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819 Voluntown Rd
Griswold, CT 06351

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Is it Time to Update Your Home Insurance Policy?

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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!

What auto insurance does Connecticut legally require?

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In every US state, drivers must carry auto insurance. Instead of setting the requirement for auto insurance at the national level, in the US, each state sets its own auto insurance requirements. The state of Connecticut requires drivers to carry auto insurance that provides liability coverage for physical damage to the vehicle and physical or mental injury to the person traveling in the vehicle.

Connecticut Motor Vehicle Insurance Requirements

The liability coverage that the state requires – 25/50/25 – only provides coverage that protects the other drivers on the road. The bodily injury coverage provides $25,000 of coverage per person per accident, while the $50,000 figure refers to the total amount of bodily injury coverage for all individuals per accident. The third figure represents the $25,000 of personal property coverage required by the state.

The state lets you increase your auto coverage beyond those required minimums, but you cannot legally drive on its roads without meeting those minimums. It’s a good idea to carry more than the required liability insurance since many auto accidents can quickly cause you to exceed your coverage. When that happens, you pay out of pocket for the remaining bills or court settlement.

Enhancing Your Auto Insurance Coverage

You don’t have to accept only a minimum amount of coverage for your vehicle parked in Griswold, CT. Trahan Insurance Agency LLC offers many ways to improve the coverage you purchase, such as comprehensive and collision, which are not legally mandated. Both collision and comprehensive coverage pay for repairs to your automobile, whether they occur in a single-vehicle accident or a multiple-vehicle accident that you or another individual caused.

Contact Us Today

Contact Trahan Insurance Agency LLC today for automobile insurance to cover your vehicle parked in Griswold, CT. Let us help you obtain the vehicle coverage you need to protect your financial security.

What should property owners think about when getting home insurance in Connecticut?

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Owning a home has continued to be a good investment for people throughout the state of Connecticut. Anyone who is living in the Griswold, CT area will want to know that they have obtained proper insurance for their home. As you are looking to purchase a home, there are various factors to think about as you are selecting a new home insurance policy. 

Requirements

One factor to think about when you are looking for a home insurance policy in this area is if you have any requirements. It is very common for property owners to have basic home insurance requirements. If you are living in a home association or have taken out a mortgage, you undoubtedly will have home insurance requirements. It is very important to ensure you are meeting these requirements so you can stay in good standing with such agreements, which can avoid penalization. 

Coverage Levels

You should also consider your coverage level. It is important to consider the costs that it will take to rebuild your dwelling, cover your personal assets, and offset your personal liability risks. When you are shopping for a new home insurance plan, you need to take these factors into consideration and ensure you have the appropriate level of coverage. This can ensure you have support and provide you with peace of mind. 

Reach Out To Us

Choosing the right home insurance plan is always a good idea for those that are in the Griswold, CT area. As you are looking to build a new insurance policy in this area, it would be ideal to call our team with Trahan Insurance Agency LLC. Our insurance team with Trahan Insurance Agency LLC can ensure you are able to understand your options and select a policy that is ideal for your situation. 

What coverage comes with auto insurance in Connecticut?

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For people living in the Griswold, CT area, having a car insurance plan in place at all times is very important. This type of insurance tends to be required for anyone that owns a car. You will need it to drive legally, and most auto lenders require you to maintain full coverage.

There are various types of insurance coverage that can come with an auto plan in this part of Connecticut:

Liability Insurance

A form of coverage that all people in this state need to have for their car is liability insurance. When you have this type of coverage, it will provide support in the event you are liable for an accident. This will ensure you have the financial resources needed to pay for damages.  It can also keep you in good standing with the state law, which requires this coverage.

Comprehensive Insurance

For many car owners, it is also a good idea to get comprehensive insurance. When you have a full comprehensive plan, it will provide you with support for your vehicle in the event it is damaged or stolen. This type of coverage is required for those with auto loans and is a good idea to get if you have a car that would be expensive to replace. You should also be strategic when selecting a deductible limit. 

We Can Help

It is necessary for Griswold, CT residents to obtain appropriate auto insurance coverage. If you’re searching for the right plan, our team at Trahan Insurance Agency LLC is here to help. Our experienced professionals at Trahan Insurance Agency LLC understand the significance of having adequate auto insurance and will guide you through the process of developing a policy that meets your unique needs. Contact us to learn more about how we can help you build your next plan. 

How To Protect Your Home From Pests This Summer

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There’s a lot that goes into protecting your home. Some threats to your home can’t be detected by a security system. Each year homeowners face expensive damage caused by pests. These pest threats are most significant during the spring and summer. You need to be aware of how to protect your home from these threats. Here at Trahan Insurance Agency LLC, serving the greater Griswold, CT region, and the surrounding areas, we want to help you protect your home.

These are some ways to protect your home from pests this summer:

Get An Inspection 

If you haven’t had your home inspected by a professional pest control specialist in a while, you should consider doing this. These professionals can uncover pest infestations early on. Early intervention can help you avoid some of the expensive damage that can be caused by pests. 

Keep Lawns Well Maintained 

Many pest problems are really a result of poor maintenance in some other aspects of the home, such as the lawn. Allowing grass or underbrush to get overgrown will encourage the colonization of certain types of pests such as ants and termites. 

Keep Your Home Clean 

Other pests are often attracted to accumulated trash or clutter. For instance, cock roaches are often attracted to cardboard boxes and paper. When items such as these are allowed to accumulate, it can result in pest issues. 

Keep Standing Water At a Minimum 

Standing water will attract many different types of harmful insects, including mosquitos. Mosquitos will not necessarily cause damage to your home, but they can be harmful to people and pets on your property. 

Reach Out To Us

If you would like to learn more about protecting your home and insurance services, please contact us at Trahan Insurance Agency LLC, serving Griswold, CT and the surrounding areas. 

The Essential Car Maintenance Checklist

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Are you looking for car maintenance tips in Griswold, CT? Good idea! Maintaining your car instead of buying a new one can help you to save a lot of money over the long run.

Here are a few tips from Trahan Insurance Agency LLC on how to keep your car in tip-top shape:

The Essential Car Maintenance Checklist

1. Check Liquids

Oil, coolant, and brake fluid levels need to be adequate, or your car may begin to malfunction.

Low oil can lead to high gas prices, low coolant can cause your car to overheat, and low brake fluid could cause a brake failure. 

2. Air Filter

Your air filter needs regular replacements so that you have a steady supply of fresh air for passengers. If you’ve been in areas prone to pollution, you may want to change your air filter more frequently.

3. Battery

Discoloration, leaks, loose wires, and signs of corrosion can indicate that your battery needs to be replaced, or that you are overcharging it.

4. Tires 

Regularly check the air pressure and the tread on your tires to determine if you need a new set of tires.

5. Brake Lights

Have you noticed drivers flashing their lights at you as you pass? You may have a burned-out brake light. Be sure to double-check that your lights are operating correctly so that other drivers know when you intend to stop or change lanes. 

Keep Your Auto Insurance Updated – Reach Out To Us!

If you have an upcoming road trip in the greater Griswold, CT area, use this checklist before you head out. Also, keep your car insurance policy up to date so that you have coverage for your next big adventure! Contact us at Trahan Insurance Agency LLC, and we can help you to get started.