What Happens If There Are Multiple Drivers: RV Insurance

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There are many reasons to purchase recreational vehicle insurance. These reasons may resonate with many individuals that are taking longer summer trips or have invested in RV living. However, what if there are multiple drivers for your RV?

Knowing what to do when there are multiple RV drivers is important. Even if you are planning a 27-hour trip from the Florida Keys to Maine or a trip specific to a camping ground in California. No matter your journey, it is possible to make the proper choice concerning RV insurance. Before driving out of the West Hartford, CT area or in any areas that we serve, contact ALLConnecticut Insurance with your questions pertaining to RV insurance.

Multiple Drivers

There are many conditions when you may experience having additional drivers. For example, you made me turn sure other drivers for your RV if you are renting, using your RV on a full-time basis, or if you are financing your recreational vehicle.

There are individual categories of recreational vehicles that you should be mindful of. As an important note, recreational vehicle requirements for each class may be unique in your region. There are a total 10 basic types that are on the road today, is there clear the following:

  • Classic recreational vehicles such as Air-Stream trailers
  • Campers that are pop-ups
  • Modern travel trailers (Models that are seven years old and newer)
  • tiny or small trailers
  • Tear-drop shape campers
  • Towable campers (with fifth wheel)
  • The trio subgroups A, B & C (motorhomes)
  • Toy haulers

Additionally, it is essential to be comfortable with the essentials of each RV class. This is because if you are looking for RV insurance and have multiple drivers, knowing the type of RV that you have will help make the search easier.

Depending on your area, you may need insurance for multiple drivers if your recreational vehicle falls in the category or classes of A, B, & C motorhomes. This is because they are drivable recreational vehicles they are not towed by automobile or truck. If you are in the West Hartford, CT area, do not hesitate to contact ALLConnecticut Insurance.

What Does Commercial Insurance Cover?

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If you have invested your time, money, and hard work into getting a business off the ground, you will most certainly want to protect your business in any way you can. The best way to provide protection for your business is to have a commercial insurance policy in place and the agents at ALLConnecticut Insurance in West Hartford, CT can assist you with that since they have plenty of knowledge and experience when it comes to commercial insurance policies.

Connecticut Commercial Insurance Requirements

In Connecticut, you must have commercial auto insurance in place for all vehicles that are owned by your business and operated for use with your business. You should also ensure that all other vehicles that are used for your business have at least liability commercial auto insurance in place also.

If you have employees, you should also have a worker’s compensation insurance program in place in the event someone is injured on the job. You will also want to have liability insurance for your business that covers customers or others who may become hurt at your business or because of an incident that happens involving your business.

Other Coverage Options

A property insurance policy is important to have in place for your business since it will cover a theft incident or break-in of your business as well as damages or losses that are the result of a fire, natural disaster, or vandalism.

To determine which commercial insurance coverage options are best for you and your business, you should enlist the help of an experienced commercial insurance agent. The agents at ALLConnecticut Insurance in West Hartford, CT are ready to assist you with all of your commercial insurance needs. Call for an appointment today!

Preparing your Connecticut home for an emergency

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At ALLConnecticut Insurance in West Hartford, CT, we have more than 125 years of combined experience. We will use that experience to help you to find the right home insurance for your home and your needs. As independent agents, we can offer more choices. It allows us to customize a policy that prioritizes getting you the most for your insurance dollar.

Connecticut is known for the variety of weather it has. If you don’t like the weather you are seeing, wait five minutes and it will change. Every season has its challenges. As a homeowner, you need to be prepared no matter what Mother Nature decides to throw at you. 

Have a generator

Hurricanes are a real danger in Connecticut. They cause flooding and the heavy winds take down trees in all parts of the state. It is not unusual to lose electricity for days at a time. Your home needs to be prepared for this emergency. You need to keep food cold if it is still warm outside and provide heat if it is later in the season. You can choose gasoline or propane for your fuel. 

Put your important papers together

Depending on the type of emergency, there can be wind, fire, or water involved. All of them could destroy your important papers. You need to have a container that is both waterproof and fire-resistant. You need to put all your important papers, including your home insurance policy, in the container. Take it with you if you must evacuate. 

Have supplies

It is important to have several days of water both to drink and to use. When the power is out, you may not have tap water. You should also have a supply of batteries. 

Contact ALLConnecticut Insurance in West Hartford, CT if you are looking for great service and more choices in home insurance.

Common Auto Insurance Terms You Need to Know

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When shopping for auto insurance in West Hartford, CT, you probably have heard terms you might have been unfamiliar with. Understanding these terms can help you determine if you are selecting the best insurance policy for your driving needs. Take a moment to look over the following insurance terms and then reach out to ALLConnecticut Insurance to discuss any questions and auto insurance options available. 

Collision

When in an auto accident with another vehicle or object, your collision coverage pays for the damage. There is a deductible for this coverage you must pay out of pocket before the insurance policy pays the remaining repair and replacement costs. 

Comprehensive

When you have damage to your car, not caused by an accident, your comprehensive coverage helps pay for repairs. For example, this policy covers damage associated with theft, flood, falling objects, broken glass, and vandalism. Comprehensive also covers the damage when you hit an animal while driving. 

