Month: June 2019

What severe weather events are covered by your Connecticut homeowners insurance

Posted on by AgentInsure

Severe weather is a part of life in New England and Connecticut is no exception. Residents of the greater West Hartford, CT area know that they can count on the experienced staff at ALLConnecticut Insurance, to help them to choose a home policy that will offer them the protection that they need. in this area where the weather is so unpredictable that it can change multiple times in one day. 

Ice and snow

Ice storms are all too common in the northeast. They can cause a lot of damage to homes. Not all of it is obvious. Getting ice in your gutters can cause a backup that will result in damage to ceilings and walls. Heavy snow can also cause damage to your roof. This is most likely covered under a basic home policy. 

Wind

High winds are an all too common occurrence in Connecticut and while tornados are not common, hurricanes and blizzards are. High winds can cause a lot of damage to your home and your outbuildings. Falling trees can damage decks, pools, and gazebos as well as roofs and other parts of your main dwelling. Your home insurance policy will help you to be able to repair any damage and replace items that are damaged beyond repair.

Flood

Flooding is not covered by your basic home insurance policy when it is caused by a weather-related event. You need to have a flood policy for that protection.

While we at ALLConnecticut Insurance in West Hartford, CT can’t do anything about the severe weather that all of us in the area have to deal with we can make sure that you have the coverage you need when it happens. Give us a call or stop by our office for a no-obligation quote. 

 

Finally Paid Off Your Car? Find Out How that Can Change Your Insurance Needs

Posted on by AgentInsure

Auto financing comes with a strict set of guidelines enforced by the financial institution that provided the funds for you to buy your car. When you have a loan on your car you have to carry insurance coverage levels that are determined by your bank. After you have paid off your car loan you might be wondering what changes you should make to your car insurance policy. Residents in the greater West Hartford, CT area can turn to the professional agents at ALLConnecticut Insurance to find out answers to these questions and more. Owning your car outright can allow you to carry lower coverage, but that’s not always the best way forward.

Insurance Options When You Own Your Car Outright

When you own your car outright you no longer have to adhere to the stipulations put in place by your lender. Many car owners consider this an opportunity to drop their coverage to the bare minimum, which can often cause additional headaches! The main consideration is the replacement value of your vehicle. Once you have your car paid off it is likely a few years old, and it may be difficult to find a replacement within the current value. That is just one reason why dropping down to a basic policy can sometimes be a mistake. You will still want to have collision and liability coverage, and you will also need to consider how to cover the value of your car.

Wondering how paying off your West Hartford, CT auto loan has changed your car insurance needs? The team at ALLConnecticut is here to help! Call or stop by, and we can walk you through the car insurance policy options that are now available to you.