Usual Reasons Filing a Homeowners Insurance Claim in CT

You need to make sure you have a homeowners insurance policy for a variety of reasons as will be outlined in this post below. West Hartford, CT residents can discuss specific insurance options with agents at StateChoice. When it is time to file a homeowners insurance claim, you will need to be aware of the damages and repairs needed. Find out the typical reasons for filing such claims in this post. 

Damages from storms

Violent storms, heavy winds, rain, snow, ice, and other bad weather elements can create chaos for homeowners. The storms can leave behind a lot of damage to homes and filing a claim is important. Storm damage remains a top reason for filing claims on a home insurance policy. Be sure you assess the damage from the storm before filing a claim with your homeowner’s insurance company. Find out more about what policy options are available at StateChoice serving West Hartford, CT. 

Damages from Water

Many homeowners also get flood coverage. However, there are other types of water damage, which is one of the typical reasons for filing an insurance claim on your house. Burst pipes, backed up plumbing, leaks, and damages to structures from heavy rains are some prime examples of damages water can do and this warrants repair and a claim to be filed. Be sure to assess damages to the home before contacting an agent. 

Damages from Fire and Smoke

One of the biggest reasons homeowners file claims is damage to their home or property from a fire or the smoke that damaged items. Smoke and fire damage can be significant, often resulting in a total loss at the property. Be sure to assess all damages and inventory property loss. Contact an agent to find out more about fire coverage. 

Four Reasons Why You Should Purchase Commercial Insurance Now

Business owners in West Hartford, CT should never procrastinate about finding an appropriate commercial insurance policy.

Unfortunately, an average company faces a plethora of potential liabilities and needs to be adequately insured to enjoy true financial security. At StateChoice, we recommend that business owners find the right commercial policy before it’s too late.

The following are just four of the many reasons why you should find the right commercial insurance policy now:

You are legally required to have commercial insurance.

The biggest reason to get commercial insurance is that you’re legally required to do so.

If you use commercial vehicles to run your business, you need to acquire commercial auto insurance. Also, you may legally need workers compensation insurance if you employee people at your company.

These are just two examples of situations where a company is legally required to have insurance.

It can give customers more confidence in doing business with you.

Depending on what industry you’re in, customers may only want to do business with you if you’re insured. Commercial insurance allows your company to be more stable so that customers don’t worry when doing business with you. 

Lawsuits can happen at any time and are very expensive.

In this litigious society, it’s not hard for an individual to sue your company. The resulting legal costs could be astronomical.

Commercial insurance could save your company from the financial ravages of a lawsuit.

You need to protect your company’s assets.

Your company’s assets are at risk if you don’t have commercial insurance. Without company equipment and resources, you may not be in business anymore.

If you’re ready to purchase commercial insurance for your West Hartford, CT business, we’re here to help. Contact us at StateChoice to explore our policies.

Poor Driving Habits that Can Damage Your Vehicle

Poor driving habits can damage your vehicle and increase your risk of having an accident. Changing bad driving habits will protect you from accidents, extend the lifespan of your vehicle and reduce insurance costs. Paying less for StateChoice auto insurance in West Hartford, CT should be incentive enough to change your driving style. Eliminating the following habits will improve your driving and protect your car.  

Driving on “Fumes” – Driving on low fuel can overheat your fuel pump, causing premature wear and tear. It can also clog your fuel filter as you’re using the dregs from an empty tank. If you can’t afford a full tank of gas, keeping your gauge at a minimum of quarter full will protect your car.   

Hauling Excess Weight – Extra weight puts stress on your vehicle’s suspension, brakes and drivetrain. It also causes you to burn up more fuel. If you don’t need the cargo you’re lugging around, leave it behind.   

Hard Stops – Unless it’s an emergency to prevent an accident, avoid sudden stops that cause you to slam on the brakes. Hard stops wear out brakes quicker, forcing you to replace brake pads and rotors more often.

Dragging Brakes Downhill – Riding brakes on downhill slopes can damage brake components. Rather than using brakes as a protective measure, shift to a lower gear to reduce your speed. This will protect your brakes for when you need them most.

Riding Clutch – Resting your hand on the clutch while waiting for the light to change is yet another bad habit that needs to stop. Riding your clutch puts undue pressure on its components, causing premature wear and tear. Over time, this habit could cause your clutch to fail resulting in costly repairs.

Good driving habits combined with auto insurance from StateChoice in West Hartford, CT will protect you and your vehicle on the road.

Commercial Insurance Can Protect Your Business

Protecting the company should generally be at the forefront of every business owner’s mind. There are a number of ways to do that, and one of them is through a good commercial insurance policy. But it is important not to get that policy from just anyone, or to choose a policy without really understanding what is contained in it. Instead, taking the time to work with a knowledgeable agent and get multiple quotes for their West Hartford, CT business is the way to go. StateChoice can help with that, and its agents are standing by to help business owners in the surrounding area get the information they need to choose the right insurance policy for their particular company.

