March 15, 2019

Your First Life Insurance Policy – East Hartford, CT

If this is your first time shopping for life insurance options, it may surprise you how many options you have. Simply, the three main types are Term, Whole Life and Universal Life. Call Sheri Wilson at The Insurance Store of CT for your full range of affordable life insurance options in East Hartford CT.

TERM LIFE INSURANCE

Term Insurance premiums are generally paid on a monthly or annual basis. Your family is protected for that term. Term insurance helps provide for a a family’s loss of income, covers short term debts and needs, provides additional insurance protection during child-raising years, and can help your family pay off a mortgage or pay for a college education.

WHOLE LIFE INSURANCE

A Whole Life Policy offers lifelong protection. Whole life insurance helps your family prepare for the unexpected. As with the aforementioned Term policy, the death benefit can help replace a family’s loss of income, help with mortgage costs, or educational needs. Over time, whole life policies build cash value that grows tax-deferred.  Money may be withdrawn from the whole life policy during your lifetime. As long as your premiums are paid as required, your policy will be in force. We offer Whole Life policies that can be paid with a single premium, premiums payable to 100, or premiums payable up to a limited number of years. Policy loans do accrue interest, and any outstanding policy loans and interest will reduce the death benefit and cash value.

UNIVERSAL LIFE INSURANCE

Universal Life Insurance premiums are paid into your policy’s account value, after a premium expense charge, where it earns interest. Monthly deductions from the account value are made for insurance protection. You may take loans or withdrawals from the account value for your personal needs. Typical uses for universal life insurance are to provide for loss of income, mortgage expenses and educational needs; access to cash; estate, special needs and business planning.

The type of insurance you select depends on the number of people who depend on you. Whether you own a home, have outstanding debts and financial obligations, or have a young family who depend on you, are factors to discuss with your insurance agent.  It is important to protect all of your assets and ultimately leave behind enough security for your loved ones.  At The Insurance Store of CT we will help you understand what your options are, and what plans may best suit you and your family. The Insurance of CT will take the work out of shopping multiple companies by performing your search for you. We will also work hard to find you the best rate for your desired level of coverage. We are located in Manchester CT and serve greater Hartford and surrounding areas. Please call The Insurance Store of CT for all of your Life Insurance questions. We strive to be your choice provider for all of your insurance needs. Call 860-645-1960 today.

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Posted in: life insurance
February 28, 2019

Business Insurance – Hartford CT, East Hartford CT

Protect Your Assets with Business Insurance

The Insurance Store of CT will find the best Business Insurance at the lowest rates in greater Hartford. If you are opening a business in Hartford or East Hartford CT, make sure you have the right business insurance coverage. Make an appointment to see the friendly staff at The Insurance Store of CT.  Sheri Wilson and her friendly staff would like to talk about protecting your Connecticut business. We offer general business coverage as well as more specialized policies, namely:

  • Commercial Property Insurance – Protects your building, equipment, inventory, furniture, landscaping, loss of income.
  • General Liability Insurance – Bodily injury, restitution for death; property damage or loss of use of that property.
  • Excess Liability Insurance – Umbrella insurance – protects against a catastrophic loss, covers legal costs.
  • Commercial Vehicle Insurance – Covers your vehicles and your employees from property and liability issues.
  • Workers Compensation Insurance – Protects employees from workplace accidents, medical care and compensation for lost income for those that have been injured while on the job.
  • Bonds – Contract Bonds, Maintenance Bonds, Payment Bonds, Performance Bonds, Surety Bonds.
  • Directors and Officers Insurance – Protects against wrongful acts made by board directors and executives.
  • Employment Practices Liability Insurance – Protection against discrimination claims, wage disputes, sexual harassment, emotional distress, negligent hiring or promotion.
  • Errors and Omission Insurance – Malpractice or professional liability insurance.
  • Group Benefits – Health, Retirement, Workers compensation, Dental, and voluntary products.

