Archive for February, 2012

By: Pauline Handy

After opening the mail this morning, the attached document prompted this blog.  One of our insurance clients located in Plainville, Connecticut attached these comments to some correspondence they mailed to our office.  I was so pleased to learn of their satisfaction that I asked their permission to share their comments.  They kindly agreed and only asked that we would white out their full last name to protect their privacy.  I’ve scanned in their comments for all to read.  If you have a moment, click on the link below to learn about their experience.

Client Comments

Knowing first hand myself, sewer backups are a threat for any property owner and can be one of the most unpleasant things to deal with.  There are many substances that can clog a pipe.  Many can be controlled, some cannot.  Regardless, remedying this unfortunate situation can not only be unpleasant, but it can also be very costly.

Most of the time, standard property insurance in Connecticut does not cover damage resulting from a sewer backup.  This very inexpensive coverage endorsement is something we highly recommend.  Purchasing this supplemental insurance coverage for your home can save you thousands of dollars and save you from dealing with a really dirty job.

If you are unsure of whether or not you’ve opted to include this coverage, give your agent a call today.

 

To Request a Homeowner’s Quote – Visit V.F. McNeil Today

 

It’s almost Valentine’s Day, and thoughts of people everywhere turn to … jewelry.

Did you know?

About one out of four Americans buys jewelry, spending $2,000 per year on average.  Those who don’t buy shiny things for Valentine’s Day may prefer other types of valuables, such as electronics, artwork, antiques, wine and furs.

Whatever the purchase, consumers should take steps to safeguard and insure their valuables.   Homeowner’s insurance in Connecticut for example, generally covers valuable and precious items such as jewelry, but these policies usually have limits, exclusions, and requirements.

Typically policies restrict the dollar amount of coverage for individual valuable items ($1,000 is a typical maximum).  Therefore, with an average purchase of $2000.00 or more, you could be at a loss if you should need to place a claim, unless you have specific coverage for valuable items.

What’s more, most homeowner’s insurance policies cover “named perils” such as fire, lightning, and windstorm. That will exclude many events that create financial losses. Note, for example, the “my five-year-old dropped my engagement ring in the toilet and flushed it” circumstance is not a named peril.

To find out more about the questions below, we recommend calling to speak with one of our insurance professionals at (203) 481-2684 for a consultation.  It’s easy and our advice is always free.

• What’s best to protect your beloved Valentine’s Day gift?
• What type of loss circumstances would be excluded under a basic homeowner’s policy?
• What requirements are necessary to submit a claim?

Whatever is on your Valentine’s Day shopping list, be sure it is properly protected. 

Resource: Trusted Choice

 

To Inquire About Homeowner’s Insurance – You Can Also Visit V.F. McNeil Insurance Today!

We are located right in Branford, Connecticut.