You may associate the phrase with some kind of fun pastime or big-ticket trip. The truth is, this type of insurance, offered in West Hartford CT through ALLConnecticut Insurance, can give you peace of mind on a vacation – just not in the way you might think.

Recreational insurance covers campers, recreational vehicles, and all off-road vehicles beyond that.

Why You Need Recreational Insurance

Simply put, whether in West Hartford, CT or anywhere else, your RV must be insured in order for you to legally drive it. Upon registration at the Department of Motor Vehicles, you have to show proof of insurance along with other documentation certifying that the vehicle is yours to own and drive.

If you are caught driving your RV when it’s uninsured, you may be subject to a putative fine or even some jail time.

Why Not Include Your RV In Your Home Or Auto Policy?

It’s true: You can attach your recreational vehicle to your home or auto coverage. That being said, there are some negatives to insuring your RV that way.

For instance, if you include your camper in your home insurance policy, it’s not covered as long as you drive it onto the highway. in fact, your RV may not be eligible for coverage through your homeowner’s policy if you plan on driving it for interstate trips.

A policy specific to your Recreational vehicle can provide you with ample coverage for anything from accidents to driving across state lines. It’s not limited to a specific area unless that is what you request when customizing your policy.

Ready To Ride In Your RV?

If you’re ready to take that new camper on its first road trip, contact ALLConnecticut Insurance to get a quote for your recreational coverage. Without properly insuring your RV, you won’t be able to drive it out of West Hartford, CT, or even your own yard. So what are you waiting for? Purchase your recreational insurance policy today.

Most people that are in the West Hartford, CT area likely have some personal liability insurance that is through their home or auto insurance policies. In some situations, this could be enough coverage for somebody. However, those that would like to have even more liability insurance should consider getting an umbrella insurance policy. One of these insurance policies can provide you with additional liability coverage a number of different ways.

Additional Coverage 

One of the benefits of getting in an umbrella insurance policy is that it will give you additional coverage. When you get a home or auto insurance policy, you will receive liability coverage up to the amount stated in the policy. There are situations in which this may not be enough coverage for you. If you are found liable in some more extreme situations, your umbrella insurance policy will go into effect.

Coverage for Other Situations

When you get this type of coverage, you also will get liability coverage for situations that may not be covered by your home or auto policy. An umbrella policy will give you coverage for a variety of different situations that may not be covered by your other liability insurance policies. This could prove to be very valuable in some situations that are not covered by your other policies.

If you are in the West Hartford, CT area and think that umbrella insurance could be a good option for you, you should reach out to the team at ALLConnecticut Insurance. The professionals at ALLConnecticut Insurance are very aware of all of the benefits that come with umbrella insurance and can get you into a great policy. 

Recreational vehicles, or RVs, are a fantastic vehicle to have and they can truly make any trip special. That being said, they do need special insurance that cannot be satisfied with your auto policy or your home policy. So what is recreational vehicle insurance, keep reading to find out. For those that live in the West Hartford, CT area, the agents with AllConnecticut Insurance can help you to find the policy that works for you.

Recreational vehicle insurance is somewhat of a hybrid between an auto policy and a home policy. it protects both the automobile components of your RV as well as the homier aspects like appliances and contents. This is an essential coverage as it will protect you if you are in an accident and will help you to rebuild or repair your RV after your accident is settled. This type of policy is necessary to make sure that your RV is protected in all aspects no matter what. If you do have an auto policy that you can add your RV to, you can do that as well as take out a policy that is geared specifically to your RV.

RV insurance is something that anyone that has an RV can benefit from, even if they do not get out and drive it much. Your insurance covers both issues that pop up while on the road as well as those that might occur while you are parked like fire or damage to appliances. An RV policy is going to give you the peace of mind knowing that your RV is protected and that even if something does happen, you are not going to have to shoulder all the responsibility of repairs or costs on your own. For those in the West Hartford, CT area, the agents with AllConnecticut Insurance can help.  