Your business is a huge investment,  your financial life line. With all you have invested in your business, you owe it to yourself to protect your interests. Manchester CT office is minutes from any town in the greater Hartford area. Please call us today: 860-645-1960. You can trust The Insurance Store of CT for all your business insurance needs.

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February 15, 2019

Best Auto Insurance at Lowest Rates – Manchester CT, Bolton CT

Affordable Auto Insurance

best auto insurance

Get the best auto insurance at lowest rates with service excellence in greater Manchester and Bolton CT. The friendly staff at the Insurance Store of CT is an independent insurance agency. We are a full service agency for homeowners and renters, automobile, motorcycle, recreational vehicles, campers, boats, watercraft, and yachts, health insurance, and of course life insurance. The Insurance Store of CT specializes in finding the lowest insurance rates for everyone. We shop the rates of multiple insurance providers, saving you time and money. We shop your policy with up to 9 companies so you can be confident that you are getting the best insurance rate. Why worry about your premiums each year? We re-shop our customers’ renewals every term so you won’t have to!

The Insurance Store of Connecticut can help you select the best automobile insurance policy. Contact Sheri at The Insurance Store of Connecticut to answer your questions and protect your family with a great auto insurance policy. Everyone who purchases an automobile needs adequate liability, property, comprehensive and medical insurance protection. Are you a less than perfect driver, with a history of traffic violations, accidents, speeding tickets, or other violations? Well, you need the best rates in the marketplace just like everyone else. The Insurance Store of CT can find incentives and discounts which can further lower your insurance rates. We take the hassle out of buying insurance! At The Insurance Store of Connecticut, rest assured that Sheri Wilson and her staff will work hard to find you the best auto insurance coverage at the best rates in Connecticut. Stop into our Manchester office or give us a call today at (860)-645-1960 for a consultation.

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Best Auto Insurance at Lowest Rates | Manchester CT, Bolton CT | The Insurance Store of CT

January 30, 2019

Homeowners Insurance – East Hartford CT

homeowners insurance

Shop for the best Homeowner’s Insurance policy for your East Hartford home with the Insurance Store of CT. For your family’s peace of mind, you should have the best homeowners insurance coverage you can afford. When shopping around for CT Homeowners Insurance in central CT, it’s not just about rates. Sure, you want a local insurance agent that will shop all the possible carriers to get you the best coverage for the best price. You also want friendly, personal service that a neighborhood agency affords. You want to call Sheri Wilson at Insurance Store of CT.

What determines the cost of your homeowners insurance premium? Your premium will vary based on things like the age of your home, the condition your home is in, its construction materials, and its location. We expect older homes to cost more to insure, and wood homes cost more to insure than those built of brick. Your credit history is a factor, crime statistics in Connecticut, your claims history, and whether you have a dog and what breed it is.

Fire and lightning coverage is included in most standard policies, but read your policy carefully to make sure this important coverage is not excluded. You should also ask your agent or broker if damage caused by perils associated with fire, such as smoke or damage caused by fire extinguishing agents, is covered under your policy.

Personal Property that you own that needs a greater amount of coverage than the rest of your belongings – items such as the family silver, antiques, heirloom items – should be itemized in a scheduled personal property endorsement.  By scheduling your irreplaceable valuables, you can recoup the potential loss of these items.

For more information about our homeowners insurance options, call Sheri Wilson at the Insurance Store of CT at 860-645-1960.

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January 15, 2019

Pet Health Insurance – Hartford CT

pet insurance

 

The Insurance Store of Connecticut is pleased to provide affordable Pet health Insurance plans in greater Hartford. As animal lovers, we want to provide the very best veterinary care for our beloved pets. When our dogs and cats get sick or injured, the financial outlay can be catastrophic. Even ‘well visits’ and vaccinations and boosters are quite costly. Parasite medications are almost prohibitively expensive these days. When you consider that pet health care costs are rising at the rate of billions of dollars per year, we can’t really afford not to take advantage of an affordable pet insurance option.