With that in mind, business owners will want to consider the kind of policy they need, how much it should cover, and if there are specifics it really must include. By talking to an agent, they can get guidance that will steer them toward a policy that is just right for their needs. Many policies can be adjusted to fit the needs and goals of a specific company, so business owners should not be afraid to ask for what they are really looking for. That can help them get everything they need, and reduce the chances of a problem developing because they did not have the right kind or level of insurance.

Reach out to StateChoice today, and get a West Hartford, CT business protected the right way. That can really improve peace of mind and can make it easier for any company to continue to move in the direction of its dreams. The goal of commercial insurance is the protection of a business, and the right insurance company can go a long way toward helping a company meet that goal.

Do Mechanic Shops Need Commercial Insurance?

When it comes to owning your own mechanic shop, there are several tips you need to follow to help ensure your company is as successful as possible. From having the right insurance coverage to marketing your shop in the right manner, following these tips will help boost your success as well as protect you from certain expenses. For now, let’s take a quick look at whether or not your mechanic shop can benefit from investing in commercial insurance. 

What does commercial insurance cover?

There are many different types of commercial insurance for you to invest in. It is recommended that you speak with a qualified insurance agent to determine the exact needs fo your mechanic shop. This type of insurance specialist can assess your exact needs as well as help you customize an insurance policy that meets all of these needs. For example, you may find that you need garage liability insurance. With this type of insurance policy, you are protected when claims or lawsuits are made against your garage that relates to someone being injured on your property; this can apply to clients in your garage or the employees. 

Business Interruption Insurance

Another type of insurance that will be vital to the success of your company is business interruption insurance. With this type of coverage, you can rest assured that if something happens to interrupt your business, that you will still be able to stay afloat. Take for example a fire destroys part of your garage and you are closed for four weeks while repairs are being made. Business interruption insurance will help pay for wages and income that are lost. 

To learn more about commercial insurance for your mechanic shop, please contact StateChoice serving the West Hartford, CT area. 

Are There Gaps in Your Home Insurance?

There are many reasons why you may have gaps in your home insurance policy. Changes in your personal situation, home or lifestyle could affect your coverage, causing it to fall short of providing you with the protection you need. Here are a few areas in which gaps may be present in your policy.

Dwelling Insurance (Replacement Cost):  Your dwelling insurance should be sufficient to replace your West Hartford, CT home in the event of total loss. If not, there’s a gap in your coverage. Many homeowners are only covered for market value which could be far below the replacement cost of their property. If their home suffers loss, they may have to make up the difference between replacement cost and market value out of their own pocket in order to rebuild their home.

Pets:  Some policies exclude certain breeds of dogs in their liability coverage. If you own a dog, you should make sure it’s covered under your policy. Otherwise, you run the risk of being liable for dog bites should your pet attack a visitor on your property.

Natural Disasters:  Many natural disasters such as wildfire, tornadoes and hailstorms are covered by a standard homeowner’s policy; flooding, hurricanes and earthquakes, however, are not. If you don’t  obtain separate coverage for disasters not covered by your home insurance policy, you’ll end up paying for damages these disasters cause out of your own pocket.

High Value Items:  Posh jewelry, expensive sports or music equipment and costly electronics may not be completely covered under your homeowner’s insurance policy. This leaves them vulnerable to theft, damage or loss. You can resolve this problem by obtaining a rider or separate policy from StateChoice to cover these goods with replacement cost.

Help close gaps in your homeowner’s insurance with a comprehensive insurance policy from StateChoice, West Hartford, CT. 

Why You Need Slip and Fall Insurance Coverage for Your Small Business

Owning a small business can be a stressful endeavor, and without the proper coverage, something as simple as a slip and fall incident can have a significant, and negative, impact on your firm. StateChoice insurance agency is here to serve all of the business insurance needs for its clients in the greater West Hartford, CT area. Our agents are skilled and fully trained in a full-range of business coverage lines. Comprehensive coverage will provide protection in the event that a slip and fall occurs on your business premises. 

Comprehensive Coverage for Small Businesses

Many small businesses, as they are working to get established, operate on a shoestring budget which forces a lot of difficult choices. If you are looking to keep costs in line, our agents can work with you to find comprehensive coverage that offers you full protection while being sensitive to budgetary constraints. Slip and fall coverage is worth the expense in the event that the circumstances include a law suit or further legal accident after the fall.

StateChoice can get you the coverage that you require to protect the hard work that you have put into your business. No one wants to experience the stress and expense that a slip and fall accident can cause without the proper insurance protection. Our agents can ensure that you have the coverage that you need to withstand unforeseen circumstances.

