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Griswold, CT 06351

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Trahan Insurance Agency, LLC Blog

What to Do When the Liability Coverage for Your Car Is Not Enough

One of the most common questions we get at Trahan Insurance Agency LLC, serving Griswold, CT, and surrounding communities, is, "How much liability coverage on my car is enough?"

If you insure your car in Connecticut, your policy will provide at least the state minimums for liability:

  • Your policy will cover bodily injury and lost wages for each person at least $25,000.
  • Your policy will provide coverage for bodily injury and lost wages for each accident of at least $50,000.
  • You’ll be covered for property damage coverage no less than $25,000.
  • You will also be covered if the other driver is not insured, $25,000 toward medical bills, lost wages for each person, and $50,000 for each accident.

The problem with minimum liability coverage for your car is that it can be totally inadequate if you are at fault in a serious car crash.

Unlike Massachusetts and New York, Connecticut is an at-fault state. Drivers are not required to carry Personal Injury Protection (PIP) coverage to cover their losses in an accident.

If you are at fault in a car crash in Connecticut, the other party can seek damages from you in court. The other driver can sue you for all their medical bills, all their lost wages, lost future income, damage to their car, pain, and suffering. That’s when you need an insurance company on your side.

Trahan Insurance Agency LLC, serving Griswold, CT, and surrounding cities, can help you find the right insurer with the right liability limits. Most Connecticut auto insurance customers need far more than the state minimum coverage to protect their assets from legal action.

Surprising Things Covered by Homeowner’s Insurance

You know your homeowner’s policy covers your home’s structure and your possessions. However, some things are covered that may surprise you. At Trahan Insurance Agency LLC in Griswold, CT, we offer homeowner’s policies to meet your needs. 

Spoiled Food 

Groceries can be expensive. If you have a power outage, you may have to toss everything in your fridge. Your homeowner’s policy will cover the cost of these food items so you can restock your fridge. 

Falling Meteors 

Meteors falling from the sky is probably low on your list of worries, but it does happen occasionally. You can rest assured that if a meteor or other falling object hits your home, your policy will cover the repair or replacement of your home. This coverage includes satellites, meteors, and even airplanes. 

Damaged Outbuildings

Your homeowner’s policy doesn’t just cover your home. It also provides coverage for any other structures on your property. This includes sheds, barns, and outbuildings. You’ll have the money to repair or replace them if they are damaged. 

Wild Animals 

Your homeowner’s insurance won’t help if your dog eats your furniture. However, this is covered if a bear breaks in and damages your home. Your policy may have exceptions for common pests, like rats and squirrels, but damage from wild animals is generally covered. 

Hotel Costs 

If a covered event damages your home and you can’t live in it until it’s repaired, your homeowner’s policy will cover your living expenses. This includes hotel costs or rent and food expenses.  

Homeowner’s Insurance at Trahan Insurance Agency LLC

If you are looking for homeowner’s insurance in Griswold, CT, contact Trahan Insurance Agency LLC. Our experienced agents will help you select a policy that meets your needs. 

Auto Insurance Protections Explained: Comprehensive vs. Collision

Collision and comprehensive coverage are two common yet key components of auto insurance that many motorists incorporate in their policies. Each offers protection against damage to your vehicle, albeit in differing situations.

Collision Coverage: Your Guard Against Unexpected Incidents

Offering protection against damages to your vehicle from an accident, collision insurance covers scenarios involving another vehicle or a stationary object. Be it rear-ending a suddenly stopping car, a head-on collision, a fender-bender in a parking lot, or colliding with a tree, parking lot lamp post, guard rail, or even your house’s garage door, collision coverage likely steps in. In the event of a covered accident, this coverage typically pays for repairing your vehicle up to its value minus your deductible. At Trahan Insurance Agency LLC, we consider this coverage essential and recommend it for many drivers in Criswold, CT.

Comprehensive Coverage: Protecting Beyond the Drive

Designed to safeguard your vehicle from non-collision incidents, comprehensive coverage covers a wide spectrum of scenarios, including theft, vandalism, natural disasters, and even encounters with deer on the roadway. While hitting stationary items often falls under collision, comprehensive coverage might come into play when hitting a moving object like an animal. Moreover, it likely covers a tree falling on and damaging your parked vehicle. Like with collision, comprehensive coverage usually pays for repairs up to the vehicle’s worth after considering the deductible. For Criswold, CT residents, acquiring full glass coverage usually allows the removal of the deductible for claims involving windshields and window damage.

Securing Your Vehicle with the Right Insurance

Striking the right balance of auto insurance coverage tailored to your requirements is crucial. At Trahan Insurance Agency LLC, we’re here to help you secure an auto insurance policy that includes both collision and comprehensive coverage and any other coverage you may need.

Home Insurance in 2024: FAQs

Understanding the Importance of Home Insurance in 2024 with Trahan Insurance Agency LLC

Your home represents more than just a shelter—it’s more than likely the most substantial investment you’ve made in life. As such, finding ways to protect it is paramount. Securing home insurance is one of the best ways to ensure your home’s protection. If you are contemplating purchasing home insurance in 2024, we’ve answered some of the most common questions you may have:

Why is Home Insurance Crucial in 2024?

