How is West Hartford, CT, different from Florida? For starters, you experience real seasons up north. That means that some of your favorite toys might regularly see multi-month spans of disuse. Those are the times that have you wondering if you really need to keep them insured throughout the year. That’s a great question, so let the experience of AllConnecticut Insurance shed some light on the situation.

How Off Is the Off Season?

There are plenty of instances where seasonal coverage will save you money on your annual premiums, but you need to be sure that the off season is reliably filled with down time. Here’s the question: how often are you tempted to take the boat out during the cold months? If the answer isn’t a resounding zero, then seasonal coverage might not be your best option. Conversely, there are situations where the off season is reliable. You aren’t going to be taking the snowmobile for a spin in the middle of the summer, right?

The other simple consideration for seasonal coverage is how long the off season actually lasts. Since these things usually revolve around weather, you want to have some wiggle room in your policy to extend coverage for an abnormally long cold or hot session.

Does it Go in Storage?

This is another important consideration. If your boat stays on a dock all winter but is still exposed to the elements, you don’t want to completely kill your storage. The same can be said for a toy that sits outside under a tarp. There are still elements of risk there. If your toy has a clear off season but doesn’t get put in protective custody, there’s a third option to try and save a little money.

Most people overlook it, but many toy policies include room for you to toggle your deductible. A higher deductible in the off season can lower your overall premiums without leaving you completely uninsured against the unthinkable.

In the end, your toy coverage necessities boil down to personal preference and lifestyle choices. That’s why your best bet is to go ahead and have a nice conversation with your AllConnecticut Insurance representative. They’ll help you plan around all of the West Hartford, CT, seasons to get a good deal.

Residents of West Hartford, CT love going camping and taking off on trips with an RV. At ALLConnecticut Insurance, we find that getting a policy before a trip is usually a wise decision. That’s because it can help to protect your investment, even in situations where a policy is not mandatory.

RV Insurance is Often Optional

While RV insurance is usually a good choice, it is often optional. For example, people who own their motorhome without any financing are not required to get insurance. However, motorhomes that are being financed usually require policies because the lender will make it part of your loan deal. That said, towable vehicles, such as pop-up and fifth wheels, usually don’t require insurance to own and use. That said, just because a policy is not mandatory doesn’t mean it isn’t a good idea to have one, particularly if you are going on a trip.

Policies Are Wise if You Are Traveling

Even if RV insurance isn’t required in your instance, it is still a good idea to get it before going on a trip. Imagine driving your motorhome up a mountain and suffering from brake failure. The damage you cause before you finally stop could be catastrophic. And without liability or collision coverage, you are going to be left in a strange area with a huge repair bill and potential lawsuits on your hands. These situations could be easily handled with liability and collision insurance but not so much if you don’t have these policies to protect you. 

Let Us Know if You Need Help

Residents of West Hartford, CT who plan on going on a trip with their RV should contact us at ALLConnecticut Insurance to learn more about their policy options. We can help you sort through the confusion and get the right coverage for your trip and your travel needs.

Nobody wants to think about having a boat accident; however, knowing what to say and do if you happen to have one is an important consideration for all boat owners. There are certain steps to take in case there are people injured or killed. There are things to do to help those in need. There are things not to do and things that should not be said. This is a helpful guide from the agents at ALLConnecticut Insurance, serving West Hartford, CT and the surrounding area.

Safety First

After a boat accident, if you are still onboard and the boat is afloat, determine if anyone is injured and needs medical assistance. At the same time, evaluate the safety of remaining on the boat. Stay calm and do not panic. Focus on making good decisions and taking the appropriate actions depending on what is happening.

In some boat accidents, the fuel explodes into flames. If there is any risk of this occurring or if the boat is already on fire, help everyone out of the boat and get into the water. Move as far away from the burning boat as possible.

If the boat is sinking, make sure everyone has a floatation device and get into the water. Move away from the boat to avoid the boat pulling you down under water from the vacuum caused by its sinking.

If there is no risk of the boat sinking, or from fire, or explosion, do the opposite and stay on the boat. Help anyone that fell overboard to get back into the boat. Help the injured by giving first aid. Use any available communication system to send a “May Day” distress call for help to the Coast Guard.

Gather Information

Once you are sure everyone is OK and out of danger, gather information about the accident, such as the contact information for everyone involved including the boat owners, passengers, witnesses, and insurance companies/policy numbers (if available) for the involved parties. Take photographs of the scene and the damage.

Report the Accident

Federal law requires the boat accident to be reported if anyone is injured enough to need medical care or killed. Moreover, if the damage exceeds $2,000 a report must be filed with the U.S. Coast Guard. Do not admit the accident was your fault or say you are sorry about it to anyone.

