Enjoying the outdoors is a great way to bring family and friends together.  An RV or ATV is a great way to explore and have an adventure.  Time on the water with a boat or personal watercraft is another wonderful way to have a fun afternoon.  All of these pieces of equipment have to be ensured.  You also want to make sure that anyone who uses them is protected if there is an accident.  Recreational insurance takes care of those worries.  At ALLConnecticut Insurance, our team works with people throughout the West Hartford CT area to get them the coverage they need.  They have the experience and knowledge to support clients who also enjoy being in the beauty of nature. 

There are several vehicles that can be covered with recreational insurance.  However, they will have different types of coverage.  Boats and RVs, for instance, will have different types of coverage than an ATV.  That’s why it’s important to talk with your agent so you know your coverage options.  The policy should cover the repair or replacement of the vehicle if it is damaged in an accident.  Liability coverage will protect you if someone is injured because of your negligence.  It should cover their medical expenses and legal fees.  Without the right coverage, these expenses can be significant.  Liability coverage will also go into effect if you damage someone else’s property. 

Accidents happen every day but with the right coverage, you will always be protected.  At ALLConnecticut Insurance in the West Hartford, CT area, our agents will work with you to get the best coverage available.  Exploring nature is one of the joys of life.  Do it safely with the right insurance coverage.  Explore our website, then give us a call.  The time to protect your summertime fun is now!

Umbrella insurance is sort of an insurance policy on all of your insurance policies. Rather than buying extra protection on each individual policy, you simply buy umbrella insurance to provide excess coverage for several policies at once.

So why don’t more people invest in umbrella insurance? Many seem to assume that umbrella insurance is a great idea if you’re a wealthy real estate investor or business mogul, but not of much use to the rest of us. What many people may not realize about umbrella insurance is that it’s one of the more affordable forms of insurance for the protection you’re buying. Prices will vary, but you could be buying up to a million dollars in protection for just a few hundred dollars a year.

So the short answer is: Yes, it’s worth the investment. It’s not even a situational thing. If you drive a car or own a house or run a business in West Hartford, CT, umbrella insurance will help to cover excess liability costs long after your primary policies have run out.

In most instances, your primary policy will tend to cover the legal costs following an incident, but in the event that that policy falls short, you could be looking at hundreds of thousands of dollars in costs. And it’s better to have insurance for that than not.

If you’re considering buying umbrella insurance to cover your existing policies in West Hartford CT, get in touch with ALLConnecticut Insurance. Hopefully, you never need to call them to file a claim, but if you do, it’s better to know that you have someone like ALLConnecticut Insurance in your corner than to have to cover all of those liability expenses yourself.