Month: July 2020

Things You Need to Know Before Buying a Home Security System

Posted on by AgentInsure

If you are thinking about buying a home security system, there are a few key points you will want to consider first. The agents at State Insurance Solutions can help you answer a few questions before you decide to purchase one. There are many different types of home security systems available to the residents of Dallas, TX.

DIY or Professionally Monitored

The first question is whether or not you want to monitor your system on your own. You may choose to pay for a third-party monitoring service to watch over your home. Even if your home is professionally monitored, you still have the option to watch over your home through the system’s downloadable app. Many of the DIY systems can be used in apartments and other rental properties.

How Much Protection Do You Need?

The next important question is how much protection do you need. Some systems are very basic offering only one or two sensors and a keypad. Other systems include full home automation, video surveillance, and video doorbells with two-way communication. Environmental sensors and energy monitors are also available. More elaborate systems can be customized to meet your home’s needs no matter how big or small it is.

At State Insurance Solutions, the agents serve the Dallas, TX community and offer sound advice on what types of home security systems are available and what type of system would be best to be used in your home. The agents understand that every home is different in terms of size and security needs. The agents can help you choose the right system for your home so that you can feel as secure and protected as possible.

Tips For Driving Your Recreational Vehicle Safely

Posted on by AgentInsure

You want to get a great insurance policy for your recreational vehicle so that you can carry the peace of mind with you whenever you head out from West Hartford, CT on a new adventure. But as much as you want a great insurance policy, what you really want is to never have to file a claim. There may not be a way to eliminate risk entirely, but there are some things you can do to stay safe on the road:

  • Practice. An RV is nothing like driving a car. It’s not much like driving a big pickup truck, either. Even if you’ve already passed your test and gotten your license, the more practice you get in, the better. Head to a parking lot and practice your three-point turns, parking, and cornering. Take your RV out in light traffic and get used to it. You don’t want to have to learn all this stuff when you’re already a hundred miles from home.
  • Keep an eye on the weather reports. Heavy rain is no fun when you’re driving a four-door, and it’s even worse in a house-on-wheels. Pretend you’re a sea captain and try to only set sail in smooth weather.
  • Memorize your height. Write it on the dashboard if you must, but don’t guess at how tall your RV is when driving through a tunnel with a 12-ft limit. You can always reroute if an overpass is too low.
  • Stay to the right. You have to take it slow and steady in an RV, and staying to the right gives cars behind you the chance to pass safely.
  • Brake slowly. This isn’t a car, it’s a tiny house. You’ve got upwards of three tons of weight here, so ease into every stop sign.

It really comes down to experience. The more time you spend driving around West Hartford, CT, the safer you’ll be.

To get covered, call ALLConecticut Insurance, or visit the ALLConecticut Insurance website and let’s see what we can do for you.

Does Commercial Insurance Cover Inventory in West Hartford?

Posted on by AgentInsure

Whether you sell high-end computer equipment or discount clothing, your inventory has everything to do with how much you generate in revenue. If you’re a business owner in West Hartford, CT, you’re going to want to make sure that it’s protected from damage, theft, or loss. ALLConnecticut Insurance can give you a few tips about how your stock works under your commercial policy and what you can do to safeguard it from harm. 

How It Works 

The inventory you use for your business is usually covered by some sort of commercial insurance. If you purchased the property, you would likely file a claim under commercial insurance. If you’re renting the property, it’s likely to be covered by a standard business owner policy. But even though your inventory is likely to be covered, it’s important not to make assumptions about the covered events or the maximum limits for the inventory you have. 

Understanding the Details 

Let’s say that you own a business that serves about 100 shoppers a day when there’s suddenly a shift in consumer preferences. Because of this shift, you begin to serve 200 people a day. As you struggle to order more inventory to fit the demand, you don’t think to call your insurance company to tell them that your inventory has fundamentally changed. If something happens to all that additional product, the insurance company may not cover it if they were unaware you had it in the first place. 

If you want to learn more about commercial insurance in West Hartford, CT, ALLConnecticut Insurance can answer more about the events you should be planning against and the best policy for your business. Because every business is different, you need a plan that fits with your goals.