Common Umbrella Insurance Myths Revealed

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Based in West Hartford, CT, ALLConnecticut Insurance offers the community multiple types of insurance coverage. We strive to make sure that our clients find policies that suit their individual needs.

Common Umbrella Insurance Myths Revealed

Umbrella insurance will give you peace of mind as you deal with a potentially serious liability dispute. The safety of your assets is potentially at risk. That is why umbrella insurance is an asset. The policy protects you if an unforeseen circumstance arises. While you are researching different policies, avoid these common umbrella insurance myths.

I Don’t Need It Because Of My Status

There is a drastic misconception that the policy only benefits people with a lot of assets. This is incorrect. Umbrella insurance is beneficial to everyone. No one is exempt from experiencing the consequences of an accident. Imagine having a few friends over to your residence in West Hartford, CT. Unfortunately one of your friends suffers an ankle sprain as a result of falling on your property. Without umbrella coverage, you may be held liable for the injury.

The Policy Only Covers Luxury Assets

Umbrella insurance does not cover any type of property. Umbrella insurance acts as a safety net if you may be held responsible for something. The policy has nothing to do with protecting your personal items if they are stolen.

Umbrella Insurance Is A Substitute Policy

Many people believe that umbrella insurance is a substitute policy for home or auto coverage. This is incorrect. Umbrella insurance does not take the place of a particular coverage. Instead, the policy acts as an additional layer of protection on top of a traditional home or auto policy.

Consult With ALLConnecticut Insurance

For information on umbrella insurance, visit our website.

What Commercial Insurance can do for a New Business

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Are you thinking about starting your own business? There are a few things you’ll need to do to protect yourself once you get going. First, start by getting with an insurance agent to walk you through the different coverages you’ll need. At ALLConnecticut Insurance in West Hartford, CT, their agent can go over commercial insurance policies for your new business.

Basic Commercial Insurance Coverage

  • Commercial General Liability – offers protection for incidents that you are responsible for. It can protect your business and employees.
  • Commercial Auto – accidents that are covered by commercial auto insurance can protect you if one of your employees is involved in an accident. If that accident results in property or bodily injury damage, then you’ll avoid paying enormous out-of-pocket expenses.
  • Commercial Property Insurance – usually covers the building, furniture, inventory, and other people’s property. Check with your insurance agent to determine if property insurance is covered by damage due to fire, water, lightning, theft, vandalism, or storms. Include your business equipment in your coverage. Things like computers, printers, cash registers, tools, or desks could be covered under your policy.

Other Optional Coverage

Depending on the type of business you own, you can adjust your coverage based on your company’s needs. For example, a restaurant will have different insurance needs than a contractor. Here are a few options:

  • Professional Liability – also known as Errors & Omissions, is coverage for certain types of professionals, such as contractors, lawyers, and doctors.
  • Worker’s Compensation – is used for employees who are injured while on the job.
  • Cyber Insurance – can protect against loss as a result of a breach in the safety of customer information, such as social security numbers, addresses, and account information.

If you’re in the area, stop by ALLConnecticut Insurance in West Hartford, CT and discuss what type of commercial coverage you should add to your policy for your new business.

What Makes a Vehicle “Recreational”?

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Spending time in the great outdoors often means getting from one place to another by using recreational vehicles. Aside from 4-wheel drive trucks and SUVs, the only other vehicles who can make it in the wilderness are "recreational" vehicles. What does recreational really mean and do you need a specific kind of insurance policy to make sure you are fully covered. In West Hartford, CT, residents can get the answers to these questions from the agents at ALLConnecticut Insurance.

Off-Road Only

In most cases, recreational vehicles are made to be used off-road only. Many states will not allow recreational vehicles like 4-wheel ATVs, quads, and other all-terrain vehicles on roads and highways. Part of the reason is that they are designed for off-road travel and are not fast enough to keep up with other traffic.

More Fun, More Risk

Recreational vehicles are designed to perform well when traveling over extremely rough terrain. This means a different type of insurance policy will be needed. Unlike a traditional auto insurance policy, a recreational policy will cover vehicles that travel off-road, in higher-risk areas.

Increased Liability

With the increased risk of traveling off-road, you will also experience a higher liability, especially in terms of personal injury. While most people who drive recreational vehicles take every precaution to be safe, accidents can still happen.

The agents of ALLConnecticut Insurance are always available to make sure the residents who live in or near West Hartford, CT have the answers they need before they take to the trails. Schedule an appointment so you can speak to an agent and have the necessary recreational insurance in place before you go out and have fun in the woods.

Home Insurance for Beginners

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If you’re buying a new home for the family or purchasing your very first home ever, then it’s important that you get the proper home insurance policy to keep your home protected. However, many new West Hartford, CT homeowners may be unfamiliar with home insurance and how it works. Luckily, you can learn all about the in’s and out’s of home insurance with ALLConnecticut Insurance. 

What Does Home Insurance Cover? 

Home insurance provides you with financial protection in the case that your home receives significant damage or worse. If you’re unsure how you can get protection, here are some general areas in which home insurance can provide coverage: 

  • Damage sustained to your house 
  • Damage sustained from nature
  • Liability
  • Damage done to another person’s property
  • Other structures on your property 
  • Injury

These are just some of the areas in which you can receive coverage. The specific coverage type and amount of coverage you receive will depend on the specific policy you choose. For a consultation on which home insurance policy would be best for you, visit ALLConnecticut Insurance today!

