A recreational vehicle is excellent for road trips, especially if you don’t want to deal with hotels. Instead of having to try to sleep on a possibly bed bug infested mattress in a motel, you get to enjoy your own RV set up. However, a standard auto insurance policy doesn’t cover all of the unique requirements that RVs need.

It does have the standard needs for a car insurance policy. You have to have liability insurance for RVs that are motorized, in case you get into an accident. It’s also helpful to have other types of auto insurance for it, to cover repair costs and other issues. The RV also acts as your home away from home, so there are elements of house insurance in it as well.

You don’t want to arrive at your destination without essentials like your clothes and entertainment devices. If you end up having a loss due to an accident or weather, the RV insurance will end up covering it. Another unique aspect of recreational vehicle insurance is the fact that you often keep the vehicle stored for the off-season. You don’t need to keep full insurance on it in that circumstance, if you have a flexible policy that sets you up with off-season storage coverage instead of a full policy. You are restricted when you can drive the RV around, however.

Talk to us if you need help with your RV insurance in New Britain, CT. We have a handy free online quote system set up so you can talk to us when you get a chance and find out what insurance package you need.

Whether you want to spend quality time with your loved ones, enjoy a second home, or go anywhere and when you please, Connecticut and a recreational vehicle are the perfect combination. Before you head out, make sure you have appropriate RV insurance coverage.

Motor Vehicle Coverage

Connecticut drivers must register the motor vehicles that they drive on the highways. And, when you register your motor vehicle, you need to show proof of insurance coverage. You’ll need to prove that you have at least the minimum liability and property damage coverage. You also need to have coverage for underinsured/uninsured motorist.

Home Owner’s Coverage

You likely carry a lot more personal things in your motor vehicle than you carry in your car, especially if your RV doubles as your home. So, you’ll need insurance coverage that’s like a homeowner’s insurance policy. This means you need liability coverage and you need coverage for your belongings — whether stored in your RV or at a remote location.

Replacement Coverage

Consider getting replacement coverage for your RV. If you have a newer RV, the insurer might replace it with a similar one if someone steals it or if it’s totaled in an accident. For older RVs, you might get money toward buying another RV.

Coverage For Permanent Attachments

Adding accessories such as awnings, wheelchair lifts and towing kits, makes life easier and more comfortable for you. These items also increase the value of your RV, so get coverage to protect your investment.

Campground Coverage

Parking your RV at campgrounds can bring exposure to unexpected risks. For example, your accidental fire might cause damage to the campsite. Make sure you have coverage that protects you if you’re liable for accidents at a campsite.

Driving or living in an RV can expose you to plethora risks. So, if you’re looking for coverage in West Hartford, CT, contact your AllConnecticut insurance agent today. You don’t want to get caught with inadequate insurance. It’s a sure way to put a damper on your RV experience.

There are a couple of things we hope you look at when considering CT insurance agents. First of all, look for an agency whose mission it is to actually meet your needs rather than simply collect your premiums. Next, look for an agency in West Hardford that helps you find the best policy for your needs. An agent should never choose for you, then expect you to sign on the dotted line. What you want in an agent is someone who will help you navigate the sometimes murky waters of insurance terminology to find a policy that truly fits your particular situation.

One thing we do in order to help you make the most educated decision possible is offer an online comparison tool. You simply type in what you are looking for and you will see the insurance offerings of several different carriers. It can be interesting to compare those policies against one another, to insure that you are getting the most comprehensive coverage at the best cost possible.

People can be surprised to learn that there is coverage available that had not occurred to them. Perhaps an agent once mentioned it, but there were so many other factors to take into consideration that some facts slipped through the cracks. Once they are examining coverage from the comfort of their home, with all the time in the world to look at the details, they begin to notice features that might be important to them one day. For example, snowbirds might suddenly realize that they do not have to pay full coverage on that car they leave in Connecticut each winter because they are storing it in a garage. Comparing rates from different carriers can also give you the peace of mind of knowing that you have found the best possible coverage at the best possible price.

Motorbike insurance that is appropriate for your vehicle in West Hartford, CT can depend on a variety of factors. By understanding your options, you can quickly narrow down the choices and find the plan that is most appropriate for your goals and concerns.

Start with the Minimum

The state minimum standards are always an option when you are not sure about the coverage that you need. Every motorcycle rider is required to obtain a minimum liability policy, though you can add to that basic plan with additional coverage to address specific concerns or preferences as well.

Keep in mind that the minimum standard is only one option. You can always purchase more coverage if you prefer to protect your vehicle more carefully. The options that are available can depend on several different factors, so you may need to compare the policies before you decide on a course of action.