Liability

The liability insurance coverage pays for bodily injury to another person or damage to someone else’s property. Your insurance policy covers these items when you are found responsible for an accident or someone who was driving your vehicle (with your permission) causes an accident. All states require drivers to carry liability insurance, and it is recommended you have more coverage than the required limit in Connecticut. 

Uninsured and Underinsured Motorist

When you get into an auto accident caused by another motorist without auto insurance, your uninsured and underinsured motorist coverage pays for the damages and medical costs. This coverage also pays when another motorist does not have enough insurance to pay for your accident-related expenses. 

Those living in West Hartford, CT, who still have questions about some terms associated with their auto insurance policy need to call ALLConnecticut Insurance today. The agents there can help answer your questions and help you find an insurance policy. 

Do I Need Recreational Insurance for My Golf Cart?

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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. 

How Does Umbrella Insurance Work?

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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.

Common RV Myths

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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. 

Required Commercial Insurance in Connecticut

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For businesses in Connecticut, there are two types of commercial insurance that are required for most businesses. There are also many types of commercial insurance that can help protect a business, but they are not required. If you want to know more about commercial insurance policies, call us at ALLConnecticut Insurance in West Hartford, CT.

Workers’ Compensation Coverage

If a Connecticut business has employees of any type, the business must keep workers’ compensation insurance. This is true whether the employees are seasonal, part-time or full-time. The only exception for this mandate is for domestic workers who work in the house for 25 hours a week or less. This insurance pays for the medical bills of employees who get sick or are injured in the workplace. With this insurance coverage, your business is protected against lawsuits from employees who become injured. 

Commercial Auto Coverage

Another required commercial policy is a commercial auto policy. This insurance is required for all vehicles that are owned by a Connecticut business. There are specific requirements for this policy to contain certain minimums for bodily injury liability, property damage liability, and uninsured motorist coverage. If you have a vehicle that is often used for work but is not owned by the company, that vehicle’s personal insurance policy may not payout due to the business usage. For those vehicles, it’s recommended that you get a hired and non-owned policy. This policy isn’t required by law, but it is highly recommended. 

Commercial Insurance Policies

If your business needs commercial insurance, contact us today at ALLConnecticut Insurance in West Hartford, CT to talk to an agent about the policies required for your business as well as those that are highly recommended. 

What Does Auto Insurance Cover?

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The laws regarding Connecticut insurance require liability of $25,000, per accident, as coverage for each person involved. 

What is liability insurance in the state of Connecticut? Liability insurance is the minimum coverage required by law. It envelopes the injuries and property of another person due to negligence while driving. This coverage normally covers each person involved in an accident a minimum of $25,000.  The entire accident is covered with $50,000. Allowing $25,000 for injury to the person and $25,000 for property damage.  Although these are the minimum requirements, higher coverage is advisable. 

Another type of insurance coverage you will need for your car is uninsured/underinsured coverage. This protects you and the people you live with if injured in an accident an uninsured motorist caused. Then there is a conversion coverage for an underinsured motorist. It is a reimbursement to you,  should the driver at fault not have enough coverage for damages incurred. 

Any questions regarding insurance coverage in the West Hartford, CT area can be answered by a professional agent from AllConnecticut Insurance. 

There is sometimes a lot of confusion between collision and comprehensive coverage. When you purchase collision insurance, it refers to your car rolling over, colliding with an object or another vehicle. This insurance requires some form of deductible you must pay before the insurance pays the balance. Comprehensive coverage is when your car is damaged for reasons in addition to another vehicle collision. It can be due to theft, hitting an animal, glass breakage, or a natural disaster.  

If you are seeking liability, collision, comprehensive, or some other auto insurance, contact the professionals at AllConnecticut Insurance. We can help you if you live in West Hartford, CT or the surrounding areas.

Types of Home Insurance Needed for Multi-Family Properties in Connecticut

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When you are managing a multi-family property in West Hartford, CT, you will need more coverage than your standard home insurance. At ALLConnecticut Insurance, we know that every multi-family property is different. We can help you to get the coverage that you need to protect your property from every risk.

Liability Insurance

Liability insurance protects you from injury claims or third-party damage to property. This type of home insurance will cover you from slip and fall lawsuits or claims. If a tenant hurts themselves or experiences a problem that could have been prevented by you, you could be sued or asked to cover the damages. 

Those damages could add up, and might include medical costs, legal fees, and lost wages.

Property Insurance

Property insurance on a multi-family home is much like property insurance on your home insurance, with more coverage. You might also get extended coverages depending on the structure of the home, and its specific needs.

A home with several apartments in it that is 100 years old for example may need more home insurance than one that was just built.

If you have multiple buildings or structures on your property, you will probably need different coverage for all of them. You can get whole property coverage however that will cover everything.

Commercial Insurance

You may have families living in your building or home that are not paying rent, but very often they are. This means running a multi-family property is often a commercial business. In addition to your property and liability business home insurance, you will need commercial insurance to protect every facet of this enterprise. That includes your business income, losses in the event of a crisis, and even your payroll.

Additional coverage you may consider after you purchase these insurance policies for your business might be umbrella coverage. This is the coverage that will make sure that you are covered for any additional crisis beyond what these policies will cover.

Get a Quote

If you are seeking commercial or home insurance on a multi-family property in West Hartford, CT, we know that your home insurance needs are complex. Call ALLConnecticut Insurance for a quote on home insurance for multi-family properties.