Is my in-home business automatically covered by homeowners insurance? Not Sufficiently! An estimated 43 million Americans operate full or part timer businesses from their home. Most homeowner’s policies provide only $2,500 property coverage for business equipment and $250 away from your home. If a business credit card is stolen, a power surge destroys data on your computer or a lawsuit over a business related matter you are not covered. We write inexpensive in-home business policies to pick up many of your needs.
NO! In fact many people do not realize that if water leaks into their basement through the foundation and no neighbors have the same flooding occur, no policy will cover that.
Yes. The Volunteer Protection Act provides liability protection for harm a volunteer may cause as long as the volunteer was acting within the scope of their volunteer responsibilities, they were properly licensed if required, the harm was not willful (or illegally caused) and not caused by operating an auto. Be careful if you are a director of a non-profit organization since the homeowners insurance covers you if your negligence causes someone bodily injury or property damage, not for financial injury.
Does my homeowners insurance cover my boat, my snowmobile, my quad, and my dirt bike? The “short” answer is NO. There is a policy designed to insure each of those types of policies specifically because the homeowners either does not cover them or barely covers them.
We need to consult the association bylaws to determine what is your responsibility to cover versus what is the association property. We can assist you in that endeavor.
Whatever coverage you have on your vehicles will follow you while driving a rental vehicle in the US or Canada. Unfortunately, the rental companies can also hold you responsible for their loss of rental income while the vehicle is being fixed. Your auto insurance doesn’t cover this but some credit cards may.
One. In fact, if you go to an insurance company’s preferred repair shop, you don’t have to get any and the work is guaranteed.
Probably not! According to most auto policies, you are covered while using your vehicle or a temporary substitute such as a rental car on vacation. If your adult child is a resident of your household, their car may be available for your use and as such, not a temporary substitute for your car.
No, if you have homeowners insurance, that covers your personal property that is stolen from a vehicle but unless the personal property was permanently installed in the vehicle, it is not covered.
How do I get in touch with the State of Connecticut Department of Motor Vehicles?Monday, Tuesday, Wednesday and Friday - 8 a.m. to 4:45 p.m.
Thursday - 8 a.m. to 7 p.m.
Saturday - 8 a.m. to 12:30 p.m.
The Telephone Center number is:
860-263-5700 (Within Hartford area or outside of Connecticut)
800-842-8222 (Elsewhere in Connecticut).
or visit the official website
Your tax dollars pay for a system already in place to hear and respond to grievances. Visit the official website
