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. 

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!

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.

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.