Connecticut is full of things to see and places to visit. Attractions range from the Hammonasset Beach on the Atlantic to the Foxwoods Casino to the Maritime Aquarium. As a Connecticut resident, you may have a home or an apartment, a boat or an ATV and you may also own a business. Whatever your situation, you are going to need Connecticut insurance protection for your property, your livelihood and your family.
For a complete solution to all your insurance needs, find an independent agent in the Trusted Choice® network. Independent agents work with multiple companies so they can access many Connecticut insurance quotes to meet your needs. There are 278 Trusted Choice agents in the state and Connecticut ranks 20th in the country for agent-to-population ratio, so you should have no difficulty finding an agent in your area today.
There are two kinds of insurance agents:
An independent agent can shop for quotes among many companies for the Connecticut insurance plan that best matches your needs at a cost that fits your budget. Whether your coverage is placed with one company or several, you can get a complete insurance plan by doing business in only one office.
Connecticut requires that every driver carry minimum liability limits of $20,000 per person and $40,000 per accident in bodily injury coverage and $10,000 property damage coverage. Most drivers can benefit from much higher limits for adequate protection in case of an accident.
A complete automobile insurance policy will provide the following:
Connecticut also requires that you carry evidence of insurance in the vehicle. This can be a copy of the declarations page of the policy or an insurance ID card.
Everyone's exposures and needs are different. If you work with an independent agent in the Trusted Choice network, you can obtain quotes and rates from multiple companies in order to get the Connecticut insurance coverage that is right for you at the lowest possible cost.
96% of homes in Connecticut are insured, though 64% are underinsured. In order to get the full benefit of your policy you should carry enough coverage on your dwelling to fully cover its replacement cost. A typical homeowners insurance policy will provide the following:
Your building and contents coverage will be subject to a deductible. You should know that homeowners policies do not cover flood and earthquake damage typically. For these risks you may need a separate policy.
When shopping for homeowners insurance, a captive agent will be able to offer you a quote from only one company. An independent agent represents multiple companies and will be able to offer you a choice of Connecticut insurance quotes in order to find the policy that fits your needs and budget.
Business insurance can be very complex. A professional agent can put together a program that is right for you. Basic coverages for a business will include:
These are only the basic coverages. If you have risks and exposures out of the ordinary, you may want to research other coverage options. Your best bet is to work with an independent agent who can shop for policies from multiple companies to find the best Connecticut insurance plan for you.
You might need life insurance in Connecticut for several reasons:
There are many different versions of life insurance like term life, whole life and universal life. You need an experienced agent to work with you so you get the right coverage for the least cost. An independent agent can give you multiple Connecticut insurance quotes so you can find the coverage you need at a price that meets your budget.
With the pending implementation of the Affordable Care Act (ACA), the entire health insurance industry is in a state of flux. If you are looking for personal health insurance, here are a few of your probable options:
If you are an employer looking to offer health benefits to your employees, it is important that you find an experienced agent who can help you work through the rules and regulations governing employer-offered health coverage starting in 2015. This will ensure you won't face any fines or other unexpected changes.
Please note that this brief discussion is not a complete analysis of the ACA.
Because Connecticut residents enjoy an extensive Atlantic Ocean coastline plus many inland lakes, rivers and streams, boat ownership is very popular. Connecticut law has certain requirements for boat ownership. Vessels that meet the following criteria must be registered:
The state does not require insurance. That said, it is always best to carry a proper watercraft policy which will provide for the following:
If you work with an independent agent, you will be able to access multiple quotes from different carriers and pick the policy that is right for you at a price that fits your pocketbook. Contact a member of the Trusted Choice network to get the best Connecticut insurance at the lowest cost.
Whether you need personal insurance or business insurance, a professional agent who understands your needs and can access multiple companies is a great resource to have. Agents in the Trusted Choice network are committed to providing you with the best service they possibly can.
There are 278 agents in the Trusted Choice network in Connecticut, so help is right around the corner. Contact a member agent near you who can service all your insurance needs.