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You’re Free to Choose
- How choosing a Trusted Choice® Independent Insurance Agent could free you from high premiums, offer you better choices, and improve your quality of service when it comes to purchasing insurance in Connecticut.

Just as the thirteen colonies in 1776 were seeking freedom, choices and a better quality of life when the Declaration of Independence was signed, many consumers today are seeking a similar set of options.  Although our lives have changed since that historic day, we still have many obstacles and frustrations to overcome.  A few things that consumers seem to be seeking freedom from these days is, a hectic lifestyle, rising prices, and a decline in quality customer service in many industries.  
It seems that many companies, including certain insurance companies, are cutting expenses and service by outsourcing and automation, while spending more on bombarding us with advertising at every turn.  When it comes to insurance in Connecticut, cutting corners with products and service level could wind you up in a bad situation. 

Our agency frequently receives claim scenarios from each insurance provider that we are appointed with.  The intention is to keep us informed of all scenarios that present risk to our clients in order to better educate them on the importance of umbrella liability insurance.  

Simply stated, we often must read some pretty tough stuff that happens to people who are involved in a claim where an umbrella policy has to respond because the liability limits of an underlying insurance policy have been exhausted.  Or worse yet, sometimes we learn what happens when an insured doesn’t have umbrella liability insurance.  For example…

There’s a popular saying that goes like this: “Home is where the heart is.” That saying rings true for many who find “home” a safe-haven and a place to cherish, convene with family and friends, raise children, cook meals, rest, retire and celebrate. 

Most will agree a home is not just a pile of bricks and mortar. Rather, a true “home” comprises much more, including everything inside it. Some of the things inside your house that helps make it your home include your furniture and appliances, clothing, sports equipment, and electronic goods. These items are considered personal property – and it’s important to protect it all.

How do I protect what makes my house a home?

Nominated by his clients statewide, Carmine Montuori, appears in Connecticut Magazine within the Five Star Professional special section.

Branford, Connecticut, March 17, 2017 - V.F. McNeil Insurance, a Trusted Choice® Independent Insurance Agency proudly announces that its Vice President, Carmine Montuori, was named by Five Star Professional and Connecticut Magazine as a Five Star Insurance Professional in 2016.  

Five Star Professional annually partners with Connecticut Magazine to identify insurance, mortgage, and real estate professionals in the Connecticut area who deliver outstanding knowledge, service, and client satisfaction.  The research team at Five Star Professional contacted thousands of consumers to compile its list of insurance professionals for 2016 which will be featured in the March 2017 issue of Connecticut Magazine.  

To contact Carmine Montuori, please call at 203.481.2684 or email at  

About V.F. McNeil Insurance

V.F. McNeil Insurance is a Trusted Choice® independent insurance agency and a member of PIACT (Professional Insurance Agents of Connecticut) that provides its customers with a range of quality insurance products for the needs of families, individuals, and businesses in Connecticut.



500 East Main St.
Suite 200
Branford, CT 06405


Friday: 8am-4:30pm
2022 Summer Hours



FAX 203-483-1891