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Griswold, CT 06351

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Plainfield, CT 06374

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Trahan Insurance Agency, LLC Blog

Auto Insurance Terms Glossary

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You must buy auto insurance if you live in Connecticut and drive a car. Connecticut requires drivers to carry minimum levels of bodily injury coverage. If you live in the Griswold, CT area and have questions about your auto insurance requirements, our Trahan Insurance Agency LLC team can help you find options that best suit your needs. Our agency opened its doors in 2023, and our team has many years of combined experience to offer our clients.

Auto Insurance Terms Glossary

  • Collision Coverage – covers damage to your car due to a crash or impact with an object.
  • Comprehensive Coverage – covers damage to your car that isn’t caused by an accident. Examples include theft or a storm.
  • Full Glass Coverage – covers the cost of replacing your auto glass
  • Bodily Liability Coverage – covers the cost of a claim made by the other driver when you are at fault for an accident
  • Property Damage Liability covers damage you made to property (their car, home, fences, etc.).
  • Rental Reimbursement Coverage – covers the cost of a rental car,if your vehicle cannot be used, after an accident
  • .Towing Coverage – funds to cover the cost of transporting your car to a garage for repairs
  • Uninsured Motorist Coverage – covers physical injury to you caused by a crash where the other driver doesn’t have auto insurance.

Call Us Today for Your Appointment

You don’t have to memorize all of your insurance vocabulary. Our Trahan Insurance Agency LLC team is always available to answer any insurance questions you might have. Clients in the Griswold, CT, area can feel confident when trusting us to provide their insurance needs. Call us today for an appointment, and let’s talk about insurance.

The Role of Home Insurance in Supporting Community Resilience

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In today’s world, building strong, resilient communities is more important than ever. At Trahan Insurance Agency LLC in Griswold, CT, we believe that home insurance plays a vital role in this effort. Let’s delve into how it supports community resilience.

Safeguarding Against the Unexpected

Home insurance is not just about protecting individual properties; it’s about safeguarding entire communities. When disasters strike, having proper coverage ensures that homeowners can recover more quickly, minimizing disruptions. This collective resilience helps maintain the fabric of neighborhoods and supports local economies.

Encouraging Preventive Measures

With the right home insurance policy, homeowners are encouraged to implement preventive measures. Many policies offer incentives for installing safety features like smoke detectors, security systems, and storm-proof windows. These enhancements not only protect individual homes but also reduce risks for surrounding areas, creating a more secure environment for everyone.

Supporting Recovery and Rebuilding

In the aftermath of a disaster, the speed at which a community can rebuild is crucial. Home insurance facilitates this process by providing the necessary funds for repairs and reconstruction. This support helps residents return to their daily lives more swiftly, fostering a sense of stability and continuity within the community.

Promoting Peace of Mind

Knowing that your home is protected brings peace of mind, allowing residents to focus on community engagement and development. When individuals feel secure, they are more likely to invest in local initiatives, volunteer, and support neighbors, strengthening community bonds.

Schedule an Appointment With Us For Home Insurance

At Trahan Insurance Agency LLC in Griswold, CT, we are committed to helping you find the right home insurance to support not just your needs but the resilience of our entire community. Contact us today to learn more about how we can assist you.

Why Both You and Your Teen Driver Can Benefit From a Defensive Driving Course

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Driving on the roads can be intimidating, especially for novice drivers. At Trahan Insurance Agency LLC, serving the greater Griswold, CT area, we firmly believe that signing up for a defensive driving course can significantly transform you and your adolescent driver. Let’s investigate the potential benefits.

Instilling Confidence and Enhancing Skills

Completing a defensive driving course can boost teenagers’ confidence significantly. These classes impart crucial skills such as hazard identification and accident evasion strategies. Learning to handle unexpected road scenarios infuses them with the confidence to be safer and more proficient drivers.

Reducing Insurance Expenses

A noteworthy incentive for completing a defensive driving course is the prospect of insurance discounts. Numerous insurance providers offer reduced premiums for individuals who have taken these classes. At Trahan Insurance Agency LLC, we can help you maximize these savings for your family budget.

Revitalizing Your Driving Skills

The advantages of these classes extend beyond teens. Parents can also refresh their driving skills and learn contemporary techniques. Keeping abreast with the latest in road safety enables you to set an exemplary standard for your young driver. Plus, it presents a fantastic chance to bond and share experiences with your teenager.

Promoting Road Safety

Ultimately, the purpose is to make our roads safer for everyone. Defensive driving courses promote co-responsibility and sensible driving habits, which can lead to fewer accidents and a safer community.

Are you ready to take the next step? Contact Trahan Insurance Agency LLC, which steadfastly provides auto insurance policies to residents in and around Griswold, CT, to learn more about how a defensive driving course can benefit your family and potentially lower your insurance premiums. We’re here to accompany you on your journey towards safer driving.

Does Homeowners Insurance Cover Injuries?

