AllConnecticut Insurance wants you to know that we have the best resources you need for buying boating insurance coverage. We also want you to be safe on the water this season. So please, don’t boat just after a heavy rainstorm: that stick floating in the muddy water might be attached to an entire tree bobbing just under the surface. Be careful boating above spillways, bridges, and other structures on the water. Be certain that everyone onboard has the proper personal flotation devices and that they are wearing them in the correct way. Even pets can wear flotation vests as well! Also, be very careful when using alcoholic beverages on board.

We’re not just about insurance, you see; we’re about safety. Safe fun is the fun that builds wonderful summertime boating memories. Enjoy the sun on the water, catch some rays, maybe catch a fish as well. You can have a pretty awesome lack of worries when you have the insurance coverage to back up your boating activities. Accidents do happen, and you can be prepared both before and after. While prevention is the best method for dealing with the unfortunate things that come up, good insurance can make a huge difference after the fact.  Contact us about your boating insurance coverage. At AllConnecticut Insurance we know the state requirements for minimum insurance coverage as well as which kinds of policies are available for which kinds of vehicles. Our independent agents can help you find the best rates for your specific needs. Serving the West Hartford, CT area, our independent agents can find the insurance coverage quotes of multiple insurance firms to assure you that you’re getting the best coverage at the best rate for your specific needs.

The majority of people have no idea what umbrella insurance is but that does not mean that they do not need it. When it comes to umbrella insurance, it can be pretty easy to determine if you need to get a policy or not. Continue reading to see what it is, help determine if it is right for you, and if you need to consider getting a policy.

• If you have assets that are high value, an umbrella insurance policy can take over where your current policy falls short. You may not know it, but your auto and home insurance policies have maximum coverage limits. If you have assets that are worth more than that maximum coverage amount, then you should consider an umbrella insurance policy. These policies will cover you when your other policies no longer can. Take a look at these two values to see if you are fully covered or not. 
• Umbrella insurance policies can also cover your liquid assets such as your checking account, savings account, and even your retirement account. Banks and other establishments only cover your liquid assets up to a specific amount. You may want to check with your banking institutions to make sure you are covered completely by them.
• If you are a high profile individual in your community, you may want to consider this type of policy. It can provide you with insurance for personal injury such as libel, slander, wrongful conviction, and even false arrest. While most people do not need this, you can judge if you may.

For more information about umbrella insurance policies, be sure to contact us at ALLConnecticut Insurance today. We will also take a look at your asset values and current insurance plans to see if it is the right option for you.