Today in West Hartford, CT, golf carts are used for more than golfing. Many use golf carts to get around large properties, drive around their neighborhood, and even take down the road to a nearby store. With so many using golf carts for so many different reasons, it brings up the question, “Do you need recreational insurance for your golf cart?” Continue reading to learn more, and then call ALLConnecticut Insurance for additional information. 

Is Insurance Required for Golf Carts? 

The need to have insurance coverage for a golf cart depends upon its purpose and where it is driven. For example, if the golf cart is road-ready, an insurance policy may be required before driving it on the road. 

Road-Ready Golf Carts

As previously mentioned, road-ready golf carts may need insurance coverage. This insurance coverage is required when you plan to drive your golf cart on the road. For example, it is necessary to use the cart to get around your neighborhood or on a route to go to a local store. 

Non-Road-Ready Golf Carts

Non-road-ready golf carts are those that are used on golf courses and to get around large properties. Having insurance for these vehicles is not required. However, you may still want to purchase a recreational insurance policy if you use the golf cart regularly. 

Homeowners Insurance

For non-road-ready golf carts, homeowners can purchase an additional golf cart endorsement on their homeowners policy. 

Types of Golf Cart Insurance Coverage

Whether you purchase recreational insurance or add your golf cart to your homeowners insurance, different coverage options are available. These options include: 

• Property Damage Liability: Covers you if your golf cart causes damage to someone’s property.
• Physical Injury Liability: Covers you should you injure someone else while driving your golf car. 
• Comprehensive Coverage: Protects you if your golf cart is stolen or damaged by natural elements. 
• Collision Coverage: Covers damage to your golf cart from a severe collision. 

West Hartford, CT residents can protect themselves against any possible risks involving their golf cart. Call ALLConnecticut Insurance today to discuss recreational insurance options available for your golf cart. 

Umbrella insurance is a unique insurance product that works along with other insurance policies that are already in place. Many people choose to get umbrella insurance because it is very helpful coverage as well as being well-priced. If you are interested in one of these policies, call us at ALLConnecticut Insurance in West Hartford, CT.

Your Other Insurance Policies

To get umbrella insurance, you need to already have home and auto insurance in place, or you can get them all at the same time. Both a home and auto policy will each come with some liability coverage. The problem is that they generally come with little coverage for liability, and medical and property damage bills can be extremely high. With an umbrella policy, you will have more liability insurance for both of these policies with one easy policy. 

How It Works

With your home and auto insurance policies in place, those payout first when there is an accident that you are liable for. They assess the situation and payout as needed when you are at fault for an accident that happens either in your home or in a vehicle. After that insurance has maxed out, your umbrella insurance comes in and pays what is left of the bills you owe.

Cost-Effective Insurance

So, why don’t people simply add more liability onto their home and auto policies instead of getting umbrella insurance? Because it’s too expensive. Adding liability coverage to your home and auto policies is prohibitively expensive for many people, but umbrella policies offer large policies for relatively little money. It’s a cost-effective way to get the coverage you need without breaking your budget. 

Get Umbrella Coverage

If you need more liability coverage, and many people do, getting umbrella insurance is a great way to get it. Call us today at ALLConnecticut Insurance in West Hartford, CT.

RV ownership offers a lifestyle many people dream of living in West Hartford, CT. Not only are you able to go out on the open road traveling, but you can also do so in the comfort of your own home away from home. However, there are several common myths about RVs, and many of those myths are listed below. 

After reading these myths, give us a call at ALLConnecticut Insurance to learn how to protect your RV while out on the open road. 

Myth: Buying used generators with very few hours is a good investment.

Truth: A generator must be used to help keep it running smoothly. If a generator is not used for prolonged periods, the gas starts to gum and varnish the fuel system. It is best to purchase a new generator from a reputable RV parts dealer. 

Myth: RVs get terrible gas mileage.

Truth: This myth is semi-false because RVs are not fuel-efficient, but they get much better gas mileage than most people think. With new advancements, RVs are getting better gas mileage and offering more fuel-efficient options. 

Myth: I need a special incense to drive an RV.

Truth: You do not need a special license to drive a standard RV. However, those purchasing larger RV models may require a special license depending on the size and weight of the unit. 

Myth: I do not need to store my RV during the winter months.

Truth: RVs not used in the winter should be stored appropriately. If the RV is exposed to the elements, long-term can cause damage to the RV. 

Having an RV in West Hartford, CT means you can get out and go on the road with many of your comforts of home. When you are ready to hit the road, give us a call at ALLConnecticut Insurance for additional information on how to protect you and your motorhome. 

Lawsuits that you may lose may leave your finances unscathed if your insurance cover can take care of them. Sometimes, the lost lawsuits may make you lose lots of money when the cost is higher than what your insurance company can cover. If the excess amount is too high, you may end up losing all your savings, assets, and property. For such circumstances, the umbrella insurance coverage got designed to safeguard you from losing all your valuables. 