With the high cost of routine health care visits, immunizations, diagnostic and surgical procedures, The Insurance Store can provide a solution. Cutting the high cost of veterinary care for our beloved pets makes it easier to do the right thing by our furry friends. The Insurance Store of Connecticut offers affordable Pet Insurance to our clientele.With the cost of services rising in every sector, it has become increasingly difficult to keep up with budgeting health care for our families and pets.

So many of our clients are pet owners. With the cost of living getting more expensive every year, it makes sense to purchase the same type of health care insurance that we expect for our families. If you could save money and pay less for veterinary bills, wouldn’t you? Having a low cost insurance plan that offers premium pet health care insurance is now a dream come true. We offer Hartville Pet Insurance through Safeco. For a breakdown of pet insurance plans and coverages, please visit our Pet Insurance page. Call (860) 645-1960 today.

 

 

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December 30, 2018

Umbrella Insurance – East Hartford CT, Hartford CT

umbrella insurance
You may not be familiar with the importance of Umbrella Insurance.Umbrella insurance is the coverage that may kick in when your losses under other insurance policies, such as homeowner’s and auto coverage, have exceeded policy limits. You can call Sheri Wilson at the Insurance Store of CT to learn how an Umbrella Policy can protect you. Don’t get caught unaware and end up owing thousands in damages due to an accident or disaster. No matter how prepared you are, accidents can and do happen. Make sure you’re protected with umbrella insurance. Umbrella policies at the Insurance Store of CT offer protection that goes above and beyond what typical auto and home insurance policies offer. Coverage limits typically start at $1 million and can go as high as $10 million depending on your assets. Don’t get caught in the rain without an umbrella insurance policy from the Insurance Store of CT.

You may ask: What are the benefits of umbrella insurance? Let us answer your questions at the Insurance Store of CT. What a better way to learn about umbrella insurance than to speak face to face with the experts at The Insurance Store of CT? We are passionate about guiding others through the sometimes tricky and treacherous world of insurance. When it comes to any form of insurance, don’t get blindsided and left in a sticky situation without proper insurance to cover your assets. Give us a call today to see how we can help!

Umbrella insurance is a great financial move, as it will protect you and your assets in case of accident or disaster. Umbrella insurance policies offered by the Insurance Store of Connecticut offers protection above and beyond what typical home, life, auto, and financial insurance offers. This package insurance can cover you and protect your assets into the millions of dollars. Now THAT’S insurance! Learn more today by stopping by, giving us a call, or making an appointment with one of our seasoned professionals who will gladly share their umbrella insurance knowledge with you. We serve Manchester, Vernon, Tolland, Glastonbury and all other surrounding CT towns. 860-645-1960.

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December 15, 2018

Flood Insurance – East Hartford CT

flood insurance

Connecticut Flood Insurance

In the Connecticut River Valley, seasonal flooding visits us every April, without fail. Snow melt carried down the Connecticut River every spring plus runoff from heavy rains leads to flooding. Spring flooding can happen anywhere, though, and if you own property is prone to floods, you ought to have flood insurance. 2018 has been a wet year in Connecticut. Has your basement remained dry this autumn? Whether you are in a high risk zone or not, you may want to consider a flood insurance policy. Most homeowners’ insurance doesn’t cover flood damage. According to FEMA, if you live in an area with low or moderate flood risk, you are 5 times more likely to experience flood than a fire in your home over the next 30 years. For many, a National Flood Insurance Program’s flood insurance policy could cost less than $400 per year. Call the Insurance Store of CT today and protect what you’ve built.

