When is Recreational Vehicle Insurance Needed

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One dream that a lot of people share is to eventually take the time to enjoy all that the country has to offer. When going on any type of road trip, driving in your very own recreational vehicle can be both efficient and fun. Not only will you have a safe mode of transportation, but you also will have a comfortable place to sleep at night. If you do purchase a recreational vehicle, it is important to consider your insurance needs. There are many situations when a recreational vehicle insurance policy will be needed.

When Driving on Public Road

Once you take your recreational vehicle out onto a public road, you are going to need to have a recreational vehicle insurance policy. Those that have an RV in the West Hartford, CT area are going to be bound by the same liability insurance laws as a driver of any other type of vehicle. If you do not have this type of insurance, you could face penalization.

When Taking Out a Loan

If you used a loan to buy your recreational vehicle, the lender will likely require that you have an insurance policy on it. The lender is going to want to make sure that you have a full collision and comprehensive insurance policy. This ensures that their collateral is protected against virtually any type of accident or scenario that could cause a loss. 

Those that are in the West Hartford, CT area and want to get a recreational vehicle should contact ALLConnecticut Insurance to discuss their insurance needs. The team at ALLConnecticut Insurance could help anyone better evaluate their insurance needs and options. They can then help you get into a recreational vehicle insurance policy that will ensure you are in compliance with all insurance requirements.

Identity Theft Protection for Your Employees: An Important Perk for Modern Workplaces

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In a tight employment market, your benefits package could be the key to luring in the most valuable employees. In the modern age, identity theft protection is a big perk for your more financially savvy candidates. The agents at ALLConnecticut Insurance can add this coverage to the commercial insurance package for your West Hartford, CT area business as a voluntary benefit to your employees. How does this option make your open positions more attractive?

What is Identity Theft Insurance?

Identity theft insurance helps the beneficiary pay for costs associated with the unauthorized use of their personal details for financial transactions. Subscribers are eligible for reimbursements for things like:

  • Time off work to handle business related to the theft
  • Legal fees
  • Cost of repaying or satisfying fraudulent charges

Most policies also include identity theft monitoring services as well. These additions reduce the risk of your beneficiary falling victim to crimes in the first place. Credit monitoring alerts include:

  • New accounts opening
  • New public records
  • Negative entry to credit report
  • Suspicious activity on credit report

Getting these alerts gives the subscriber the chance to quickly respond to potential breaches. This can save them thousands of dollars in stolen funds, lost wages, and reduced credit opportunities.

Increase Your Employment Appeal with Voluntary Benefits

Like any insurance policy, these contracts have deductibles and limits. Higher wage earners may not be impressed by low-limit plans. Our agents can help you provide a variety of options to your employees. This voluntary coverage can help you catch the eye of higher-level applicants.

Identity theft is a real concern for most financially responsible people. Give your West Hartford, CT area employees the option to protect themselves with identity theft protection insurance from ALLConnecticut Insurance. Contact our agents to learn more about adding this coverage to your existing commercial insurance strategy.

Insuring Your Teen Driver

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When it is time for your teenager to obtain their driver’s license, it is exciting but at the same time, a little intimidating for parents. While teens can wait to get behind the wheel,  parents have several things to do before and after that happens to ensure peace of mind.

One of the concerns many parents have is obtaining auto insurance for their teens, and they worry about how much money it will cost. Here are some tips for securing insurance for your teen without going broke.

Use Your Policy

It is less expensive to add your teen driver to your existing auto insurance policy than to obtain a brand new policy for him or her only. This will also help maintain your current insurance status, especially if you have not had any accidents or citations for at least five years.

Type of Vehicle

Much like any other insurance policy, it will cost more to insure a sports car versus a family-style sedan. Just because your teen wants a Mustang GTO does not mean you have to purchase them one. Opt for a vehicle that gets good gas mileage, is dependable and safe and will not break the bank when you obtain insurance for it.

Follow the Law

Parents should update themselves on the laws in their state. In Connecticut, teens must be 16-years-old to take a test to obtain their learner’s permit. They then must drive only when accompanied by a parent, guardian, or driving instructor who have valid driver’s licenses.

A teen must practice driving for at least 40 hours with one of the adults listed above and must take at least 22 hours of classroom training before taking their driver’s exam. They must also take an eight-hour class about safe-driving techniques from a driving or secondary school that is licensed by the state of Connecticut. After all of this is completed, they can take their driving examination which includes a road test.

Raise the Deductible and Look for Discounts

Two other ways to keep costs down is to increase the deductible on your policy. The higher the deductible, the lower your insurance premiums will be to insure your teen driver. Also, if your teen gets good grades, you may be entitled to a discount.

The West Hartford, CT agents with ALLConnecticut Insurance can assist you in obtaining auto insurance for your teen driver and answer any questions you may have.