You wouldn’t think that a golf cart would need insurance, but you’ll need some form of coverage if you plan on driving one on the roads of West Hartford, CT. The state’s General Assembly passed a law in 2009 allowing golf carts on local streets where the speed limit is 25 mph or lower. All you need is to be a licensed driver and have your golf cart protected with some form of insurance coverage.

Golf carts and other low-speed vehicles (LSVs) have gained popularity in many communities and a few have even designed themselves around these vehicles. If you’ve already found recreational insurance coverage thanks to the experts at ALLConnecticut Insurance, you’re probably wondering if it can cover your golf cart.

Golf Cart Coverage Options

You can cover your golf cart with an endorsement to your homeowner’s insurance policy, but it’s only valid as long as you’re riding on your own property. Once you hit the city streets, you’ll need coverage that’ll protect you in case anything happens on the road. Unfortunately, most auto insurance policies don’t cover golf carts or other recreational vehicles, for that matter.

Recreational insurance can cover a wide variety of vehicles that normally wouldn’t be covered under your current auto or homeowner’s insurance policy, including ATVs, RV campers and yes, even your golf cart. By putting your golf cart under your recreational insurance policy, you’ll have the coverage needed to protect yourself and others in case the unexpected happens.

Some insurance providers even offer standalone golf cart insurance policies. It’s worth exploring one of these policies if you haven’t yet opted for recreational insurance.

If you can’t wait to ride around West Hartford, CT, get the right coverage from ALLConnecticut Insurance first. Contact us for all of your insurance needs.

Most people understand the basic need for insurance policies to protect various aspects of their life and to protect their family in the event of an emergency. However, not everyone knows about Umbrella Insurance and the additional insurance available to them. At ALLConnecticut Insurance we want all of our West Hartford, CT clients to fully understand all of their insurance options to make sure that each of you are fully covered and protected in any situation that arises. 

Who Can Purchase Umbrella Insurance?

Anyone can add umbrella insurance to their insurance policy if they want additional coverage. Many people do not know about it, or they do not understand the simplicity of adding additional coverage but the option is there for any Connecticut resident with insurance. 

What Does It Cover?

Umbrella insurance covers additional costs that your other insurance policy does not reach. For example, if you are in a car accident and your car insurance covers a chunk of the fees and reparation you may be left with some bills after the dust settles. If you previously purchased an umbrella policy on your car then this policy will likely make the difference, depending on the terms. Not all people need additional coverage, but if you have additional risk, like driving more than others then it is a good idea. Other uses of umbrella insurance include adding it to your homeowner’s insurance in case of an event or loss that is specific to you but not written in a typical insurance policy, or adding to your current policy if you are a public figure who may be at risk of litigation. 

Contact us to discuss your insurance needs and to make sure you are fully protected, no matter your unique situation. We serve West Hartford, CT and the surrounding areas with quality insurance services for every aspect of your life. Call us at AllConnecticut Insurance today! 

An ATV, or all terrain vehicle, is used to get across a variety of spaces ranging from woods to open fields. Although they are generally a safe way to get around in rural areas or farms, they can also pose risks to riders. So, is recreational vehicle insurance necessary for anyone who rides an ATV?

ATV Coverage

Owners of ATVs are highly encouraged to purchase recrational vehicle insurance to help protect from injury and accidents that can happen at any time while riding and from theft when they are parked or loaded on a trailer. Recreational vehicle insurance coverage works much like auto insurance because it provides accident and liability protection for a variety of items such as ATVs and even jet skis. Each policy is different and can be tailored to fit the policyholder’s specific needs. 

Working WIth A Knowledgeable Insurance Agent

Anyone who wants to purchase recreational vehicle insurance for their ATV should work with an agent with extensive experience providing insurance products for similar situations. They can help ATV owners discover policies that can provide just the right amount of coverage and make the selection process quick and easy. People who live in and around the West Hartford, CT area should speak with an agent at ALLConnecticut Insurance to find out how they can help them get reliable ATV insurance coverage. 

Don’t risk riding an ATV without insurance coverage. ALLConnecticut Insurance can help the residents around the West Hartford, CT area finds the right policy to give them peace of mind while riding. Call or stop by the office today for additional details and answers to any questions.