Firstly, most lenders necessitate homeowners to have suitable home insurance. However, it’s essential not to overlook the fact that accidents and unexpected events can occur at any time. An adequate home insurance policy is vital to maintaining peace of mind and preventing unnecessary future expenses.

Do You Need to Review Your Insurance Policy?

Yes, indeed. Any changes made to your home should prompt an insurance policy review. This is especially important when renewing your policy.

How Much Home Insurance Do You Need?

The amount of home insurance required depends on multiple factors. However, the primary rule for home insurance in 2024 is ensuring you have sufficient coverage to rebuild your home completely during a disaster.

Where Can You Find Home Insurance in 2024?

Trahan Insurance Agency LLC can provide the home insurance you need if you’re a homeowner in Griswold, CT, or any neighboring area. Our Connecticut-based agency specializes in various types of insurance, and our team of insurance experts will help you find the perfect policy to protect your valuable home in 2024.

Auto Insurance for Everything Your Blind Spots Don’t See

Drivers will always have the concern of other drivers. From impaired to distracted drivers and simply bad drivers, we have to share the road with many other drivers. And when we encounter an accident, even when no one else is involved, drivers in and around Griswold, GT rely on adequate and reliable insurance from companies like the Trahan Insurance Agency LLC.

Auto Insurance because the Road is a Dangerous Place

Turn on your local news, and every day, it seems there are reports of accidents on the roadways. From fender benders to road closure-level accidents, it is no secret that the road is a dangerous place. That doesn’t mean that everyone should stop driving (although for some, that may not be a bad idea), but it does mean we shouldn’t hit the road without the extra protection insurance provides.

Auto Insurance for Everything Your Blind Spots Don’t See

The truth is, that even the best and most cautious drivers have accidents. It is also true that nobody wants to need insurance, but everyone is happy to have it when they do. When drivers from Griswold, CT need professional and experienced auto insurance, they turn to the team at the Trahan Insurance Agency LLC.

If you are in the market for insurance, have questions about coverage, or are shopping rates, our helpful and professional team at the Trahan Insurance Agency is here to answer all your questions and all your insurance needs. Contact us to learn more about how we can help and get the auto insurance solutions you need today. 

Driving is how we all get to and fro today, but that also makes the road a sometimes treacherous place. And that makes auto insurance your first line of defense when accidents happen, and the protection and peace of mind drivers need before they get behind the wheel.

Getting your Connecticut home ready for winter

Winters can be quite cold and snowy in Connecticut. Preparing your home to face these weather conditions is important to your home’s safety. At Trahan Insurance Agency LLC in Griswold, CT, we have a team with almost 70 years of insurance experience, and as an independent insurance agency, we are able to better serve our customers with more choices and the best rates. 

Getting your Connecticut home ready for winter

Clear the leaves

Connecticut is a state with a lot of trees. We have wonderful foliage in the fall, but that leads to yards, driveways, sidewalks, and gutters filled with leaves. They are not nearly as attractive off the trees as on. Gutters need to be kept clear to avoid causing damage to the roof. On the sidewalk and driveway, leaves are a slip-and-fall hazard, especially if they get wet, which in Connecticut is inevitable. 

Tune up the snow blower

Making sure that your snowblower is operational is important. Depending on what type of snow blower you have, the tune-up will involve different things. Make sure that it starts up at the very least. 

Get the furnace cleaned

Having a clean furnace is proactive and can help to make sure that when it gets cold out, you will have the heat you need. While you are at it, get the chimney cleaned as well. 

Get some sand and salt

Having sand and salt on hand to treat the walkways and driveways helps to protect you, your family, and anyone who visits. 

Check batteries

Check the battery backup in your smoke detectors and your carbon monoxide detectors. Every year people die from carbon monoxide poisoning, which is a preventable hazard. 

Consult With Us

When you are ready to change insurance agents or your carrier or are just looking for personalized service, we are here for you at Trahan Insurance Agency LLC in Griswold, CT.

Four common misconceptions about auto insurance

At Trahan Insurance Agency LLC, we offer auto insurance coverage to motorists in Griswold, CT. When you’re in the market for insurance coverage, it’s important for you to be well-informed. Unfortunately, there are many misconceptions consumers frequently have about auto insurance.

Here are four common misconceptions about auto insurance to be aware of:

An auto insurance policy covers the policyholder for breakdowns that occur because of mechanical problems.

Auto insurance coverage is essential because it protects motorists against liability expenses and can include collision coverage that pays for repairs after an accident.

However, it’s important for motorists to realize that auto insurance won’t cover mechanical repair needs. 

The color of your vehicle impacts how much your insurance costs.

There is a long-held belief that red cars are more expensive to insure than cars of other colors. The truth is that the color of your vehicle has no impact on your insurance coverage and costs whatsoever. 