Why Is Home Insurance Important? 

Your home is more than just a house. That’s why you want to give it the most solid form of protection that you can. This means choosing the right form of coverage for your home. If you’re unsure what home insurance policy is best for you, the best thing you can do is explore your options. Life can be unpredictable, but it’s better to have coverage and never need it than it is to not have coverage and find yourself needing it. 

Stay Covered with ALLConnecticut Insurance

If you’re ready to explore your home insurance options and get your home protected, visit ALLConnecticut Insurance near West Hartford, CT. You can contact us online or over the phone for a consultation today!

Why should I get auto insurance in Connecticut?

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There are many reasons why living in the West Hartford, CT area is a great option for a lot of people. If you are going to live in this area of the state, you need to make sure that you have the right personal insurance plans in place. This should include getting an auto insurance policy. There are several reasons why you should get auto insurance when you own a car here. 

You Want the Right Coverage to Comply with Law

One reason that you will want to get an auto insurance policy is that you will want to comply with the state laws. All drivers on public roads in this state are required to meet the state minimum liability insurance requirements. If you are caught driving without it, the penalties that you can face could be severe. With a full policy, you will know that you are in compliance with the obligation.

You Want to Protect Vehicle

You will also want to get an insurance policy because it can help to protect your vehicle. No matter what type of vehicle you are going to buy, you need to make sure that your investment is protected. When you get a collision and comprehensive policy, you can receive the full protection that you need. This way, you will be able to repair or replace your vehicle following an accident or theft.

When you want to get a new policy in the West Hartford, CT area, you should call ALLConnecticut Insurance. The team at ALLConnecticut Insurance can help you to choose and find a policy that is right for your situation. This will help to ensure you receive the protection you need to stay in legal compliance and also cover your asset and investment. 

Does Your Vehicle Qualify for Recreational Insurance?

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Certain types of vehicles fall under the category of needing recreational insurance. If you wonder whether your vehicle requires this, it’s a good idea to do your research or talk to an agent like those at ALLConnecticut Insurance for your recreational insurance needs in and around West Hartford, CT.

RVs/Motorhomes

Of course, RVs are covered under recreational insurance. However, there is a wider range of this type of automobile that would require such insurance. This includes Class A Motorhomes (known as motor coaches), Class B Motorhomes (known as camper vans), and Class C Motorhomes (known as campers or camper vans). Talk to an expert to help you figure out the specifics of each line of coverage that’s available.

Travel Trailers

Under this category is a wide range of trailers. If you have a toy hauler, pop-up camper, cargo trailer, mounted truck camper, horse trailer, or fifth-wheel trailer, you’ll want to seek recreational insurance coverage.

Off-Road/Motorcycle

Though motorcycles would normally be under their individual category of insurance, they can be treated the same as off-road if they’re not being used on roadways. This category includes motocross bikes, dirt bikes, ATVs, dune buggies, golf carts, snowmobiles, and mopeds. Before you use one of these, learn what policy coverage you’ll need to cover losses or damage along with anything involving another vehicle or person who is not on the policy.

Insurance to Meet Your Needs

Considering all of the little details that are difficult to keep track of it’s a good idea to work with an insurance agent who will sit with you and personalize your recreational insurance policy. If you have any questions or would like to get a quote, contact ALLConnecticut Insurance of the West Hartford, CT area.

Three things umbrella insurance covers

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If you have not yet invested in an umbrella insurance policy, you should understand how important umbrella insurance coverage is for protecting your assets. At ALLConnecticut Insurance, we offer umbrella insurance coverage for consumers in West Hartford, CT.

The following are three things that umbrella insurance will cover for you to protect your assets.

Damages from injuries

You purchase home and auto insurance in part to cover the costs of any injuries resulting from an accident in your automobile or at your property. However, your home and auto insurance policies have policy limits. This means they will only pay out a certain amount to cover injury expenses.

Umbrella insurance provides coverage for injury expenses that are greater than the policy limits on your home, auto, or another type of insurance policy. 

Property damage expenses 

Another type of expense umbrella insurance can provide coverage for is property damage expenses. If you cause damage to another party’s property in your automobile and the property damage goes beyond your auto insurance coverage limits, your umbrella coverage kicks in.

Legal protection in the event of a lawsuit

It’s important that consumers don’t underestimate how expensive legal representation can be as a result of a lawsuit. If you get sued, your umbrella insurance coverage can cover the costs of hiring a lawyer to defend you. 

Legal expenses add up quickly, so this makes investing in umbrella insurance an especially good idea. Hiring an experienced lawyer to protect you in a lawsuit situation gives you peace of mind and ensures the best possible outcome for you. 

Ask us any questions you have about your umbrella insurance options and what umbrella insurance covers at ALLConnecticut Insurance. We’re happy to assist West Hartford, CT consumers with meeting their umbrella insurance coverage needs. 

Things You Need to Know Before Buying a Home Security System

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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

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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?

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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.