5 Ways to Prepare Your Home for Fall

With fall soon approaching, now’s a good time to start preparing your home for the change of seasons. The longer you put home projects off, the greater your chances of getting caught off guard when cold weather hits in earnest. Here are a few ideas from Koverage Insurance Group on how to prepare your Enfield, CT home for the cooler temperatures of fall.

Clear Out Your Gutters

Clean your home’s gutters of dirt and debris that can keep rainwater from draining freely. Clogged gutters can cause water to amass on your roof and eventually leak into your home.

Service Your Heating System

Schedule an appointment to have your heating system serviced before cold weather arrives. Clean your filters and vents and make sure airflow isn’t impeded by carpets, curtains or furniture. If your home has a fireplace, make sure it’s clean and ready for use. For safety’s sake, your chimney should be cleaned and inspected by a professional before using.

Seal Cracks in Windows and Doors

As winters can be freezing in Connecticut, take time now to seal cracks in windows and doors to eliminate drafts, keep warm air in and save money on heating costs.

Empty Hoses and Outdoor Faucets

Disconnect and store away outdoor hoses before temperatures drop. Run faucets and sprinkler system to drain all water and then turn off the water supply. This will prevent pipes from bursting when temperatures plunge.

Update Your Home Insurance

Review your home insurance coverage to ensure you have the dwelling, property and liability protection you need. This is especially important if you’re expecting visitors for the holidays. The right coverage will protect you against unexpected disasters or accidents that may occur on your property.

To upgrade your home insurance coverage, call or visit your Koverage Insurance Group agent in Enfield, CT today.

Who’s Covered Under Your Auto Insurance?

Summer’s a time for road trips and holiday activities with family and friends. With so much happening, it’s only natural to loan your vehicle to other drivers. Before allowing anyone to drive your car, make sure they’re covered by your auto insurance. The following guidelines by Koverage Insurance Group in Enfield, CT explains more about auto insurance coverage for "guest" drivers.

Immediate Family

Relatives who are part of your household are automatically covered by your auto insurance coverage. If your parents, brother, sister or another family member with a valid driver’s license borrows your vehicle, they will be protected by your insurance policy, as long as they have your permission to use the car.

Visiting Relatives

It’s not uncommon to have relatives come to visit for the summer. They may ask to borrow your car for a quick trip to the supermarket or local mall. If you give them permission to drive your vehicle, they will be covered by your auto insurance. Naturally, you should ensure your relative has a valid driver’s license and is a safe driver before loaning out your car. If Uncle Henry is known for speeding or Aunt Mary has a history of fender benders, you may want to think twice before letting them borrow your vehicle.

Friends

Friends are also covered under your auto insurance if they have a valid driver’s license and you’ve given them permission to use your car. Guest drivers, however, may not have the same level of protection that you have on the road. When in doubt, talk to your Koverage Insurance Group agent about the coverage guest drivers have under your policy so you can be prepared in the event of an accident.

To learn more about auto insurance options, coverage and costs, call or visit your Koverage Insurance Group agent in Enfield, CT today.

What Does Business Interruption Coverage Do?

Our Enfield, CT customers often wonder about how commercial insurance works, and why it is important to their business. Truthfully, the most loss a business can experience comes from the suspension of work due to damages, in addition to the loss of actual property.

Today, Koverage Insurance Group will examine how the business interruption coverage in your commercial insurance policy can help you get your business back on its feet following a major disaster.

What is business interruption coverage?

Imagine a situation in which you are no longer able to conduct normal business operations for an extended period of time. This can happen due to damages from natural disasters, criminal vandalism, or a fire; just to name a few.

During the period of time it takes to restore your business into proper working order you will likely be losing money. This is where business interruption coverage can help.

This type of coverage can help assure that you are able to repair or replace needed property, as well as provide for bills or lost wages during the restoration process. Specific coverage will be determined by your policy, usually determined by the nature of your business.