Please give us a call today at (860) 232-1234 to set up an appointment with one of our dedicated agents that can help you procure the comprehensive business insurance that will protect your small business. StateChoice is proud to serve the greater West Hartford, CT area and would welcome the opportunity to work with you and your small business.

Best Ways to Protect Your Boat From Natural Disasters

Living in West Hartford, CT, you won’t often worry about super storms. If recent years have taught us anything, it is that no one is truly exempt from risk. If you want to make sure natural disasters pose as little threat as possible to your favorite vehicle, there are some tips to help you succeed. These are the top tips from StateChoice to defend your boat from Mother Nature.

Scale to Size

There is no one-size-fits-all solution. Your plan should cater to your boat. If you can hitch it to a trailer, it can evacuate to safety with you. Since that isn’t a solution for every boat, you can consider lifts or simply fastening to the dock. In extreme cases, some ships are deliberately sunk and then salvaged after the storm passes. If you are unsure, feel free to solicit advice from experts as to the best solution for your particular boat.

Empty the Vessel

You usually can’t scrape the craft completely clean of literally everything. That said, get as much out of there as you can. This prevents damage to items in the boat and to the boat itself. Primary points of concern should include canvas, sails, dinghies, radios, cushions or Bimini tops. Anything that can’t be removed should be fastened as securely as possible. Anything that can be tossed by the storm will be, and it multiplies the risk of damage.

Tie it Properly

If there is no alternative, you’ll probably find yourself tying the boat to a dock. As risky as it feels, it is estimated that 50 percent of all hurricane-caused boat damage could have been prevented with better lines. Make sure yours are sufficiently long and thick, and do your best to secure the boat against any possible chaffing. If you do this, you’ll be safe from the vast majority of extreme storms.

Of course, no amount of planning can ever prove completely foolproof. The last line of defense in West Hartford, CT, is the same as anywhere else: good insurance coverage. Speak with a StateChoice representative today, and we’ll help you make sure you have everything you need.


Should You Carry More Personal Injury Coverage for Motorcycle Insurance than Auto Insurance?

Riding a motorcycle is dangerous. Even a minor accident can cause major injury to the motorcyclist. As such, you may find yourself wondering how much personal injury coverage, also called bodily injury coverage or personal injury protection, you need on your motorcycle insurance policy. This is a topic that we at StateChoice, serving the greater West Hartford, CT area, are often asked. Here is some information you want to consider. 

In the state of Connecticut, the minimum bodily injury coverage you are required to carry is $20,000. However, if you are involved in a motorcycle accident, it is likely that you will go over this amount. Going via ambulance to the hospital, being seen by an emergency room professional and have x-rays or other scans of your body will likely eat up this full amount. As such, it is strongly recommended that you obtain more than the minimum coverage if you are riding a motorcycle. 

Many people wonder if they should carry more coverage for motorcycle insurance than they carry for auto insurance. Unfortunately, this is a tough question to answer. While you are more likely to sustain a greater bodily injury in a motorcycle crash, you can be injured in a car accident as well. As such, many insurance agents recommend selecting the right coverages for both motorcycle and auto insurance, regardless of how much you carry on one policy versus another. 

If you are unsure how much coverage you need for motorcycle insurance, contact StateChoice, serving the greater West Hartford, CT area, today. We can take a look at your policy limits, your medical coverage, and your finances and help you determine what coverage levels are ideal for you. Call us now to get started. 

In West Hartford, CT: What Are the Different Types of Life Insurance?

In West Hartford, CT, the agents of StateChoice are available to help you make an informed decision when it comes to choosing the type of life insurance that will best suit your needs. The type of life insurance you choose will depend greatly on your age, your budget, and what you expect to gain from your policy. While there are numerous types of "life" insurance, the two main types are Term and Whole life insurance.

Term Life

Term life is a basic policy that has one specific goal. It’s designed to provide a death benefit that can be used to cover your final expenses. The premiums remain the same until the policy reaches is paid in full. The duration of a term life policy can range anywhere from 10 to 30 years, with most having the option to be extended.

Whole Life

With a Whole life policy, the premium remains the same throughout the duration of the policy. The policy won’t change or be raised if you become ill or your circumstances change. The value of the policy continues to grow on a tax-deferred basis and is not subject to taxation until you withdraw the funds. A whole life policy can be an excellent investment opportunity if it’s purchased while you are young enough to let it accumulate for several years.

The agents of StateChoice serve residents in West Hartford, CT and many of the surrounding communities. If you are interested in purchasing a life insurance policy or have questions about how they work, call one of the agents today. They can provide you with the answers you’re looking for and find a policy that is able to meet your specific needs.