Recreational insurance in West Hartford, CT helps provide coverage for your recreational vehicles. No matter what your needs are, ALLConnecticut Insurance is here to help you. These vehicles can include boats and personal watercraft, RV and travel trailers, ATVs and dirt bikes, and snowmobiles.

This type of insurance is usually optional in many instances, but if you are financing your vehicle through a lender you may be required to obtain full coverage insurance. If you are driving your vehicle, you are required to have the state’s minimum liability insurance in order to be out on state roads.

Recreational insurance is going to be similar to auto insurance, since these are vehicles after all. However, there won’t be adequate coverage if you just have a typical auto policy for your RV. For your RV, you are going to want to protect your personal belongings and have coverage for emergency expenses.

Recreational insurance will cover your liability if you get into an accident with someone else on the road, or on the water. If you choose full coverage and opt for comprehensive and collision insurance, then you are covered from other damages to your recreational vehicle. Collision coverage will protect you if your vehicle is damaged by an accident with someone else, no matter who is at fault for the accident. Comprehensive coverage will protect your vehicle if it is damaged by a non-accident cause, or it if is vandalized. Having both these types of coverage will help protect your investment. Medical payment overage will pay for medical expenses if your vehicle is involved in an accident. Another option to consider is storage coverage, which can be useful since these vehicles are meant for recreational use and not full-time use. This can save you money and still provide protection for your vehicle while it is being stored.

Contact ALLConnecticut Insurance, serving West Hartford, CT, to get a quote on recreational insurance to protect your vehicles.

Umbrella insurance can add extra coverage options to your insurance package. In West Hartford, CT, umbrella insurance can take the form of various types of additional coverage options. You should consider umbrella coverage from ALLConnecticut Insurance if your current insurance doesn’t cover everything you need.

How Umbrella Insurance Works with Your Regular Insurance

Basic insurance coverage often lacks a number of protections. You may not notice what’s missing until you’re in a situation where you need the extra help. Generally, umbrella insurance helps to extend your coverage limits.

For example, an umbrella policy with additional liability coverage will kick in if you’re in a situation where your normal liability coverage reaches its policy limit. This extra coverage is important since many car accidents can easily hit large damage amounts. The added coverage will protect you from a personal liability lawsuit.

What Types of Umbrella Insurance Coverage Options Exist

Umbrella coverage isn’t just a single thing. It can consist of several options. Some of the more common umbrella insurance policies can include:

• Personal injury protection
• Property damage protection
• Personal liability protection

Your insurance may already cover these things, but umbrella insurance extends them.

Also, umbrella coverage isn’t limited to just these particular extensions. Some umbrella options can cover things your normal insurance doesn’t cover at all. Umbrella insurance can consist of several packages and some very specific options for unique situations.

How to Choose the Right Umbrella Insurance Coverage

Having a good understanding of your insurance needs in West Hartford, CT will put you in a good position to choose the proper umbrella insurance options. Extra insurance is always beneficial. Figuring out how much extra to comfortably add requires the help of a professional insurance service.

At ALLConnecticut Insurance, we offer umbrella insurance and other coverage options to fit your unique needs. To learn more about umbrella insurance, contact us today.