Anywhere it rains, it can flood. Many conditions can jeopardize your home and the home contents of your home. Statistically, 25 percent of flood insurance claims come from low-risk areas. Even unexpected issues such as snow melt, flash flooding or a backed up drainage system can create dangerous overflow conditions during a rapid accumulation of rainfall. Flood risks aren’t based on history alone. To help determine your risk factor flood hazard maps have been created to display the potential for your community flooding. Traditionally the lower the flood risk, the lower the flood insurance premium. If you live in a house or apartment that you rent, your possessions may be at risk if a water heater fails, pipes burst, a sewer line clogs, or the tenant’s bathtub overflows above you. To find out more information about your home’s flood risk factor or to obtain flood insurance call The Insurance Store of CT. We serve Manchester, Vernon, Tolland, Glastonbury and all other surrounding CT towns. 860-645-1960.

 

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November 30, 2018

Home Based Business Insurance – East Hartford CT, Manchester CT

 

home based business insurance

When you run a business out of your home, you may benefit from a Home Based Business Insurance policy. The knowledgeable staff at the Insurance Store of CT can answer any questions you may have about protecting your business and your property. If you run a business out of your home, you may want to purchase insurance that will protect your company and yourself against certain risks. Will customers or clients be going to your home business office? Will any employees be working at your home? Do you keep inventory at your home or at other locations? Where are your employee or client records kept? If your home were damaged, would you have to close your business? Your home business may not be adequately protected by your Home Owner’s or Renter’s Insurance policy.

In certain instances, a homeowner’s policy may exclude business related liability claims, such as when a customer or client is injured on your premises. We can explain all the types of insurances that will protect your home based business. A few of the solutions the Insurance Store offers include a General Liability Policy, a Business Owner’s Policy, and a Business Owner’s Policy with Endorsements.

According to the Small Business Administration, home-based businesses comprise over half of all U.S. businesses.* Many small business who operate their businesses in their homes assume they do not need business insurance. Business insurance policies do not have to be expensive. In fact, as with other types of insurance, your premium is directly linked to your coverage limits and your policy’s deductible amount. Sheri Wilson at The Insurance Store of CT will be happy to sit down with you and explain all your home based business insurance options. Call us today at 860-645-1960.

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Home Based Business Insurance | East Hartford CT, Manchester CT | Insurance Store of CT

*Source: Connecticut Insurance Department

November 15, 2018

Life Insurance – East Hartford CT, South Windsor CT

Life Insurance Agency for All Seasons

life insurance

 

The Insurance Store of CT is your local life insurance resource in the East Hartford and South Windsor area. The friendly and personable staff at The Insurance Store will walk you through you the different types of coverages and to evaluate your own needs. The Insurance Store is centrally located in Manchester CT.  There are many options to choose from when you are shopping your life insurance policy. It is important to protect all of your assets and ultimately leave behind enough security for your loved ones.  At The Insurance Store of CT we will help you understand what your options are, and what plans may best suit you and your family. We know that life insurance shopping can be a cumbersome task, we will take the work out of shopping multiple companies by performing your search for you. We will also work hard to find you the best rate for your desired level of coverage. We are located in Manchester CT and serve residents of Manchester CT, Glastonbury CT, South Windsor CT and all surrounding areas. Please call The Insurance Store of CT for all of your Life Insurance questions. We strive to be your choice provider for all of your insurance needs. Call 860-645-1960 today.

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Life Insurance | East Hartford CT, South Windsor CT | Insurance Store of CT

September 23, 2018

Pet Insurance – East Hartford CT

The Insurance Store of Connecticut is pleased to provide affordable Pet Insurance plans in greater Hartford. As animal lovers, we want to provide the very best veterinary care for our beloved pets. When our dogs and cats get sick or injured, the financial outlay can be catastrophic. When you consider that pet health care costs are rising at the rate of billions of dollars per year, we can’t really afford not to take advantage of an affordable pet insurance option. With the high cost of routine health care visits, immunizations, diagnostic and surgical procedures, The Insurance Store can provide a solution. Cutting the high cost of veterinary care for our beloved pets makes it easier to do the right thing by our furry friends.

pet insurance

So many of our clients are pet owners. With the cost of well care visits and vaccinations getting more expensive every year, it makes sense to purchase the same type of health care insurance that we expect for our families. If you could save money and pay less for veterinary bills, wouldn’t you? Having a low cost insurance plan that offers premium pet health care insurance is now a dream come true. We offer Hartville Pet Insurance through Safeco. For a breakdown of pet insurance plans and coverages, please visit our Pet Insurance page. Call (860) 645-1960 today.

