In West Hartford, CT: What Are the Different Types of Life Insurance?

In West Hartford, CT, the agents of StateChoice are available to help you make an informed decision when it comes to choosing the type of life insurance that will best suit your needs. The type of life insurance you choose will depend greatly on your age, your budget, and what you expect to gain from your policy. While there are numerous types of "life" insurance, the two main types are Term and Whole life insurance.

Term Life

Term life is a basic policy that has one specific goal. It’s designed to provide a death benefit that can be used to cover your final expenses. The premiums remain the same until the policy reaches is paid in full. The duration of a term life policy can range anywhere from 10 to 30 years, with most having the option to be extended.

Whole Life

With a Whole life policy, the premium remains the same throughout the duration of the policy. The policy won’t change or be raised if you become ill or your circumstances change. The value of the policy continues to grow on a tax-deferred basis and is not subject to taxation until you withdraw the funds. A whole life policy can be an excellent investment opportunity if it’s purchased while you are young enough to let it accumulate for several years.

The agents of StateChoice serve residents in West Hartford, CT and many of the surrounding communities. If you are interested in purchasing a life insurance policy or have questions about how they work, call one of the agents today. They can provide you with the answers you’re looking for and find a policy that is able to meet your specific needs.

Changes That Affect Home Insurance Needs

Summertime is a great time to contact your insurance agent at StateChoice in West Hartford, CT, if you need new home insurance for a home you are buying or for a complimentary annual review to make sure you have adequate insurance coverage for your home.

Besides the obvious need for new homeowner’s insurance, if you are buying a new home, there are many things that can cause your needs for homeowner’s insurance to change.

Here are some of the common things that cause the needs for home insurance to change:

  • Adding a room addition.
  • Re-finishing an attic or a basement.
  • Renting out part of the home.
  • Having children move out and/or elderly parents move in.
  • Enjoying an increase in property values.
  • Changes in the cost of replacement materials.
  • Buying a boat and keeping it part-time in the garage.
  • Creating a home office.
  • Starting a hobby with expensive collectibles.
  • Taking children into the home for paid babysitting/childcare services…
  • and more.

Life changes, especially those that are improvements, are really terrific. Sometimes, in the happiness and excitement of improvements, it is possible to forget about the needs that change for homeowner’s insurance. That is why your agent at StateChoice in West Hartford, CT will help. You need only give the agent the updated information and you will get a comprehensive recommendation of what adjustments may be needed for home owner’s insurance.

If you are a new client, we welcome you to become part of our preferred clients that we care for just as if they are members of our own extended family. Quality insurance coverage is really important when you need it. It is always best to have an annual insurance review with your agent at StateChoice in West Hartford, CT if any of these things happen and, in general, it is always a good idea to have an annual insurance review with your agent just to be sure you have adequate home insurance.

In West Hartford, CT, How Does A Business Owner Know How Much Commercial Insurance They Need?

The agents at StateChoice Insurance can help business owners in West Hartford, CT determine how much commercial insurance they need to protect themselves from financial loss. Each company is different in the types and amounts of insurance they need. A retail business may need more Worker’s Compensation insurance than a small auto repair service that requires higher liability coverage. The key is knowing the value of the business, both the assets and property as well as the potential for future income. The size of the business and its potential for continued growth should also be considered.

An insurance agent can help a business owner determine the amount of insurance they need to sufficiently protect their business from financial loss. The agent will begin by reviewing the amount of product on hand, any retail items for sale, and the value of any physical property such as the building, equipment, and vehicles.  The financial holdings of the business will also be considered, including estimations for potential sales over the next several months. If the company is steadily growing, that will also be taken into consideration. Depending on the type of business liability and Worker’s Compensation will also be included in the equation.

In West Hartford, CT, commercial property and business owners can call StateChoice insurance and talk to a licensed agent to determine how much insurance they will need to recover from financial loss. Each type of business is different and current policies will need to be evaluated to determine if the company has the right type of policy and the right amount of coverage to protect their interest.

Surpising Causes of Traffic Jams and How Each Driver can Prevent Them

Traffic jams and congested lanes, they are a harsh reality for many drivers. These daily inconveniences are almost seen as the norm, but they don’t need to be. Many people think that slow traffic is caused by accidents, but in reality, there does not have to be an accident to bring traffic to a crawl and even the best city planning cannot avoid congestion at times. There have been several scientific studies on the science of the traffic jam, and the results are very informative. At StateChoice insurance we want our clients to know all they can about the causes of traffic jams to ensure a safe and convenient commute.