What should I do when my business is suffering hardship due to a covered loss?

  • Give notice as promptly as possible – If a law was potentially broken, inform the police. Then make sure you notify your insurance company of the loss including the time and location of the damaged or lost property.

  • Protect your property from further loss – If reasonable, move or otherwise shelter the remaining property from damage until it can be evaluated.

  • Record all expenses for repairs and other emergency costs – These will be important considerations for your insurance settlement.

Koverage Insurance Group is dedicated to helping see our Enfield, CT commercial insurance customers through times of emergency. Contact us today to discover more reasons why business interruption coverage will protect you during times of crisis.

What Type of Home Security System Is Best?

Home security systems can be very basic or extremely sophisticated. When it comes to choosing the type that’s best for your needs, you will have to decide how much effort you want to put into the installation and monitoring the system. Residents who live in the Enfield, CT area can talk to the agents of Koverage Insurance Group to find out how a home security system can help to protect your home and family. 

Self-Monitoring Systems

Self-monitoring systems like SimpliSafe Arlo and Nest are easy to install and can be self-monitored. If you want to install the system yourself but prefer professional monitoring by a third-party call center, that option is available to you. With self-monitoring systems, you can add other devices to your system as desired without having to call a professional technician to install them.

Advanced or Professionally Monitored Systems

Advanced, professionally monitored systems like ADT, Frontpoint, and Brinks offer state of the art technology that includes environmental hazard detection and full home automation. With home automation, you can literally control almost any device remotely by using a downloadable app on your phone or tablet. You can even control your thermostat and door locks. Advanced systems normally require professional installation and can be hardwired directly into your home’s electrical system.

In Enfield, CT, the agents of Koverage Insurance Group can help you determine which type of home security system will fit your lifestyle. They can also recommend a security system for your business. No matter what type of system you choose, the agents are always available to answer your questions. Call and schedule an appointment today to talk to a reputable agent today!!

How Does Pulling a Trailer Affect Auto Insurance?

Before towing a trailer with a vehicle, be sure to contact your agent at Koverage Insurance Group, serving Enfield, CT and the surrounding area. There are many types of things that a vehicle can tow, which include campers, trailers that carry horses, utility trailers, and trailers used to haul boats. There are trailers for motorcycles, snowmobiles, watercraft, ATVs, and others. All of these uses may require special insurance.

Your auto insurance may partially cover some risks when towing a trailer; however, there are many considerations that can affect your insurance coverage For anything that you want to tow, you probably need to expand your auto insurance coverage.

Please note that we are just describing some general information about the possibilities. For the specifics about your coverage, talk with your agent.

Here are some main concerns:

  • Own or Rent: There is usually a difference in insurance coverage if the trailer is owned by the insured driver or if the trailer is rented. Coverage for a rented trailer may be excluded under an auto insurance policy. In that case, you may need to get insurance for the trailer from the rental company.
  • Fault: An auto policy may cover liability for damages caused to others and their property when the accident is the fault of another person but may not cover any damage if the accident is your fault.
  • Extended Coverage: Extra insurance coverage may be required for the things you will pull with the trailer, such as a boat, or your personal property such as things carried in a camper or horses transported in a horse trailer.
  • Personal vs. Commercial Use: Any commercial use of a trailer requires a different kind of insurance than the type that covers personal use. Err on the side of caution because things like entering a horse in a horse show may be seen as a commercial venture, especially if cash prizes are awarded to the winners. Even an occasional commercial use, means the trailer and auto may need to be insured for commercial activities.

Contact your agent at Koverage Insurance Group in Enfield, CT by calling or using the convenient online form to get a quote for auto insurance that also provides adequate protection for things that you tow and for any trailers.

