Dino Carbone

Your Home Insurance is very important. If something happens to your home and for whatever reason you can no longer live in it, you’ll want and need a good home insurance carrier. There are few things you should seek out when looking for one, or working with an independent insurance agency to find one.

• Good feedback and/or a good reputation. Look for companies that have this positive reputation by checking out their websites, magazines ads, or newspaper ads. If your friends and family are satisfied with their policy, you can also ask them who they are insured by.

• Good customer service. When you call, do they sound irritated with you, or are they friendly? How quickly do you get answers to your emails? Do they satisfactorily answer your questions, or do they talk over your head? Good customer service is important because it reflects how serious the company takes your business. Go with a company that makes you feel welcome and secure.

• Easily accessible information. As a client of a good company, you should be able to find answers quickly through their literature or their website. Look for a company that carefully lists their services, contact information, FAQ’s, and anything else you might need.

• Willingness to work with you on your policy. It all comes down to you being comfortable with your home insurance policy. If you don’t feel that your needs are covered, or if you think that you’re being grossly overcharged, look for another company.

One easy option when finding a good home insurance carrier is to go to an independent insurance agency, like Elliott Insurance (ElliottInsurance.com), where they will listen to everything you need, then search out the best home insurance company that best meets your needs.

Elliott Insurance is an independent insurance agency in the Plantsville, Connecticut area. To learn more about Cheshire, Middletown, and Southington home insurance, contact them today.

If you ask some people why they choose to only purchase the state minimum for auto insurance, they’ll probably tell you it’s because they think they can slide by safely without ever getting into accidents. Well, by now, everyone knows that that is not true. No one is exempt from auto accidents. Old news, right?

The other reason that people normally give is that they aren’t even sure what kind of coverage they need, or what their options are. And no one wants to go talk to an agent.

If you know people like this, or if you are one of them yourself, here’s a little coverage crash-course for you:

• Bodily Injury Liability: This coverage is actually required in most states. It compensates the driver of the other car and its passengers when you get into an accident, as well as the passengers in your car.

• Property Damage Liability: Pays for the repair and replacement of the other guy’s car or property when you get into an accident.

• Personal Injury Protection: Pays for the medical and funeral costs associated with an accident for you and your family — regardless of whose fault it was.

• Uninsured or Underinsured Motorist: Pays for medical and funeral costs for you and your family when you get into an accident with either a hit-and-run driver or a driver who doesn’t have enough auto insurance. These policies usually cover bike and pedestrian accidents, too. Given the prevalence of uninsured drivers nationally, this coverage is essential.

• Collision and Comprehensive: Collision reimburses you for the full cost of repairs or replacement of your car after an accident. Comprehensive ensures your car’s safety if it’s damaged by a natural disaster, vandalism, or theft.

These are the basic coverage plans that are offered along with minimum Connecticut auto insurance. If you still don’t want to go in and speak with an insurance agent, you get an online quote at virtual independent agencies like ElliottInsurance.com. They have a tiny form for you to fill out stating the types of coverage you’d like, then they let you know how much it will be. It’s never been easier to shop for auto insurance.

Elliott Insurance is an independent insurance agency in the Cheshire, Connecticut area. To learn more about Cheshire, Middletown, and Southington auto insurance, contact them today.