Contact Your Insurance Agent and an Attorney

As soon as possible contact your insurance agent to inform them of the accident. It is also usually a good idea to contact an attorney that specializes in boat accidents regardless of who is at fault for causing the accident.

For peace of mind, ask your agent at ALLConnecticut Insurance in West Hartford, CT to review your boat insurance to make sure the coverage is adequate.

Residents of West Hartford, CT have many fun places to take their RV camping. However, a failing air conditioner is always an issue because it can make it impossible to enjoy your camping experience. If you are worried about whether or not your policy will pay for repairs, contact us at ALLConnecticut Insurance to learn more.

Appliance Coverage Is Typical In RV Insurance

When you buy RV insurance, you are typically not only insuring the vehicle but the appliances inside. That’s because these vehicles are unique because they allow you to live in them either temporarily or permanently. Therefore, they are also considered a home unit.

So items such as the refrigerator, television, plumbing systems, and your air conditioner can be covered. It all depends on the scope of your policy and how you set it up with your insurance provider. As a result, it is critical to know when your policy may fail you.

When Your Policy May Not Cover Air Conditioner Repair

If you did anything to cause damage to your unit, such as faulty personal repairs, you may void your coverage on your air conditioner. That’s because insurance companies won’t cover damage that you directly caused through incompetence or malice.

However, they will often cover issues that occur when somebody else performs poor repairs. That’s because you hired them in good faith and they failed to provide you with high-quality service. Talk to your provider about this issue to learn more about how it affects you.

Getting The RV Insurance You Need

Make sure that you talk to us at ALLConnecticut Insurance if you own an RV with an air conditioner. We can help West Hartford, CT residents get the coverage they need for their recreational vehicles and avoid the kinds of common issues that make air conditioners fail.

Toy insurance is an important coverage option for many adults. If you have the right level of coverage, all of your family’s recreational vehicles can be covered. A “toy” can be a moped, motorcycle or even an ATV. While not everyone needs toy insurance, many do.

AllConnecticut Insurance several toy insurance options. Before picking the policy which works best for you, it’s a good idea to understand why toy insurance is needed in the first place.

Reason One: You Have A Lot of Toys

A lot of homeowners have numerous toys to protect. These include sailboats, jet skis, dirt bikes and more. You’d be surprised how many of your toys can be protected by a comprehensive policy. Serving the West Hartford CT area, our agents can pinpoint the toys you need protection for.

Reason Two: You Have a Vacation Home

Even if you don’t use your toys year-round, you still need to protect them. In cold weather, mold, mildew, dust and other toys, your high-powered weekend warrior vehicles can get damaged. You’d be surprised how easily an ATV, moped or motorcycle can degrade over time. If you have a vacation home—and if you use your toys infrequently—toy insurance is your best friend.

Reason Three: Your Friends and Family Use the Toys

Who doesn’t like sharing their toys? Share the joy—but be safe when doing so. If you’re on vacation, make sure your toys are protected from unforeseen circumstances. If your toys are nicked, dinged or completely run into the ground, you’ll need fiscal protection. Toy insurance can cover the damages, keeping your money where it belongs: in your pocket.

AllConnecticut Insurance wants to protect its community. If you live in West Hartford, CT, contact one of our providers today. Protect your toys, and give your family and friends years of entertainment.

For those who are yet unfamiliar, RV insurance is a type of coverage that protects recreational vehicles of all kinds. No matter is you have a travel trailer, motor home, fifth wheel, pop-up camper, or any other vehicle that can be classified as recreational, purchasing RV insurance is the best way to protect your vehicle. Do you live in West Hartford, CT and need coverage for your recreational vehicle? The following is a closer look at 3 benefits for purchasing RV insurance. 

Personalized Policies

Given that RV insurance is an umbrella which includes coverage for a variety of recreational vehicles, no two policies are exactly the same. Purchasing RV insurance allows you to get the exact coverage you need for your vehicle. 

Full Replacement Coverage

Moreover, given that RVs can come in all types, including those that are limited edition and custom, there is also an option for full replacement coverage. In this case, you will never have to worry about taking a loss on your RV as you will receive the agreed upon value in the unfortunate event that it gets totaled. 

Bundling Option

Last but not least, purchasing RV insurance also allows you to combine insurance packages and save money. For instance, if you already have insurance on a personal vehicle, you can potentially have the 2 packages combine and save a percentage on both.

Overall, for those living in West Hartford, CT, AllConnecticut Insurance is an excellent option for RV coverage. Simply call, email, or stop by the AllConnecticut Insurance today to find out how you can start your policy immediately and maybe even save some cash in the process.