Ways to Make Your Home and Property Safe All Winter

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During winter you’re undoubtedly juggling many things, as you are trying to keep your house warm and cozy, working to keep your vehicle maintained, while also handling the usual day-to-day responsibilities. But also make sure you pay close attention to keeping your home and property safe during the winter. Here are some valuable tips, courtesy of ALLConnecticut Insurance serving West Hartford, CT.

Sidewalks and driveway

The area around your house can get super slippery during the winter. Head off the danger by remembering to thoroughly clear all ice and snow from sidewalks and your driveway. Just take your time and prevent painful injuries.

Fireplace safety

The warmth and glow from your fireplace can provide comfort, relaxation, and beauty during the cold-weather months. But it can also be a serious hazard. Manage the risk by constantly monitoring any fire in the fireplace and making sure that sparks do not fly out of the fireplace. Also, keep the fireplace cleaned and maintained at all times.

Candle safety

Candles can also provide a lot of beauty and ambiance in your home during the winter. But they should be closely monitored, which means you should never leave the room when a candle is burning. And keep a close eye on any candle that is burning.

Electrical items

Electrical items are another type of potential risk in your home. Make sure you thoroughly inspect all electrical items regularly and look for problem issues like old or frayed cords. Repair or discard items as needed.

It doesn’t take much time or energy to monitor your home for safety issues during the winter. If you need more ideas or would like to get information on home insurance, feel free to contact ALLConnecticut Insurance serving West Hartford, CT.

What Is Toy Hauler Insurance And Why Do I Need It?

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Whether you anticipate winter because you can’t wait to hit the snow with your snowmobile, or if you’re anticipating warmer weather in West Hartford, CT that’s perfect for bringing out your dirt bikes and ATVs for an exhilarating adventure, one thing you shouldn’t overlook is insurance protection for your toy hauler. Your toy hauler is a great way to get your equipment from here to there safely, but it’s an expensive investment, so it’s important to get insurance coverage with a specialty RV policy before you hit the road with your toys. With the right ALLConnecticut Insurance policy, you’ll have the peace of mind from knowing that you are covered if anything happens to your toy hauler. 

What Kind Of Insurance Do I Need For My Toy Hauler? 

There are several different types of toy hauler insurance that cover different kinds of losses, including: 

Total Loss Replacement — This insurance replaces total losses with the latest available model or a comparable model. If the latest model is not available.  

Contents Coverage — Some basic hauler policies don’t cover any items you have inside your hauler. Contents coverage is a great policy because it will cover all of the items contained inside your hauler in the event that it is damaged.  

Agreed Value Coverage — This coverage will pay you the amount you originally paid, or the appraised value of the hauler, in the event of a total loss, with no deduction for depreciation or standard deductible. 

At ALLConnecticut Insurance, we’ll find the perfect policy to match your price and protection requirements. We work with numerous high-quality insurance companies, making it easy to compare West Hartford, CT toy hauler insurance policies to determine the best policy for your specific needs. Give us a call today and talk to an experienced agent for more details. 

How Business Owners Reduce the Risk of Losing Everything

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America is very litigious. Any small business owner knows that a lawsuit can come up at any moment. This is not a matter of if it will happen, but when it will happen.  Liability exposure from a major lawsuit could be in the many millions of dollars. Does that mean every commercial insurance policy must have a limit of multiple millions? No, not necessarily. 

What are the risks?

Workers’ compensation insurance generally limits the ability of employees to sue for on-the-job injuries. It also limits the ability of the surviving family members to sue an employer in the case of death. The worker’s compensation insurance pays those claims and not the employer. This protection works for most cases, except if the employer’s negligence was a contributing factor.

An example of extensive liability comes from an accident with a vehicle covered by commercial insurance. If people are killed in the accident, liability exposure may be very high. Product liability insurance has the same problem with no upper limit of the risk exposure.

Protecting Net Worth

The solution for most business owners is to protect their net worth and manage the risk of losing everything from a lawsuit by carrying umbrella insurance.  Talk this over with your agent at ALLConnecticut Insurance serving West Hartford, CT.

Umbrella insurance provides extended protection of underlying insurance policies. Once those underlying policy limits are reached if a covered claim exceeds these amounts then umbrella insurance provides additional coverage.

Most business owners have umbrella insurance that is at least equal to their net worth. 

For example, a business owner with a net worth of $6 million may want to carry commercial vehicle insurance with a $1 million liability limit and general liability with a $1 million limit and then have umbrella insurance with a $5 million limit. This would be the amount that could help protect the $6 million in net worth.

Summary

Every business owner’s situation is different so consult with your agent at ALLConnecticut Insurance in West Hartford, CT about how umbrella insurance can help protect you from losing everything.

Why You Need Insurance for Your Recreational Vehicle or 4-Wheeler

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Owning a recreational vehicle is a lot of fun for the entire family and offers a great way to spend time together outdoors. While many people think that because they primarily use these vehicles on private property they do not require insurance but this is not always the case. In addition to legal requirements, there are a number of compelling reasons why a policy for your recreational vehicles is a smart idea. The ALLConnecticut Insurance team is here to help our friends and neighbors in the greater West Hartford, CT meet all of your insurance needs.