Your auto insurance policy will cover you for customizations.

Your auto insurance covers you for the value of your vehicle at the time that you bought your auto insurance policy.

If your vehicle’s value has increased because you’ve invested in customization, your policy won’t cover you for any resulting increase in vehicle value until you update your policy. That’s why it’s always important to let your insurance provider know when you’ve had your vehicle altered or customized in some way. 

It’s not worthwhile to buy collision and comprehensive coverage for an older vehicle.

Some people assume that they should drop collision and comprehensive coverage once their vehicle starts to get old. Yet collision and comprehensive coverage can be valuable even on older vehicles since they can cover repair costs and thereby allow you to keep using your older vehicle longer. 

Reach Out To Us

Get in touch with us today at Trahan Insurance Agency LLC for information on your insurance options in Griswold, CT. We’ll provide you with a quote on an insurance policy that will give you peace of mind when you’re behind the wheel. 

When would it be a good idea to shop for home insurance?

Being appropriately covered with insurance is a necessity. A very important form of insurance all people in the Griswold, CT area need to consider getting is home insurance. With the right coverage, you can protect your dwelling and mitigate your personal liability risks. There are various scenarios when it can make sense to start shopping for a new home insurance plan. 

When Buying a New Home

A great time to start looking for a new home insurance policy is when you are going to buy a new home. Your home is a very valuable asset and investment and ensuring you have the right insurance is extremely important. When you take out a  mortgage, your lender will also need to know that you have coverage. Because of this, you should start looking for home insurance as you go through the home-buying and closing process.

When Looking for Other Options

Even if you already have a home insurance plan today, it does not mean you shouldn’t look for another policy. There are various options when it comes to selecting a new home insurance plan. Accordingly, it would be a good idea to shop around on occasion and see what options you have. Not only could you save some money, but you may also receive additional coverage through a new plan. 

We Are Here To Help

There is never a bad time to assess your home insurance needs. Whether you are looking to buy a new home or would like to evaluate your options in the Griswold, CT area, you should call our team with Trahan Insurance Agency LLC. When you work with our team at Trahan Insurance Agency LLC, you can get all of the help necessary to build a proper plan that will meet your needs. 

Auto insurance add-ons to consider

Basic auto insurance is what you get to meet the minimum state requirements. There are lots of other options for you to consider adding on to make your auto insurance meet your particular needs. At Trahan Insurance Agency LLC in Griswold, CT, we will work with you to make sure you have all the coverage you need. 

The required coverage in Connecticut is liability of 25/50/25 and uninsured/underinsured motorist of 25/50. The liability is $25,000 for the first person injured with a total of $50,000 and $25,000 for property damage. The uninsured/underinsured is also for one person and all people coverage. 

Auto Insurance Add-ons

Collision

Collision coverage repairs or replaces your vehicle if you are involved in an accident and are the responsible driver. It will also cover you if you are the victim of a hit-and-run or are in a one-person accident. 

Comprehensive

Comprehensive coverage is known as non-collision, however, it does cover collision with a tree branch if it is blown onto your vehicle. It also covers damage due to hail and flooding. If your vehicle is stolen or vandalized, this is the coverage that will help to repair or replace it. It also covers the glass on your vehicle but with a deductible. 

Gap coverage

Gap coverage is the insurance that makes up the gap between what the value of your car is and what you owe on your car loan. Cars depreciate as soon as they leave the dealer lot, so it can save you from ending up in the red. 

Total glass

With total glass coverage, your car glass can be replaced without any deductible. 

Consult With Us

At Trahan Insurance Agency LLC we provide service for customers in Griswold, CT and the surrounding area. As independent agents, we can offer more choices and the best possible prices.

Is it Time to Update Your Home Insurance Policy?

Homeowners in Griswold, CT and the surrounding area rely on the team at Trahan Insurance Agency LLC for all of their homeowners’ policies. If you’re wondering if it’s time for you to upgrade your policy, we’re here to help. Give us a call or come by our office today.

Signs It’s Time to Upgrade Your Home Policy

If you’ve owned your home for quite some time, and you’re like most people, you probably just renew your home policy year after year without looking at it too closely. This behavior, while understandable, can lead you to a situation where your policy no longer meets your insurance needs.

One of the main changes that could require an upgrade to your policy is an increase in your home’s value. As your home appreciates in value, your insurance needs also increase. You’ll want to make sure that you have adequate protection for your home at today’s value, not the value at the time of purchase.

Another sign that you need to upgrade your policy is that you’ve completed one or more major improvement projects. If you’ve added a garage to your property or have fully renovated your kitchen, it’s time to give your current home policy a closer look. This proactive approach will help prevent you from a situation where you experience a covered event, but the level of coverage you have is inadequate.

We’re to help with all of your insurance needs!

Residents of Griswold, CT can turn to the friendly folks at Trahan Insurance Agency LLC for all of their insurance needs. Whether you have questions about your home policy or another type of insurance, we’re here for you. Give us a call or stop by today. We look forward to seeing you soon!