurance comes in and pays what is left of the bills you owe.

Cost-Effective Insurance

So, why don’t people simply add more liability onto their home and auto policies instead of getting umbrella insurance? Because it’s too expensive. Adding liability coverage to your home and auto policies is prohibitively expensive for many people, but umbrella policies offer large policies for relatively little money. It’s a cost-effective way to get the coverage you need without breaking your budget. 

Get Umbrella Coverage

If you need more liability coverage, and many people do, getting umbrella insurance is a great way to get it. Call us today at ALLConnecticut Insurance in West Hartford, CT.