What’s Umbrella Insurance?

Umbrella insurance covers are a type of personal liability coverage with the ability to help you protect yourself from losing finances when you may be found liable for claims larger than what your automobile or homeowner insurance can cover. Umbrella covers are unique because they pick up from where your other covers set their cap in covering liability. These covers may also take care of some claims that other policies can’t cover, such as false imprisonment, slander, and libel.

Why Do You Need an Umbrella Insurance Cover?

Umbrella covers are often ideal when your assets’ total value is higher than the limit of your homeowner and auto insurance covers. The essence of the idea is to get enough liability insurance that fully caters to claims to protect you from losing your assets in any lawsuit.

What the Cost of an Umbrella Insurance Cover?

The cost of umbrella covers depends on the amount of coverage you intend to buy and your choice’s insurance firm. For instance, the premiums set by the ALLConnecticut Insurance company in West Hartford, CT, may differ from those set by other insurance companies in other states. Your location and the number of assets that you intend to cover may also influence the premium levels.

If you are in West Hartford, CT, the ALLConnecticut Insurance company may offer you all the advice you need and some of the best plans in this area. Contact us for more information.

Recreational vehicle ownership in Connecticut is becoming popular and showing tremendous growth. Exploring roadways with a perfect home with wheels is a dream for many West Hartford, CT residents. West Hartford, CT is your ultimate home on wheels; thus, it requires splendid insurance coverage. It is therefore crucial as an RV owner to find a salient policy for your needs. Acquiring a spectacular insurance policy can safeguard your travel trailer, house trailer, including your camper. 

If you decide to procure an RV this summer, it’s paramount to understand the type of recreational insurance you need. To make a viable decision regardless of whether you are in West Hartford, CT, or anywhere, your RV requires to be a solidified protection for you to drive it legally. Contact our agents at ALLConnecticut Insurance offices situated in West Hartford, CT, and learn about your recreational policy options and get your quote.

RV insurance is mandatory in most states, but it is vital to purchase more than the state-mandated minimum to make sure you have adequate coverage for all your valuables. Are you a West Hartford, CT resident planning to initiate a vacation by using a motor home? Go ahead and plan your vacation and let ALLConnecticut Insurance conduct the hard work for you. Connect with us today and get a spectacular customized quote for your RV insurance coverage.

Types of recreational coverages.

Bodily injury liability coverage: It takes care of costs to bodily injury after an accident, and you are deemed responsible. It also pays for medical expenses to other people and their loss of income up to your policy limit.

 Damage to property liability coverage: It pays for damages to someone’s property or vehicle after getting involved in an accident that you are responsible for.

Medical payments coverage: This type of coverage helps pay the cost of medical bills for you, passengers, and family members boarding your RV after an accident regardless of who is deemed at fault.

Comprehensive coverage: It safeguards your RV against any imminent loss devoid of collision. The cushioned losses may emanate from theft, fire, and animal contacts.

Collision coverage: It pays for damages to your motor home if you engage in a collision with another automobile, tree, building, or boulder.

Get a quote from us today!

Are you an owner of a travel trailer or a camper in West Hartford, CT seeking affordable and splendid RV insurance coverage? Call or visit us at ALLConnecticut Insurance offices for more information.

Recreational vehicles are capturing people’s imagination in West Hartford, CT, and the country at large. They are the best bet in enjoying the country’s vast geographic features that one cannot get in any other part of the world. However, if you have an RV, it is necessary to have the required insurance from ALLConnecticut Insurance as it offers some benefits discussed below.

Content Coverage

RVs have contents that are expected to be used by the person leasing the vehicle on their vacation. You might come with your content as well, and you need to have everything in the car covered against damages or theft. You can get contents coverage from an insurance agency that offers RV coverage.

Uninsured Motorist Coverage

You don’t know what is likely to happen on the road. There is a chance that you will be involved in a hit and run or collide with a car that does not have insurance. With uninsured motorist coverage, everything will be catered for by your insurance company, thereby helping you to save money.

Liability Coverage

As a policyholder, you don’t want to cover the liabilities involving your vehicle. Therefore, RV insurance helps in covering this area without incurring any additional expenses. Property damages and bodily damages will all be covered by your insurance provider.

Comprehensive Coverage

Sometimes you might be involved in extreme situations such as earthquakes, floods, fires, riots, and even theft. These are possible situations as you might get caught up in the forest’s deepest part, where it is hard to get any assistance. Having comprehensive insurance helps you to cover these unseen challenges.

Work With Experts

As you look for the best recreational vehicle insurance policy in West Hartford, CT, it is important to work with experts for your next summer vacation. ALLConnecticut Insurance is the ultimate destination for anything RV insurance. See Our website for additional information.