August 30, 2019

Motorcycle Insurance – East Hartford CT, Glastonbury CT

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motorcycle insurance

Are you getting the best value in your motorcycle insurance coverage? The beautiful state of Connecticut has it all: rolling hills, miles of shoreline, and gorgeous country roads. Connecticut is a great environment for enjoying the open road, wherever you live. Before you take a ride down to the shoreline on your motorcycle, review your coverage and rates with Sheri Wilson at The Insurance Store of CT. In East Hartford and Glastonbury CT, The Insurance Store has the best rates with personal service.

Like automobile drivers, motorcyclists in Connecticut are required by law to carry liability insurance with the following minimums:

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

As an independent agent, The Insurance Store of CT can shop all the best companies and motorcycle insurance rates. Need more than the minimum 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 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 for your particular motorcycle insurance needs. 860-645-1960.

 

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Motorcycle Insurance | East Hartford CT, Glastonbury CT | Insurance Store of CT

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 15, 2019

Motorcycle Insurance- Manchester CT, East Hartford CT

ct motorcycle insurance

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 15, 2019

Connecticut Flood Insurance – East Hartford CT

ct flood insurance

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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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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Your First Life Insurance Policy | East Hartford, CT | The Insurance Store of CT

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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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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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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Flood Insurance | East Hartford CT | Insurance Store of CT

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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October 14, 2018

Auto Insurance – East Hartford CT, Manchester CT, Bolton CT

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auto insurance manchester ct

Important Auto Coverages you should know more about.

You can buy automobile insurance anywhere, but the personal service you get from the Insurance Store of CT sets us apart from the rest. Here are some important coverages you should carry. Call Sheri Wilson today to tailor your coverages to your specific needs.

Liability coverage  – To help pay the possible losses that you may have cause in a accident.

Medical Payments coverage –  To help you pay for medical issues with you, or anyone in the car regardless of who’s fault the accident is

Uninsured Motorists Coverage – To help you pay for medical injuries from a driver who does not carry auto insurance.

Sheri from the Insurance Store of CT can help explain more about different Auto Policies and how important each one of them are. Remember not every state requires Auto Insurance so best way to protect yourself is by having Insurance that can protect you. Call Sheri Today and find out why Insurance Store of CT is your best choice for a local agent.

Optional Car Insurance

Connecticut car insurance companies typically offer several other optional types of auto insurance coverage. These include:

  • Collision – This will help cover accident-related damages to your car.
  • Comprehensive – This will help cover damages to your car that are not related to traffic accidents, such as theft-related damages.
  • Rental car.
  • Emergency road service.

Connecticut does not require you to purchase collision and comprehensive insurance. However, your bank or finance company will require you to purchase both collision and comprehensive coverage IF your car is under a loan or lease agreement.

The rates you pay depending on the value of your vehicle and the zip code of your neighborhood. The Insurance Store of CT is a great place to start saving on the insurance you need and want. You may find other perks to that will lower your rates and obtain discounts. Ask Sheri how.

Sheri Wilson has twenty years of experience providing clients in the greater Hartford area with great insurance coverage. The Insurance Store of Connecticut is ready to help you with all of your future insurance needs. The Insurance Store of Connecticut 303 East Center St, Manchester, CT 06040.  Call today: 860-645-1960.

 

Auto Insurance | East Hartford CT, Manchester CT, Bolton 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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