Scientific Causes of a Traffic Jam

  • Being too polite or cautious. Yep, being rude may prevent a traffic jam. This is because being too hesitant to move forward when traffic around you slows contributes to the problem. Always put safety first but recognize that sometimes it is okay to be rude and move on even if others are rubbernecking or moving too cautiously.
  • Not using the "zipper merge." Think of this, if you were walking in a group and the hallway narrowed each person would merge, often seamlessly, and continue. When the same happens on the road many times, people inside of vehicles do not merge as easily. If people could accomplish what they can do on foot in vehicles, many traffic jams could be prevented altogether. 

StateChoice serves West Hartford, CT, and the surrounding areas, if you want an insurance quote today, you won’t get jammed up with us.

West Hartford, CT Insurance Tips

There are a variety of reasons you will need insurance in a place like West Hartford, CT, and much of it has to do with the Northern environments of Connecticut. While the state is quite beautiful in the summer months, it is one of the coldest areas in America in the winter, which can lead to a whole host of lifestyle issues that necessitate having various insurance policies. Below are some reasons why you might want to set up different types of insurance policies with a local Connecticut Insurance broker like StateChoice to make sure you are fully protected in the event of the unpredictable occurring.

AUTO INSURANCE

Driving in West Hartford, CT, especially in the constantly inclement weather of the winter months, is a difficult task for even the best icy road driver. So having insurance is an absolute must because there are higher odds here than in most other places that you will end up hitting an icy patch and slide your vehicle off the road or into other vehicles or property, causing damage to both. Not only do you legally need at least liability insurance if you plan on legally driving in West Hartford, CT, but you may also want to be covered for other policies within a standard auto insurance policy so that you don’t end up in debt paying medical or property damage bills.

HOME INSURANCE

If you own a home in West Hartford, CT, having insurance on it is an absolute must. That’s to protect against some different small time disasters that could occur and cost you a lot of money or leave you homeless. These range from burst pipes to fire to winter storms causing part of your home to be irreparably damaged. With a home insurance policy from a local broker like StateChoice you will be in good hands.

Car Maintenance Tips to Keep you Driving in West Hartford, CT

You will undoubtedly need a car in West Hartford, CT as well as car insurance from a local broker like StateChoice, who serves the local West Hartford area. However, if your car doesn’t run properly on a regular basis, all of this expense of insurance and the vehicle itself will be a waste. So you want to keep your vehicle up and running by maintaining it properly. Below are some car maintenance tips to keep you driving in West Hartford, CT so that you can get around and you’re not throwing away money.

CHANGE THE OIL REGULARLY

Oil is the life blood of your vehicle, so when it gets dirty it will very quickly damage or kill your car. It should be changed every 5,000 miles at the latest and the more often the better. If you don’t change the oil, you’re asking for car trouble in the future.

CORRECT INSURANCE

Make sure you have the right types of insurance coverage. Nothing will keep you from driving like an accident that your insurance company won’t pay to fix because you weren’t covered for it. While it’s a little money up front every month, it will give you piece of mind that your insurance company will completely pay for the damage if and when it occurs.

KEEP UP WITH THE TIRES

Low tires or tires that have all their tread worn down are another leading cause of accidents or dangerous blowouts that can damage the car itself. So keep an eye on your car’s tires, as they usually last 40 to 50 thousand miles before they need to be replaced. While this one-time cost may be a little pricey, it will be worth it in the long run when it avoids an accident.

Ensuring Your Home is Emergency Ready

In some cases, there is no way to tell when an emergency is going to happen. Instead of hoping that it will not happen to you in your home in West Hartford, CT, you should prepare for one. If your home is not emergency ready and you do not have an emergency kit prepped, be sure to use this list from StateChoice to get you started.

  • Water. In case of an emergency, you need to make sure you have enough water on hand for at least three days. Determining the right amount of water to keep in your home depends on how many people live there. You should aim to have at least one gallon of water per person per day. 
  • Food. Food is something else you need to make sure you have in your house for basic survival. However, you should purchase non-perishable food as well as food that does not require cooking in case you lose power. Make sure you have at least enough for three days. 
  • First aid kit. This is something you need in your home regardless of whether or not it is an emergency. You can pick up a stocked one at your local store.
  • Candles, matches, flashlights, and batteries. In case you do lose power, you need a way to see around your home after dark and this is the best way to do so.

Besides having a great emergency kit in your home for all kinds of emergencies, you should also have a great home insurance policy. If you do not have one already, be sure to contact StateChoice serving West Hartford, CT to get a free quote and explore your options. If you do already have one, they can help you make sure that you are not overpaying and that you do not have any gaps in coverage. 