Comprehensive Plans

A comprehensive policy is another option that is available for any motorcycle rider. The plan will usually offer coverage for the most common threats, with the exception of collisions. For example, it will pay for the loss of a motorcycle after it is stolen or if it is damaged in a storm. It will not generally pay for collisions unless you add to the policy so that you have the coverage available. The details regarding your options for collision protection may vary between insurance providers and companies, so you may need to look at a few plans to find the best option.

There are a variety of options that range from the minimum coverage to meet state requirements to the full protection that can be purchased to protect against any threat. Contact us to talk to an agent to learn more about protecting your motorcycle today.

Purchasing boat insurance in Hartford, CT requires some considerations for the type of coverage that you are purchasing. The losses that are covered in a policy can vary based on several factors, including the type of plan that you bought.

Liability Plans

The most basic policy that you might purchase is designed to address liability concerns rather than your boat. Generally, it will pay for damages that you cause to another boater or individual on the water. It can also help pay for medical expenses if a guest on your boat is injured.

A liability plan is not usually enough to cover all of your concerns, so you may need to purchase additional protection if you have worries regarding accidents, storms or other forms of damage that may arise.

Policy Options

Since the details of any policy can vary, it is important to recognize the losses that are covered by a variety of options. The policies that are available through any insurer can vary, so you may need to compare several choices before you finalize a plan.

Some insurers offer options that will pay for the losses to your boat in an accident. It can help pay for repairs as well as any towing or clean-up that may become a concern.

You can also purchase policies that specifically address concerns regarding towing in the water or hauling a boat to a repair center. Some insurers may allow you to add the coverage to a basic liability plan as well.

The specific losses that are covered by any policy depend on the situation and the plan that you purchased. In some cases, you may have limited coverage. Other plans may cover most losses that can arise. Contact us to talk to an agent to learn more.

Auto insurance provides basic insurance for your recreational vehicle, but many insurance companies have RV coverage specifically for a reason. A RV is not your typical vehicle, and faces insurance challenges that you’re not going to run into with the family car. Some of these challenges include the amount of personal assets stored in the vehicle, what happens if the RV gets damaged while it is stored in the offseason, and how to handle the plumbing or electrical systems in the RV.

The first area where RV insurance is different is that you can get RV coverage that protects the vehicle when it’s stored on the premises during the off season. Since so many RVs are used to travel during the summer and autumn months, they don’t need full auto insurance coverage during the time they are stored. Instead, the storage protection covers the vehicle in case it is damaged while in storage, or if it causes damage.

The second area is that it functions like homeowners insurance for personal assets and the house systems on the vehicle. If your assets are lost, destroyed, or stolen, you can file a claim so you aren’t running around without any spare clothes or housewares. It also covers certain issues within the systems of the RV as well, such as the electrical system.

Finally, RV insurance also provides protection against accommodation costs if your RV breaks down during a vacation. This RV coverage helps you pay for hotels or other places to stay throughout the course of your vacation when you can’t use your RV.

Talk to your local independent insurance agent in East Hartford, CT, to get quotes and more information about RV insurance, instead of hoping that plain auto insurance will do the trick.

Whether you rent property to live in or to conduct business, renters insurance gives you peace of mind. You can rest easy knowing that you can replace your personal or business property if an accident occurs, or if a covered peril prevents you from occupying your rental.

Private Residents …

Protects You If Someone Gets Hurt In Your Home

Property owners often have insurance coverage for their buildings. This coverage often extends to areas accessible to the general public. If someone gets hurt in a private area, such as inside your apartment home or a garage that your rent, you might be liable to pay damages. Renters insurance can pay for these expenses.

Replaces Your Belongings

If there’s an accident that causes you to lose your things, you can get money to replace them. This includes losses caused by natural disasters such as storms or fires, and losses due to theft or vandalism.

Pays For a Temporary Home

Also, if a covered disaster forces you to leave your leased home, renter’s insurance pays for the cost of your temporary home. It pays the rent while you wait for your landlord to complete repairs on your home.

Business Owners …

Protects You From Lawsuits

If you’re a business owner, you might be liable for incidences on your property. Your liability depends on the terms of your lease and your agreement with the landlord. Where the incident occurs also has an impact on who’s liable. Get liability protection for anything that’s not outlined in your lease or a written agreement. You can protect yourself from lawsuits when accidents occur in areas for which you are responsible. This includes private parking lots that you maintain and inside of your buildings.

Examples of incidents for which you might need liability protection include the following:

• A customer or business associate gets hurt while on your rental property
• Your customer, guest or employee damages the rental property
• Your equipment damages the rental property

Call or visit AllConnect Insurance to find out about options available for protecting your rental property.