Month: April 2017

Seniors: Here’s How to Adjust Your Auto Insurance to Reduce Costs

Posted on by AgentInsure

For those who are getting a bit older, and have the need to save a bit of money, the team at ALLConnecticut Insurance wants to help you to reduce your costs. Seniors are different drivers than those who are younger. The amount of risk you present to the insurance agency will differ from one person to the next. However, there are ways to cut down on your costs in many cases.

How to Save Money

Seniors may be able to reduce their auto insurance rates by contacting their agent at ALLConnecticut Insurance. Many seniors do not drive much. If you have reduced the amount of driving you do on a daily basis, you may qualify for a lower insurance rate. For those seniors who no longer drive at all, but still own a vehicle, it is still critical to have an auto insurance policy in place. This protects the value of your vehicle (depending on the type of insurance you have) from risks.

Those who have vehicles that are paid off may also be able to reduce some of their coverage to see a lower premium. It is only wise to do this if you can afford to do so. Talk to your agent about this type of option to be sure it is right for you.

Getting a Quote Can Help You

When it comes to saving money, you may just need a new policy. We serve seniors and other clients throughout the West Hartford, CT area. Contact one of our experienced and trusted agents today to learn more about how we can help you with the insurance coverage you need. We may be able to help you get into a more affordable plan that matches your needs.

 

Are Your Fireplaces and Wood Stoves Covered?

Posted on by AgentInsure

New England winters are like no others. They are long, bitter cold and tremendously costly. That’s why many homeowners turn to wood stoves and fireplaces to offset energy bills. But installing a wood stove or activating a fireplace must be done correctly. If not, you could be vulnerable of having a claim denied. At ALLConnecticut Insurance, our professionals are committed to helping members of the West Hartford, CT community stay properly insured. Please consider these things about open flame that might put you at risk.

Wood Stoves

Wood burning stoves are wonderful ways to heat a home and lower energy bills. You can even cook a few meals on them. Many Connecticut homes already have viable chimneys in place to tap into. However, national and state fire code regulations must be followed. To ensure that your policy will cover a loss due to fire, a wood stove may need to be inspected and approved. You’ll need to follow up with your insurance professional to make sure your carrier knows about the installation.

Fireplaces

It’s fairly common for people to purchase a home with an inactive fireplace. But considering it’s there, why not get it up and running? Few things are as appealing as warm cozy nights in front of the fire. But like wood stoves, a fireplace needs to meet strict fire and building code regulations. You’ll need to have an activated one inspected and update your homeowners policy as well. Insurance companies base premiums on potential risk of loss factors. Open flame can significantly change those calculations.

It’s important to update a policy any time you make noteworthy alterations and upgrades to your property. At ALLConnecticut Insurance, we are available to help members of the West Hartford, CT revise and renew homeowners policies that ensure continuous coverage.