What to do If Your Home Insurance Needs Change

Home insurance is something that not only gives us peace of mind but that also helps to protect us should something happen to our homes. It is crucial that we keep coverage up to date and up to code with the individual needs of our specific homes. So what do you do if your coverage needs change? Have no fear, the process is simpler than you think. For those in the West Hartford, CT area, StateChoice agents can help you through the process.

For starters, your coverage needs might change without your ever knowing it but if you have an agent, they can keep an eye on possible changes and can help you keep your coverage updated. The first step to changing coverage if your needs change is to contact your agent. They will have answers to any questions that you might have and can start the change process.

Things like home renovation or buying large items can change coverage needs. Talking with your agent can help you find out just what coverage you need to change and how much you really need. The next step of the process is to meet with an adjuster and have them see just what your home is worth and how much your home needs to be covered for.

You can then meet again with your agent to hammer out the details of your policy and to figure out just how much coverage you really need to be protected. It is important that you check your coverage often and that you take the time to update as often as necessary to stay fully covered. For those in the West Hartford, CT area, the agents with StateChoice insurance can help you find the perfect policy for your changing needs.  

Ways to Get Home Safely After Drinking This Year

Many parties and events include drinking. However, you should not attempt to drive home after you have been drinking. Consuming even one drink can drastically slow down your reaction time, increasing the likelihood you will be involved in a car accident. And if you over indulge and attempt to drive home, you could find yourself facing a driving while under the influence criminal charge. Here are a few tips from State Insurance Solutions on various ways to get home safely after drinking in Arlington, TX this holiday season.

Find a Designated Driver Before Drinking

If you are going to an event with others, select one designated driver before anyone begins to drink. This ensures that one person will remain alcohol free and be able to safely drive you home at the end of the evening.

Use a Ride Sharing Service

Using a ride sharing service, like Uber or Lyft, allows you to get a ride home after you have been drinking. However, keep in mind that these services can deny you a ride if you are belligerent and there is a hefty cleaning fee if you throw up in their car.

Call a Cab

If you have had too much to drink and are unsure if you can drive home safely, pick up the phone and call a cab. They can help ensure you make it home safe and sound.

Find a Sober Ride Program

Lastly, if you have had too much to drink, look for a sober ride program in your area. The availability of these programs changes from day to day, based on funding and volunteer availability. However, many of these are free or low-cost ways to get home and the majority of them operate nightly during the holiday season.

At State Insurance Solutions, serving the Arlington, TX area, we want to wish you all a safe and happy holiday season. The New Year is also a great time to take a look at your insurance policies and ensure they still meet your needs. If you are looking to save some money on a policy this year or increase your coverage, give us a call. We can help you find the policy that best meets your needs today.

4 Wood Burning Fireplace Safety Tips

There is nothing better than sitting in front of a cozy fireplace on a cold winter night in West Hartford, CT. However, the benefits of enjoying a warm fire come with a variety of responsibilities. One of the most common causes of house fires is the unsafe use of a fireplace, so it is important to ensure the fireplace is safe for use. StateChoice offers the following safety tips to help keep your family safe this winter while you enjoy the warmth of a fire.

Use a Fireplace Grate

Although concrete is an extremely durable surface, if it is exposed to fire over a prolonged period of time, it may get damaged. Fireplace grates are designed to give you better protection from the fireplace by reducing the direct heat of the fire on the floor. Not only will this help to extend the heat, but can also lengthen the life of the fireplace, saving you money on repairs.

Closing the Damper

The embers in a fireplace can remain hot for as long as two days after the fire is extinguished. Even if you do not have a fire burning, it is important to leave the damper open to help prevent carbon monoxide from remaining in your home. It is also critical that you remember to never leave a fire unattended.

Cleaning Out the Ashes

After the fire is extinguished you should allow the ashes to cool down for at least 24-hours before you remove them from the fireplace. Always store the ashes outside of the house and in a non-combustible container until you can properly and safely dispose of them.

Routine Inspection

One of the most important things you can do to prevent the risk of a house fire resulting from the fireplace is to have a yearly inspection. Yearly maintenance and professional inspections will allow you to know ahead of time if there is a problem, including the chimney cap that should be replaced or if the flue is damaged. A clean chimney can help prevent fire damage and costly repairs.

Residents of West Hartford, CT interested in reviewing the current homeowner’s insurance policy, upgrading their policy or purchasing a home, auto or other insurance should contact StateChoice.