Month: September 2021

Preparing your Connecticut home for an emergency

Posted on by AgentInsure

At ALLConnecticut Insurance in West Hartford, CT, we have more than 125 years of combined experience. We will use that experience to help you to find the right home insurance for your home and your needs. As independent agents, we can offer more choices. It allows us to customize a policy that prioritizes getting you the most for your insurance dollar.

Connecticut is known for the variety of weather it has. If you don’t like the weather you are seeing, wait five minutes and it will change. Every season has its challenges. As a homeowner, you need to be prepared no matter what Mother Nature decides to throw at you. 

Have a generator

Hurricanes are a real danger in Connecticut. They cause flooding and the heavy winds take down trees in all parts of the state. It is not unusual to lose electricity for days at a time. Your home needs to be prepared for this emergency. You need to keep food cold if it is still warm outside and provide heat if it is later in the season. You can choose gasoline or propane for your fuel. 

Put your important papers together

Depending on the type of emergency, there can be wind, fire, or water involved. All of them could destroy your important papers. You need to have a container that is both waterproof and fire-resistant. You need to put all your important papers, including your home insurance policy, in the container. Take it with you if you must evacuate. 

Have supplies

It is important to have several days of water both to drink and to use. When the power is out, you may not have tap water. You should also have a supply of batteries. 

Contact ALLConnecticut Insurance in West Hartford, CT if you are looking for great service and more choices in home insurance.

Common Auto Insurance Terms You Need to Know

Posted on by AgentInsure

When shopping for auto insurance in West Hartford, CT, you probably have heard terms you might have been unfamiliar with. Understanding these terms can help you determine if you are selecting the best insurance policy for your driving needs. Take a moment to look over the following insurance terms and then reach out to ALLConnecticut Insurance to discuss any questions and auto insurance options available. 

Collision

When in an auto accident with another vehicle or object, your collision coverage pays for the damage. There is a deductible for this coverage you must pay out of pocket before the insurance policy pays the remaining repair and replacement costs. 

Comprehensive

When you have damage to your car, not caused by an accident, your comprehensive coverage helps pay for repairs. For example, this policy covers damage associated with theft, flood, falling objects, broken glass, and vandalism. Comprehensive also covers the damage when you hit an animal while driving. 

Liability

The liability insurance coverage pays for bodily injury to another person or damage to someone else’s property. Your insurance policy covers these items when you are found responsible for an accident or someone who was driving your vehicle (with your permission) causes an accident. All states require drivers to carry liability insurance, and it is recommended you have more coverage than the required limit in Connecticut. 

Uninsured and Underinsured Motorist

When you get into an auto accident caused by another motorist without auto insurance, your uninsured and underinsured motorist coverage pays for the damages and medical costs. This coverage also pays when another motorist does not have enough insurance to pay for your accident-related expenses. 

Those living in West Hartford, CT, who still have questions about some terms associated with their auto insurance policy need to call ALLConnecticut Insurance today. The agents there can help answer your questions and help you find an insurance policy.