Koverage Insurance Group LLC News

FOR IMMEDIATE RELEASE

KOVERAGE INSURANCE GROUP LLC REPRESENTING CENTRAL INSURANCE COMPANIES

Koverage Insurance Group LLC, 657 Enfield Street, Enfield, CT is proud to announce they are now representing the Central Insurance Companies of Van Wert, Ohio.

Established in 1876, Central is a highly respected company that values long term relationships and knows the importance of personal, friendly service. The Central Insurance Companies are made up of Central Mutual Insurance Company, and All America Insurance Company. Central operates in 24 states with their Home Offices in Van Wert, Ohio. Central’s A.M. Best rating is A (Excellent).

Koverage Insurance Group has been serving the insurance needs of CT residents and businesses for “over 100 years combined” Koverage Insurance Group is comprised of multiple insurance agencies in CT.  Koverage was founded by The Jarrett Agency, DiLorenzo Insurance and Stephen Rak Insurance Group. Koverage is dedicated to providing the best insurance carriers available to its clients.

Call Michael DiLorenzo at 860-745-4222 for more information about Koverage Insurance Group LLC or visit their web site at www.koveragegroup.com.      

For additional information contact:

Michael DiLorenzo @ 860-745-4222

Must Have Commercial Coverage for Small Businesses

Protecting your small business with commercial insurance will help it prevail through the good times and the bad. If you’re not prepared, an unforeseen disaster could lead to financial ruin. Commercial insurance from Koverage Insurance Group can protect your Enfield, CT enterprise from liability claims, property damage, loss of inventory, loss of income and more. Here’s the coverage you need to protect your fledgling enterprise:

Business Property

Business property coverage will protect your building, business equipment, inventory and signage from disasters like fire, wind damage, hail, rainstorm and more. You never know when disasters will strike but you can be prepared with proper insurance coverage.

Liability Coverage

As a business owner, you have several choices of liability coverage – general liability and professional liability. General liability protects your business from accidents customers may have on your property by covering the cost of their injuries or property damage. Professional liability protects you against claims customers may make against you or your employees due to faulty services or products.

By purchasing a BOP (small business owner’s policy), you get both of these coverages in one policy as opposed to buying them separately.

Workers’ Comp Insurance

If you have one or more employees, most states require that you get worker’s comp coverage to protect your workers against injuries on the job.

Business Interruption

Business interruption can protect you against financial loss if you have to shut down temporarily due to a disaster. This coverage covers loss of income, employee wages and the rental of a temporary location while your old place is being repaired.

Commercial insurance is your first line of defense against disasters that can cause you financial loss. For customized commercial insurance coverage to meet your business needs, contact your Koverage Insurance Group agent in Enfield, CT.

Does your Connecticut home insurance policy have the coverage that you may need this Winter?

2019 is off to a brutal start, and it does not appear that the winter weather is going to let up any time soon. If you are in the greater Enfield, CT area and would like to review your current homeowner’s policy for completeness, the team at Koverage Insurance Group is here to help. Cold and wet weather can cause all kinds of damage to your home, from roof leaks to frozen types. Don’t wait until it’s too late to find out that your current policy doesn’t provide the protection you need.

Comprehensive home insurance options in Connecticut

Cabin fever is just the start of the fallout that winter weather can cause in the New England area and the northern part of the country. Cold temperatures can cause frozen pipes and icy sidewalks and driveways. While snow can cause damage to your roof due to its excess weight. Many homeowners neglect to consider a review of their liability coverage when inclement weather comes to town. Slips and falls can become more prevalent when there is ice and snow on pathways, and if an injury occurs on your property, you may be held responsible for any damages or injuries. When you have the comprehensive home insurance policy that provides you with the correct level of protection, you can rest assured that you will be covered no matter what this winter may bring! Make sure you have the right policy at the correct level today.

Don’t find out that your homeowner’s coverage is incomplete AFTER your house is damaged; make sure that you have the coverage that you need! If you are in the greater Enfield, CT area, call or stop by the Koverage Insurance Group today to learn more.