 

 

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September 2, 2018

Personal Insurance – East Hartford CT

Home – Auto – Life Insurance

 

For personal insurance products in the East Hartford CT area, call The Insurance Store of CT. We are a Manchester based agency serving East Hartford and the central Connecticut area.  When you have a family, you want to protect them. An accident, an interruption in income, or a loss can threaten your family in many ways. Take the future of your family’s well being into consideration. There are many different variables to consider when investing in your family’s financial future. When you are ready to learn about life insurance options, contact an expert in the profession to help you make knowledge based decisions. For the personal, professional service and the lowest life insurance rates available, call Sheri Wilson at The Insurance Store of Connecticut. When we give you a quote, we have already shopped multiple providers for the best rates… but it doesn’t stop there! The Insurance Store gives you the best rates now and with every renewal.The Insurance Store of Connecticut can help you find the information you need to choose the best life insurance policy for your family. Contact Sheri at The Insurance Store of Connecticut to answer your questions and protect your family with life insurance. At The Insurance Store of Connecticut, rest assured that Sheri Wilson and her staff will work hard to find you the best life insurance coverage at the best rates in Connecticut. Stop into our Manchester office or give us a call today at (860) 645-1960 for a consultation.Work with The Insurance Store of Connecticut to safeguard your family. Request a Quote directly from our website or call to schedule a consultation. Take a moment to get an instant life insurance, auto insurance, or homeowner’s insurance quote from The Insurance Store of CT. At The Insurance Store, rest assured that Sheri Wilson and her staff will work hard to find you the best Life Insurance coverage at the best rates in Connecticut. Stop into our Manchester office or give us a call today at (860) 645-1960 for a consultation.

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August 5, 2018

Commercial Property Insurance – East Hartford CT

east hartford ct

The Insurance Store of CT provides commercial property insurance for businesses located in the greater Hartford and Manchester CT area. The most common types of commercial insurance are property, liability and workers’ compensation. In general, property insurance covers damages to your business property; liability insurance covers damages to third parties; and workers’ compensation insurance covers on-the-job injuries to your employees.

One of the most common types of business insurance is commercial property insurance. This policy provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, wind and other natural or man made disasters are examples of what is typically covered. A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. The Insurance Store of CT helps you determine the type of insurance policy and range of coverage that is best for your business.

Whether you own a building structure, equipment, inventory, stock, furniture or fixtures, you have commercial property to protect. It’s not just about protecting your building, it covers everything that makes doing business possible. How will you replace your property in the event of a fire, theft, or severe storm? A catastrophic loss could close down your business temporarily or indefinitely. You will want to discuss the scope of your commercial property insurance requirements with our agents to assure your assets are protected. If you have equipment that is often taken off-site we can show you options for securing those items as well.

You can trust Sheri Wilson and her capable staff to find the right coverage for all your business insurance needs. Our Manchester office is minutes from Hartford, East Hartford, or anywhere in central Connecticut. Please call us today: 860-645-1960.

