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.

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. 

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.

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.

If you’re looking for recreational vehicle insurance in West Hartford, CT, you likely want to know exactly what it covers so you’re prepared for a variety of events. One of the most important things though is the coverage of bodily injury. ALLConnecticut Insurance is here to fill you in on the basics of this type of coverage so you can feel confident on the road. 

Two Types of Liability 

There are two major types of liability when it comes to recreational vehicle insurance. If you’re at-fault for an accident, your bodily injury coverage will set limits on a per-person basis. (For reference, property damage is done on a per-accident basis.) One of the more important things to know as an owner is the limits that your plan carries.

Each state sets its own minimum limits, but you have the option to increase those limits if you wish. Because even small injuries can add up to big medical bills, it can help for owners to go above and beyond what Connecticut requires of them. This way, they’re not liable for any additional expenses after their coverage runs out. 

Upgrading Your Coverage in West Hartford, CT 

If you’re interested in a new policy or upgrading your old one, call ALLConnecticut insurance today for more information or for a quote. Now that you know that bodily injury is covered under your policy, it’s time to start breaking down how much it will cover in the case of an accident and whether you’re comfortable with the totals. We’re also here to help with any other concerns you may have about your policy. Our staff is here to help you find out how to keep you safe, whether you’re on the road or not.