Auto / Home / Umbrella / Flood

Auto Insurance

Auto insurance policy protects you in case of a car accident, fire, theft, vandalism. Some of the main coverage are explained below:
Bodily Inquiry Liability: Selected limit amount by you- that covers injury to others in the event of an accident.
Property Damage Liability: Selected limit amount by you – that covers you for damage to the property of others for which you would be responsible in the event of an accident.
Uninsured and Underinsured Motorist Liability: Also called UM & UIM – Selected limit amount by you – that covers the cost of medical expense
to you if someone hit you and doesn’t have insurance or is underinsured.
Medical Payments: Selected limit amount – covers medical expenses for the insured and member of the insured’s vehicle resulting from an accident.
Comprehensive: covers damage to your vehicle from non-crash incidents, such as fire, vandalism, acts of nature and theft subject to a deductible selected by you.
Collision: covers you for damage to your insured vehicle subject to a deductible selected by you.

Home – Condo – Town House Insurance

Homeowner policy covers your house, and the belongings in it, against theft or damage. Some of the Coverage are explained below:
Coverage A: Dwelling and attached structures such as garages and decks
Coverage B: Other Structures such as detached garages and sheds
Coverage C: Personal Property such as furniture and clothing
Coverage D: Loss of use or access to your dwelling
Coverage E: Personal liability for property damage and bodily injury to others
Coverage F: Medical Payments to others

Renters/Tenants Insurance

Renters/Tenants Insurance helps protect you and your belongings against theft or damage. Some of the Coverage are explained below:
Coverage C: Personal Property such as furniture and clothing
Coverage D: Loss of use or additional living expenses, should the renters become temporarily uninhabitable
Coverage E: Personal liability for property damage and bodily injury to others
Coverage F: Medical Payments to others

Umbrella Insurance

Umbrella insurance is a type of personal liability insurance that covers claims in excess of regular homeowners, auto, or watercraft policy coverage. Umbrella insurance covers not just the policyholder, but also other members of their family or household. Umbrella insurance coverage covers injury to others or damage to their possessions; it doesn’t protect the policyholder’s property.
An umbrella policy can help you protect yourself from a personal liability lawsuit. Unfortunately, we live in a lawsuit-happy world. Where anyone can sue you for anything and ruin you financially. Even the most careful person with the best intentions can end up owing a fortune from a personal liability lawsuit. While you’re unlikely to find yourself in this situation, it’s still smart to protect yourself.

Flood Insurance

Flood insurance is a special policy that is federally backed by the (NFIP) and available for homeowners, renters, and businesses regardless of whether the property is in a floodplain. The standard homeowner’s/property insurance does not cover floods. The standard flood insurance policy pays for direct physical damage to insured property up to the replacement cost or actual cash value (ACV) of actual damages or the policy limit of liability, whichever is less.

Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Flood risk isn’t just based on history, it’s also based on a number of factors: such as rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development. Many floods are caused by hurricanes, broken levees, outdated or clogged drainage systems and large amounts of rain. Some floods can occur suddenly and recede quickly. Others take days or even months to build and discharge.

We take pride in our agency about always being there for our customers. When you contact larger insurance companies you may get a recording or a different person every time you call, but with The Insurance Store of CT, you can feel secure that you will always be dealing with the same insurance agents. Our customers are not just clients, they become more like an extended family.

Don’t hesitate to give us a call or make an appointment to meet face to face to discuss any of your questions or your insurance needs. We can answer any of your billing questions, take your monthly payment, help with claims questions, as well as make changes to your policy.

“No Need too Small… No Problem too Big”

The Insurance Store of CT offers an extensive range of insurance services to accommodate all of your insurance needs, including Auto, Home, Umbrella, Dwelling/Fire, Condo, Renters, Flood, Life, Health, Pet, Antique Auto, Boat, Yacht, Mobile Home, RV, Travel Trailer, Motorcycle, Snowmobile, ATV, Golf Cart, Recreational Vehicles, Business Insurance, General Liability, Commercial Property, Commercial Auto, and Workers Compensation.  We save you time and money by doing the comparison shopping for you! We quote your insurance policy with multiple companies so that you can be confident that you are getting the proper coverage at our lowest rates. We specialize in finding the lowest insurance rate for everyone including new drivers, experienced drivers, and those less than perfect drivers. We also re-quote our existing clients’ renewals term to try and save them even more money.

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