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Trahan Insurance Agency, LLC Blog

What is High-Risk Auto Insurance? Do You Need It?

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Did another insurance provider mention "high-risk insurance" to you, but you aren’t sure what it means? Well, our team at Trahan Insurance Agency LLC can help you find auto insurance in Griswold, CT that suits your needs and explain this common policy type and whether you need it.

What is High-Risk Insurance?

High-risk insurance covers potentially problematic drivers and typically includes varying prices and rates, depending on the driver’s situation. Unfortunately, your insurance company will decide whether or not you need a high-risk policy after assessing you and your driving situation.

Thankfully, most people don’t require this protection level. That’s a good thing because it can be tricky to get off this policy type without a lot of work. However, it’s critical to know the two types of factors that can influence your protection: driving and non-driving factors.

How Do These Factors Affect My Insurance?

Driving-related elements that may force you to get high-risk insurance include:

  • At-fault claims, particularly accidents that hurt other people
  • Speeding tickets, no matter how minor
  • Reckless driving, especially if someone is hurt
  • Racing your vehicle (doesn’t matter where or when)
  • DUI, DWI, or other types of impaired driving tickets

However, you might also experience non-driving factors, like:

  • Age (very young and older drivers may need this protection)
  • Location (people in densely populated areas may need it)
  • Bad credit (i.e., you might be at risk of not paying your policy)
  • Vehicle elements (how you use your vehicle and its type)
  • Lack of insurance (considered a dangerous or reckless act)
  • License points (related to non-driving issues)

Keep Yourself Protected

If you think you need high-risk auto insurance or aren’t sure, call our team at Trahan Insurance Agency LLC to learn more! We can help Griswold, CT residents get the policies that make the most sense. Reach out to us today to get started!

Insurance Tips for First-Time Homebuyers

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Being a first-time homebuyer in the Griswold, CT area can be an exciting yet stressful time. One critical step in purchasing a home is ensuring you have the right insurance policy. Having the right coverage will ensure that all of your belongings are protected and that any structural damage or loss will be repaired. So, where do you even begin when obtaining homeowner’s insurance? These tips will help protect you and your home from any possible damage that may occur.

Research Insurance Agencies in Griswold, CT

First, it’s critical to do your homework to determine what agencies are available in your area and their insurance rates. While there are several agencies to choose from, Trahan Insurance Agency LLC would be honored to meet with you to discuss what policy is right for your home, family, and budget.

Know What is Covered

The next step is to educate yourself on everything that will be included in a homeowner’s insurance policy. Some coverage that is usually included are:

  • Structure
  • Living expenses
  • Liability
  • Personal belongings

If you know you will need coverage, such as flood insurance, contact your local agent to find out if it is included in your policy or can be added.

Know the Deductible

Depending on the size of your mortgage payment and other monthly expenses, there may not be a lot of room left in the budget for a hefty deductible. Knowing how much will need to be paid out-of-pocket upfront will prevent any surprises in the future if an insurance claim is needed.

Have more questions? Contact Trahan Insurance Agency LLC

We know how stressful it can be to ensure your home is adequately covered. Our agents at Trahan Insurance Agency LLC are here to help. ForContact us today for a quote

Auto Insurance – Review Coverage Essentials for Multiple Vehicles

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Do you own more than one vehicle? Your auto insurance coverage terms outline how much protection you have. Review these coverage essentials and update your insurance policy as you see fit.

Your Current Policy

Review your automotive insurance policy. The overview will give you an idea of the coverage terms you are supplied with. The policy will outline your responsibilities, including what to do if you need to file an insurance claim.

One main reason for reviewing the coverage terms is that you will be able to see if there are any gaps in your coverage. Having adequate insurance coverage is important. It protects you legally, plus reduces the amount of out-of-pocket costs that you would face if you were involved in an automobile accident.

Updated Automotive Insurance Information

An insurance policy that covers multiple vehicles will need to be updated occasionally. It is wise to review your automotive policy whenever you buy or sell a car. Your policy should address each vehicle listed separately.

Your vehicles may have varying levels of coverage. The coverage types you select should match each vehicle’s value and driving style.

Automotive Accessories

Determine which automotive accessories need to be insured. Things like tow-bars, trailers, stereo systems, and security devices may be valuable. If you rely upon using the accessories, you can list them on your automotive insurance policy. After reviewing your own accessories, decide which ones to add to your insurance plan.

Contact an Insurance Agent Who Serves Griswold, CT

Contact one of our agents at Trahan Insurance Agency LLC. An agent can advise you and answer questions about your personal automotive insurance policy.

Home Insurance Coverage for Valuables and Rare Antiques

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If you own valuables, rare antiques, and other collectibles, you might be concerned about preserving these possessions. In such cases, you may want to consider additional home insurance coverage for these items.

Understanding Coverage Basics

Your home insurance policy typically covers the residential structure you live in and some of the possessions stored within your home. However, if the insurance limits prevent you from covering all your high-value items, you might want to seek add-on home insurance coverage specifically designed to protect valuables and cherished items. This type of insurance will protect your items during unforeseen incidents that result in damage.

Reviewing Your Possessions

It’s important to familiarize yourself with the coverage your home insurance policy provides. When reviewing your home insurance documents, take note of the personal possessions covered by the policy. Your insurance documents will state the coverage cap, which is the maximum amount of coverage you would have if an unforeseen event damaged your possessions.

Deciding on Insurance Coverage

Inventory the valuables, collectibles, and other items you would like to insure. If you’re uncertain about the value of some items, it might be beneficial to get them appraised. Once the appraisal process is complete, decide how much insurance coverage you need. This coverage will protect you in a wide range of scenarios.

For instance, if your items are destroyed during a natural disaster, the coverage you have obtained may cover the cost of cleaning or repairing personal possessions affected by the disaster.

Securing Insurance in Griswold

Contact one of our agents from Trahan Insurance Agency LLC. They will provide advice about the home insurance you need.

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.