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Homeowners often bear the responsibility for any injuries that occur on their property. An innocent circumstance, such as a child jumping on your trampoline without a liability waiver, can potentially spur a hefty lawsuit. Similarly, a mailman slipping on an icy sidewalk could also land you in legal trouble. Therefore, it is crucial to ensure you’re protected. But the question arises: will your homeowner’s insurance cover these damages? Let’s delve into these details.

Bodily Injury Liability

These types of claims are often referred to as bodily injury liability claims. It is common for a homeowners insurance policy to have a limit set for bodily injury liability. However, this would be basic liability insurance. This means the insurance may cover medical expenses or other costs if a third party is injured, but it won’t cover you or your family. A representative at Trahan Insurance Agency LLC can assist you in understanding what your policy covers.

Liability Limits Vary

It’s crucial to comprehend that bodily injury liability in Griswold, CT, often has restrictions. The homeowners may be liable for expenses that exceed the insurance limitations. However, these specifications vary depending on your policy. Certain insurance companies offer additional coverage, allowing you to increase your protection. Homeowners can purchase personal liability insurance to cover extra costs as well.

Personalized Coverage

Quite a few insurance companies offer personalized coverage choices. Often, you can decide the extent of coverage you need, including opting for more coverage for bodily injuries. This strategy is commonly adopted by affluent people in Griswold, CT, to safeguard their wealth, as they are more likely to become victims of frivolous lawsuits. However, it is beneficial for everyone.

Contact Trahan Insurance Agency for Home Insurance in Griswold!

Collaborating with a professional insurance agent is crucial to ensuring a proper understanding of what your homeowner’s insurance covers. Most insurance policies provide coverage for bodily injury, which can vary depending on the company. Our experienced insurance agents at Trahan Insurance Agency LLC strive to ensure you comprehend your coverage in its entirety. Reach out to us today to explore our policies more.

A Guide to Understanding Usage-Based Insurance (UBI)

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Navigating the world of car insurance can often feel like a complex task, but we’re here to guide you! We’re thrilled to introduce you to usage-based insurance (UBI) at Trahan Insurance Agency LLC in Griswold, CT. This modern insurance approach tailors your premiums to your driving habits. Here’s a quick breakdown of what UBI is and how it might benefit you.

What is Usage-Based Insurance?

Usage-based insurance, or UBI, is a type of car insurance in which your premium is influenced by your individual driving behaviors. Your driving patterns are tracked using telematics devices or smartphone apps that monitor factors like speed, braking, and mileage. This data is used to adjust your insurance costs, rewarding safe and low-mileage drivers with lowered premiums.

How Does UBI Work?

Once you sign up for UBI, a small device is installed in your car, or you download a mobile app. These tools monitor your driving patterns, and the data is then sent to your insurance provider. Frequently tracked factors include the distance you drive, the time of day you usually drive, and your overall driving style.

The Benefits of UBI

One significant advantage of UBI is the potential for considerable savings. If you’re a cautious driver or don’t drive long distances frequently, UBI could result in lower premiums. Moreover, it encourages safer driving habits since you’re made aware of how your behavior influences your insurance costs. This consciousness can lead to fewer accidents and make the roads safer for everyone.

To learn more about how usage-based insurance can benefit you, reach out to Trahan Insurance Agency LLC in Griswold, CT, today. Our team will help you find the perfect insurance plan to match your driving habits.

Location And Its Impact on Homeowner’s Insurance

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You’ve likely heard how important location is in real estate. Many real estate professionals believe location is a primary factor in determining a home’s value. In Griswold, CT, and elsewhere, location also plays a key role in determining home insurance rates.

Here’s what Trahan Insurance Agency LLC would like you to know about location and home insurance.

A location near water:

If your home is near water or flood-prone, you should seriously consider flood insurance. Flood insurance is not part of a home’s basic insurance policy and needs to be secured separately.

Location near fire services:

The closer and more conveniently you are located to a fire department, the more friendly your homeowner’s insurance rates may be. Safety features like alarms can also be a plus.

Wooded lots:

Houses built in heavily wooded areas may be more expensive to insure due to potential damage from falling limbs, trees, and fires.

Statistically high crime areas:

Homes located in high-crime areas can be more expensive to insure due to an increased threat of theft and vandalism. Installing security systems can enhance safety and security and might even earn you discounts.

Climate:

No matter where a home is located, its general climate will be taken into consideration. Is it an area prone to tornadoes or hurricanes? What about wildfires or flooding?

Other factors:

Aside from location, other traits that impact homeowners insurance rates include size, age, building materials, and the condition of roofing, plumbing, and electrical systems. Where you get your home insurance is also essential, so comparing is critical.

Get a quote today

If you own a property in the Griswold, CT, area, we encourage you to request a free home insurance quote today from Trahan Insurance Agency LLC. If it has been years since your last quote, reviewing and comparing prices is especially important.

We look forward to welcoming you to our insurance family.

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

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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

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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

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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

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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.