November 15, 2019

Home Insurance – Willimantic CT

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When you want the best Home Insurance quotes in Willimantic CT, call The Insurance Store if CT. Your home is your most important investment, so shop for insurance wisely. Why not have the Insurance Store of CT shop different carriers and rates for you? Sure, you want a local insurance agent that will shop all the possible carriers to get you 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.

If you live near the Connecticut River, you are going to want to protect yourself from the expense of flood damage. Many homeowners are unaware that flood damage is not covered in a standard homeowner’s insurance policy. Most mortgage lenders do not require homeowners to purchase flood insurance unless they live in an area at high risk for floods.

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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November 11, 2019

Happy Veterans Day 2019

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October 30, 2019

Home Insurance – Colchester CT

Shop for the best Home Insurance policy for your Colchester CT home with the Insurance Store of CT. When shopping around for CT Homeowners Insurance, it’s not just about rates. Owner and CEO Sheri Wilson will be happy to review your needs and find the best policy at the best value. For your family’s peace of mind, you should purchase the best homeowners insurance coverage you can afford. 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. Remember, insurance should be there for your family to replace the largest investment of your life, your home, and the belongings within it. 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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October 15, 2019

Life Insurance Options – Andover CT

If you have a young family, The Insurance Store of CT would like to talk to you about your life insurance options. There are a number of choices you can make to invest in your family’s future. When you have dependents, especially young children, a life insurance policy will be there should you meet an untimely death. 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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September 30, 2019

Commercial Umbrella Insurance – Manchester CT

A commercial umbrella insurance policy provides protection above the limits of your conventional policies. When you want insurance that will protect you from an excessive lawsuit, look into an Umbrella policy. A commercial umbrella policy will help cover the gap when a claim exceeds your standard policy limits. When you have questions about your business insurance needs, call Sheri Wilson at The Insurance Store of CT. Most umbrella policies provide an extra $1 million to $10 million dollars in coverage.

Don’t 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 your business is protected with umbrella insurance. 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. 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. Don’t get caught in the rain without a commercial umbrella insurance policy from the Insurance Store of CT. We serve Manchester, Vernon, Tolland, Glastonbury and all other surrounding CT towns. 860-645-1960.

 

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September 15, 2019

Affordable Pet Health Insurance – Glastonbury CT

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Are you looking for affordable Pet Health Insurance plans in greater Hartford?  When you have pets, you want the very best care for them as they mature. 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 for diagnostic tests and surgery can be catastrophic. Pet health care costs are rising at the rate of billions of dollars per year, but treatments are more sophisticated as well. Do what you would for your family and consider pet health insurance. 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. 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. The Insurance Store of CT is minutes from Glastonbury – come down or call (860) 645-1960 today.

 

 

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July 30, 2019

Hurricane Home Protection – Manchester CT

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The Insurance Store of CT would like to remind you that it may be time to look into hurricane home protection. In Connecticut, we never know what to expect. With hundreds of miles of shoreline, we have seen our share of devastating storms. When a hurricane strikes our beautiful state, many homeowners find out that damages their homes sustain are not covered by their homeowner’s insurance. Hurricane Insurance is not a separate policy, but certain damage may not be covered under your existing homeowner’s policy. Know the basics of what hurricane damage is covered before the storms start heading our way. You can, however,  take measures toward hurricane protection this season. The Insurance Store of CT will be happy to explain your homeowner’s insurance options.

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. When we are in the path of  a hurricane, we expect very high winds and a potential for water damage and roof failure. In general, your existing policy will cover high winds ripping roof shingles off resulting in water penetration. Basement flooding, however, is not covered. For that you will need a Flood Insurance policy. Hurricane damage to your boat, car, or RV will require comprehensive insurance.

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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July 15, 2019

Insure Your Home-Based Business – Glastonbury CT

 

home based business insurance

Have you wondered whether or not to insure your home-based business? When you run a business out of your Glastonbury CT home, you may face a number of risks. Call Sheri Wilson at The Insurance Store of CT to learn whether 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. 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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*Source: Connecticut Insurance Department

June 30, 2019

Pet Insurance Plans – Manchester CT

As a leading Independent insurance Agency in Manchester CT, The Insurance Store of CT now carries Pet Insurance Plans. Obtaining quality veterinary health care for our beloved pets should never cause the added stress of financial hardship. The Insurance Store of Connecticut is pleased to provide our clients with an affordable option should your pet require diagnostic testing or life-saving surgery. 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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June 15, 2019

Best Boat Insurance – East Hartford CT, Manchester CT

 

boat, yacht, watercraft

Call The Insurance Store of CT for the best boat insurance at the lowest rates. Boating can be an expensive hobby, but your boat and watercraft insurance shouldn’t be cost prohibitive. You will get great boat, yacht and watercraft insurance coverage through an independent agent like Sheri Wilson. An independent insurance agency shops many carriers to offer you the best insurance value available. Boating enthusiasts in Connecticut can think of nothing else once the weather gets warm. When you get out on the water, you leave your troubles behind for a while. The Insurance Store can give you the peace of mind that can make your time on the water worry-free. We find comprehensive protection for you, your family, your friends, your watercraft, and your equipment.

Your boat insurance includes protection from liability, medical payments, physical damage coverage, uninsured/underinsured watercraft bodily injury, fuel spill and wreckage removal, personal effects, unattached equipment coverage, and emergency assistance. It may surprise you to learn that state law does not require you to have boat or yacht insurance. There may, however be circumstances in which you may be required to carry it. CT boaters should know that they should NOT cancel their insurance once the vessel is paid off. Next, do not reduce your liability. Although you may save on monthly premium costs, lowering your liability may not adequately protect all of your assets. Next, do not cancel your boat insurance off season. Off season cancellations could potentially risk your boat when it’s not in the water. Cancelling your insurance off season leaves you in a dangerous situation if there is a fire, a storm, or if a tree falls. Don’t let improper coverage sink your boat. Call Sheri at The Insurance Store of Connecticut for all of your boating insurance needs. 860-645-1960.