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July 8, 2018

Hurricane Protection – Connecticut

 
hurricane protection
 
The Insurance Store of CT would like to remind homeowners that you can take measures toward hurricane protection this season. When we are in the path of a storm, preparation can prevent costly storm damage. Just a reminder that with the right policy from Insurance Store of CT, hurricane damage will not be one of your worries. It’s hurricane season in Connecticut, and we never know what to expect. When we are in the path of  a hurricane, we expect very high winds and a potential for water damage and roof failure. We can even get a winter hurricane, a nor’easter or a hail storm that can damage your home and automobile. Hopefully we won’t even get to meet the first storm of the season, but if we do it’s always of upmost importance to be prepared. Make sure that your roof is in top condition, because the rooftop is your home’s defense from the elements. Check your attic ventilation, because large quantities of water can get blown inside the vents when winds reach up to 90 miles per hour. Windows and doors, shuttering the windows is an excellent defense against breaking glass.  Also check your surroundings. Secure or put loose items away in your yard, like lawn furniture, recycle bins, toys, tools and bicycles. This includes metal garbage can lids, which can become airborne in a storm. No one wants to think about suffering a loss, but in the event that Connecticut does have a nasty hurricane season The Insurance Store of Connecticut is designed to provide you coverage. If you are interested in learning more about how we can protect your home call The Insurance Store of Connecticut at 860-645-1960.

 

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June 24, 2018

Commercial Property Insurance – Hartford CT

hartford ct

The Insurance Store of Connecticut provides Commercial Property Insurance for Connecticut Businesses. Investing in a Commercial Property Insurance policy protects your property should a catastrophe occur. Commercial Property Insurance protects your small business beyond the scope of your Business Owner Policy. Whether you own or lease commercial property, The Insurance  Store of CT offers a variety of options that meet your coverage needs. Many small business owners are under the impression that their business owner policy provides all the coverage they will need to protect their property.

Whether you own a building structure, equipment, inventory, stock, furniture or fixtures, you have commercial property to protect. Remember, it’s not just your building. How will you replace your property in the event of a fire, theft, or severe storm? A catastrophic loss could close down your business temporarily or indefinitely. If you have equipment that is often taken off-site we can show you options for securing those items as well.

The agents at The Insurance Store of CT are extremely knowledgeable about the products and coverage that building owners and property managers require. Using our experience and expertise, we will design a solid plan to ensure you return to business as usual as quickly as possible in the event of a catastrophe such as fire, flood, power loss or theft. The Insurance Store of CT team will be your insurance partners. Our professional agents are thoroughly dedicated to the continuity of your business and your continued success.

At The Insurance Store of CT we will customize a commercial property insurance policy to your specifications, either as a standalone policy or as part of a package. Our commercial property insurance policy in Connecticut may include coverage for:

  • Structure (building)
  • Furniture
  • Equipment
  • Lost inventory
  • Landscaping
  • Signs
  • Loss of income
  • And more…

Contact Sheri at The Insurance Store of Connecticut today, and gain peace of mind knowing we can help you protect your business. Phone: (860) 645-1960.

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Commercial Property Insurance | Hartford CT | The Insurance Store of CT

June 10, 2018

Connecticut Pet Insurance

The Insurance Store of Connecticut is delighted to announce that we are now offering affordable Pet Insurance to our clientele. The high cost of health care is on everyone’s mind these days. With the cost of services rising in every sector, it has become increasingly difficult to keep up with budgeting health care for our families and pets. When you consider that pet health care costs are rising at the rate of billions of dollars per year, we can’t really afford not to take advantage of an affordable pet insurance option. Cutting the high cost of veterinary care for our beloved pets makes it easier to do the right thing by our furry friends.

connecticut pet insurance

So many of us are pet owners. The cost of veterinary care for our beloved family pets has increased tremendously lately, with the cost of well care visits and vaccinations getting more expensive every year. When our dogs and cats get sick or injured, the financial outlay can be catastrophic. If you could save money and pay less for veterinary bills, wouldn’t you? Having a low cost insurance plan that offers premium pet health care insurance is now a dream come true. We are delighted to announce that we are now offering Hartville Pet Insurance through Safeco. For a breakdown of pet insurance plans and coverages, please visit our Pet Insurance page. Call (860) 645-1960 today.

 

 

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Pet Insurance | Connecticut | The Insurance Store of CT