Why You Need Insurance for Your 4-Wheeler of ATV

Insurance is not just a legal obligation, it is also a protection from personal liability. If you are on your ATV and have a mishap the repairs for your vehicle as well as the cost of any medical expenses will fall to you. This is also true if a passenger or third party is injured. Dealing with an accident that injures you, your child, or one of their friends is stressful enough without the added complication of personal liability.  When you have an appropriate recreational vehicle insurance policy you will be protected in the event of a covered accident, theft, or vehicle damage. Don’t think that because you only use these vehicles on private land that you don’t need insurance! Our team is here to assist you in the process of learning more about the available options and determining which is right for your needs.

If you have a 4-wheeler or another recreational vehicle, it’s time to find out more about your insurance options. We welcome residents in the greater West Hartford, CT area to come and meet with the team at ALLConnecticut Insurance today!

How Commercial Insurance is a Great Business Investment

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One dream that a lot of people share is to one day own their own business and become their own boss. For those that are in the West Hartford, CT area, this local economy provides many different amazing opportunities for small business owners. If you do own a business in this area, you need to make sure that you are protecting it as much as possible. One great way to do this is through a commercial insurance policy as it will protect your small business in several different ways and will prove to be a great investment.

Covers Your Assets

No matter what type of business you were in, there are bound to be a variety of assets that you need to purchase in order to get your business off the ground. It would be devastating if you were to lose any of these assets to a fire, theft, or any other situation that could cause a loss. Because of this, investing in a commercial insurance policy that has a property insurance company would be a great decision.

Liability Risk Mitigation

The risk of liability is significant for any type of business. Due to this, you need to make sure that you are mitigating against this risk as much as possible. When you get a commercial insurance policy with a liability component, you will have protection against this risk.

Commercial insurance is clearly a great investment for any small business owner. For those that are in the West Hartford, CT area, a great place to start getting insurance is through AllConnecticut Insurance. The team at AllConnecticut insurance is very familiar with all of the challenges that come with owning a business. They can help you develop a commercial insurance policy that will protect your organization as well as possible.

3 Things to Look for When Replacing Your Home’s Windows

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In West Hartford, CT, the agents of ALLConnecticut Insurance offer to help homeowners find the right replacement windows for their next renovation project. The windows you have installed in your home are an investment. They can explain different features to look for as well as signs of quality workmanship and materials that will ensure your new windows last several years.

Energy Savings

New windows come with an energy rating that is designed to inform you of how much energy you can expect to save over their lifespan. The EPA develops the energy rating based on several different factors that determine how much energy can be saved when the windows are professionally installed and sealed properly.

UV Rating

The UV rating determines how much ultraviolet let can travel through the window glass. UV rays can fade carpet, increase the temperature inside the home, and cause furniture to become discolored. Reducing the number of UV rays that enter your home will protect both you and your possessions.

Quality Construction

It’s important to remember the quality of a window in terms of both workmanship and materials. Windows must be able to seal properly without any gaps, openings or leaks. Before purchasing any type of window, do your research to determine how well rated they are in terms of weather-proofing and preventing drafts.

At ALLConnecticut Insurance, our agents are always available to discuss your options when it comes to making improvements to your home. If you live in West Hartford, CT, call and schedule a meeting today. During the consultation, our agents will go over several things to look for when choosing your replacement windows and doors. Call us today.

Update Vehicle Insurance For Camper or Trailer Use

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If you are thinking about towing a camper or something like a boat on a trailer, before you do this, call us to speak with your agent at ALLConnecticut Insurance, serving West Hartford, CT and the surrounding communities. You will want to have your agent conduct an insurance review and to make recommendations about adjusting any auto insurance coverage as needed to make sure you have adequate protection.

Insure the Vehicle

Towing something increases strain on a vehicle and requires paying careful attention to driving. The common phrase for an accident caused by towing something is when a driver experiences a “jack-knife.” This is when the trailer is moving in a direction toward the vehicle in a way that is out of control. In some cases, the weight of the trailer causes the vehicle to have an accident. Sudden braking can cause an accident from this dynamic.

Insure What is Being Towed

You will want to discuss with your insurance agent the coverage needed to protect the item being towed and any contents it may contain. Consider replacement coverage because that is superior to just have coverage for the actual value, which is usually much lower.

Emergency Road Assistance

If you are towing a camper for vacation purposes, it is a good idea to have road assistance coverage, rental car expense coverage while needed repairs are being made, and vacation insurance. With these extra options, the risks of having a vacation spoiled by trouble with the vehicle, camper, or the trailer are reduced.

Summary

It is fun to go camping or take the boat out to the nearest lake. Be sure to manage your insurance needs when doing this and then you can enjoy the trip while having peace of mind that adequate insurance is in place.

Contact your agent at ALLConnecticut Insurance in West Hartford, CT to get an auto insurance review and a quote for auto insurance that includes protection for anything you want to tow.