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May 30, 2019

Lower Your Motorcycle Insurance Rates – Manchester CT

Motorcycle Insurance at the Best Rates: The Insurance Store of CT

There are several ways you can lower your motorcycle insurance rates. At The Insurance Store of CT, we can insure all types of vehicles, from cars, trucks, motorcycles, to RVs and yachts. Everyone who buys insurance wants to be assured of the best value for their money when it comes to insuring their property. As an independent insurance agency, The Insurance Store of CT shops all the major companies for our clients for great coverage and low rates. We shop for the best value at renewal time so you never have to worry about your motorcycle insurance rates.

There are many factors that affect motorcycle insurance rates in CT. The average motorcycle insurance premiums differ depending on the city or town in which you reside. For instance, Bridgeport has one of the highest rates while Bristol (40 miles away) has the lowest. The best motorcycle insurance companies lower the cost to the consumer with incentives. These include accident forgiveness and high coverage limits for custom equipment. The age of the policy holder and marital status are among the most important considerations. A clean driving record and completing a motorcycle training course can also lower your rates.

The Insurance Store of CT will ensure you have the best Motorcycle coverage for your protection and others. In CT there are Motorcycle insurance minimum requirements that you must carry as well. To register your motorcycle in Connecticut you must have adequate coverage. Although motorcycle insurance requirements in the state mirror the requirements of car insurance in the state, slight differences do apply. To find out more information about motorcycle coverage rates and requirements call The Insurance Store of Connecticut. We serve Manchester CT, East Hartford CT, Tolland CT, Glastonbury CT and all surrounding areas. Call 860-645-1960.

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May 15, 2019

Motorcycle Insurance- Manchester CT, East Hartford CT

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Motorcycle Insurance is required in Connecticut. It’s motorcycle season, and you have waited all winter to get your Harley on the road. We are The Insurance Store of CT, with a reminder to take a look at the insurance coverage you have right now. Like car drivers, motorcyclists in Connecticut are required by law to carry liability insurance with the minimum coverages:

    • $20,000 bodily injury per person
    • $40,000 bodily injury per accident
    • $10,000 property damage per accident

The Insurance Store of CT is an independent agency, so we can shop all the best companies. It makes sense to get the best coverage at the lowest rates! Before you get on the road this summer call Sheri Wilson at The Insurance Store of CT. The Insurance Store of CT will ensure you have the best Motorcycle coverage for your protection and others. Although motorcycle insurance requirements in the state mirror the requirements of car insurance in the state, slight differences do apply. In some cases you can qualify for money saving discounts! To find get more information about CT state motorcycle coverage rates and requirements call The Insurance Store of Connecticut. We serve Manchester CT, East Hartford CT, Tolland CT Glastonbury CT and all surrounding areas. 860-645-1960.

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April 30, 2019

Commercial Umbrella Insurance – Glastonbury CT

umbrella insurance policies
Business owners who are at risk of going over the limits of their primary lines of insurance may need commercial umbrella insurance. An umbrella insurance policy extends liability coverage to protect a business. When you have questions about your business insurance needs, call Sheri Wilson at The Insurance Store of CT. Umbrella insurance is the coverage that may kick in when your losses under other insurance policies have exceeded policy limits. Most umbrella policies provide an extra $1 million to $10 million dollars in coverage.

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. 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. 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. Don’t get caught in the rain without a commercial umbrella insurance policy from the Insurance Store of CT. We serve Manchester, Vernon, Tolland, Glastonbury and all other surrounding CT towns. 860-645-1960.

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April 15, 2019

Connecticut Flood Insurance – East Hartford CT

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The Insurance Store of CT can help you with Connecticut Flood Insurance. It’s Spring again in the Connecticut River Valley. In East Hartford and other towns near the river, snow melt and runoff from heavy rains leads to flooding. Flooding can happen anywhere. If your property is prone to flooding, you ought to have flood insurance. 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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March 30, 2019

Insuring Your Small Business – East Hartford CT

Connecticut Business Insurance at The Insurance Store of CT

 

Insuring your small business deserves careful consideration. You have a lot on your mind just managing your business. In the East Hartford area, when you want to explore your business insurance options, call The Insurance Store of CT. Sheri Wilson will discuss your business structure to determine how to protect your interests. As an independent agent, she shops the policy with many different companies.

If you are a restaurant or retail store owner, wholesaler or contractor, with less than 100 employees, you may want to at a Business Owner’s Insurance policy. The BOP combines protection from all major property and liability risks in one package. Package policies are created for businesses that generally face the same kind and degree of risk. This type of policy does NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You’ll need separate insurance policies to cover professional services, vehicles and your employees.

In a BOP package, there is property insurance for the building and all the contents owned by the company are covered. Business interruption insurance covers the loss of income resulting anything that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.
Liability protection covers your company’s legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided. Included are defense costs for libel and slander.

A Business Owner’s Policy (BOP) is a convenient way to help protect your East Hartford CT business for property damage and liability insurance in a single policy. By bundling these two coverages into one policy, you can worry less about insurance policies and focus more on your customers. Contact The Insurance Store of CT today for a free Business Owner’s Policy quote. We’ll work together to create a plan that works for your business.  Call us today at 860-645-1960.

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