Month: December 2021

How to Make Sure All of Your Contents are Covered by Connecticut Home Insurance

Posted on by AgentInsure

When you have a home, you have it filled with your life’s most precious things. That is what home insurance is for. You can get contents and personal property coverage with your home insurance to protect you against financial losses should any of your contents become lost, stolen, or damaged.

At ALLConnecticut Insurance, we want West Hartford, CT homeowners to be covered in the event of loss. Learn more about how to protect your valuables here.

Personal Property Coverage

Most homeowners know that they need liability coverage should anything happen to their property, but they don’t often consider property coverage when they are trying to save money. It is insurance coverage that will recover your lost or damaged items that you may not be able to replace on your own.

This coverage will also help to repair your belongings if something happens to them. If the peril is fire or water damage and your contents are not destroyed, you can make a claim and have them repaired.

You can put a deductible on this coverage to lower your premiums, or, you can put limits that match the values of your belongings.

For this coverage, you will have replacement cost coverage or actual cash value coverage. Replacement coverage will reimburse you for any costs when you replace an item with a similar one. Actual cash value coverage will pay for the loss of an item, minus its depreciation.

One rider you may consider for your home insurance is the coverage of the valuable items.

Take an Inventory

When you are considering personal property coverage, take an inventory of all of the contents that you are covering. Film the inventory, and itemize the contents with a value. Then you will know how much coverage you will need.

Get a Quote

When you are looking for home insurance in West Hartford, CT, ALLConnecticut Insurance can help you to determine what you need when it comes to content coverage.  Call us for a quote today.

Driving in the Rain: Stay Safe with These Tips

Posted on by AgentInsure

There are over one million weather-related crashes annually, and nearly half of them occur while it’s raining. Because of this, rain tends to be one of the most dangerous weather conditions—yes, more than ice, snow, and sleet—to drive-in! With that being said, ALLConnecticut Insurance wants to help West Hartford, CT drivers learn how to navigate the road a bit better when they’re caught in the middle of a storm.

Wait It Out

While it may not be possible at all times, you should try to avoid getting behind the wheel and driving when it is raining, especially right at first. Oil and grease build up on the roads, and when it rains, those substances will rise up to the surface. As the water mixes with the grease and oil, the roads get slick and dangerous. Therefore, the roads are most dangerous at the beginning of a rainstorm. If possible, wait a bit before driving.

Know What to Do If You Hydroplane

Your tires tend to lose traction when there is water built up on the road, and this is when hydroplaning can occur. It doesn’t take a lot of water on the road for you to be able to hydroplane.

Now, when hydroplaning happens, you will feel your car begin to slide suddenly. More than likely, you may find it difficult to steer. If this happens, slowly lift your foot off of the gas and try to steer the vehicle straight. If you do anything other than this, you may flip your vehicle.

Slow Down

Keep in mind that the posted speed limits are for when the driving conditions are ideal. Rain is not an ideal driving condition. Therefore, to keep yourself and others safe, slow down and add a couple of extra car links between you and the vehicle in front of you.

ALLConnecticut Insurance wants to make sure you are safe when driving on the road, but we also want to ensure that you have appropriate auto insurance in the event you are in an accident. Serving the West Hartford, CT areas, we can sit down with you and help you identify the best policy for your needs and budget.