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. 

Business owners in West Hartford, CT who are involved in the outdoor recreation industry require special insurance coverage. Whether you rent sports equipment to tourists or provide guide services, your current insurance plan may not offer all of the protection you need. ALLConnecticut Insurance carries a variety of business policies, including outdoor and recreation coverage for adventure-based businesses. What can these policies do for you that traditional liability coverage can’t?

• Operate an ATV rental service? You may be liable for injury or damage caused by your rental equipment, even if you aren’t there when the accident occurs. Outdoor and recreation coverage, in addition to your commercial auto insurance package, ensures that you have the funds to cover any possible financial liabilities.
• Gun ranges are a popular pastime for families and active individuals. Protect your interests from accidents or malicious intent with an active outdoor and recreation insurance policy. Your policy will also cover your food courts, indoor activity areas, and instructors.
• The areas around West Hartford, CT are perfect for fishing, hunting, and other game-related sports. Get your guide service covered to ensure that any accidents don’t ruin your ability to make a living.
• Tour guides who use jeeps and other motorized vehicles to transport their clients need more than commercial auto insurance to protect their interests. An outdoor and recreation policy is the best way to protect your clients, equipment, and your own life.
• RV parks often become second homes for outdoor enthusiasts. However, some guests don’t know how to treat the property of others. When the damage goes beyond what your other insurance policies can cover, your outdoor and recreation coverage can help pay for repairs.

 Contact ALLConnecticut Insurance for more information on protecting your adventure-based business with outdoor and recreation coverage.

 

Sometimes one general insurance policy is just not enough. In the event that you get sued for an exorbitant amount of money, an umbrella insurance policy could save you from financial ruin. Also known as excess liability insurance, umbrella insurance goes into effect once you have reached your basic liability limit or if the claim is not covered by your personal policy. It will help make up the difference in what you owe, so that you avoid the loss of assets, destroying your business, repossession of home, or declaring bankruptcy. AllConnecticut Insurance in West Hartford, CT can help you figure out whether or not umbrella insurance is something you should be considering.

What Does Umbrella Insurance Cover?

While umbrella insurance is a great option for some who might need additional insurance, it is not a complete catch-all. It will not cover just anything. Here are some examples of what it covers:

• Lawyers’ fees
• Other party’s property damage
• Other party’s medical treatment
• Lawsuits involving defamation of character or slander

Here are some examples of what umbrella insurance does not cover:

• Your injuries
• Criminal acts
• Damage to your assets
• Other party’s injuries, for which your business is responsible

Who Needs Umbrella Insurance?

Even though excess liability insurance is not a requirement, there are certain types of people who invest in policy more often than others. Those who commonly purchase umbrella insurance relate to one or more of these factors:

• Property owners
• Have substantial savings
• Likely to be sued
• Have more assets than covered under the personal liability policy

If it sounds like your circumstances call for excess liability insurance, be sure to reach out to AllConnecticut Insurance in West Hartford, CT. They will be able to assess your situation and give you professional advice on whether or not umbrella insurance is the right choice for you. 

Recreational Vehicles (RVs) are a combination of a vehicle and a mobile home. To be certain that you have adequate insurance coverage, there are important considerations, which you should discuss with your agent at ALLConnecticut Insurance serving West Hartford, CT and the surrounding areas. You want to have adequate insurance for the RV and you also want to have insurance for its contents.

Insuring Your RV Against Loss from Accidents

Connecticut is an “at-fault” state. This means that the owner of an RV is responsible for the damages caused by an accident that is determined to be their fault. This includes needing liability coverage for property damage and the injuries or deaths of any people involved. In Connecticut, if the vehicle insurance limits do not cover the damage, you can be sued for the additional amount along with additional financial claims for pain and suffering.

Insuring Your RV Against Loss from Theft and Vandalism

Having adequate insurance for the contents of an RV is necessary to protect from the risks of theft and vandalism. This includes having protection if the RV is sometimes put into storage. If you have any high-value items that you take along with you, be sure to tell your insurance agent about them. For example, precious jewelry that is taken along to wear on a vacation trip needs to be itemized for proper insurance coverage.

Insuring Your RV Against Loss from Disasters

There are two types of disasters that you need to consider, which are natural disasters and those made by people. An RV needs to have adequate insurance against both. Floods, high winds, thunderstorms, hail, tornadoes, wildfires, earthquakes, hurricanes, and other natural disasters can impact an RV depending on where it is located. Disasters caused by people, such as accidental fires, need to have protection as well.

Talk with your agent at ALLConnecticut Insurance in West Hartford, CT about these details for adequate RV insurance and ask them about emergency road assistance and special coverage for the cost of alternative accommodations if an RV cannot be occupied if it needs to be repaired while on a trip.