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Insurance Tips
Helpful Insurance Tips for Consumers from
Brown & Brown of Ct dba Hedden Insurance
Check Your Home for Electrical Hazards
A new survey commissioned by the Independent Insurance Agents & Brokers of America (IIABA) has found that of more than 75 million American homeowners, 1 out of 4 never check for electrical hazards. That means they are vulnerable to electrical home-structure fires and other incidents that can cause significant personal and financial loss. More Info
Homeowners Insurance DOES NOT Protect Home-based Businesses
A Big "I" survey found that many of America's 11 million home-based businesses do not have the proper business
insurance coverage. This can lead to serious financial loss for home-based business owners.
Uninsured Renters are Not Covered for Property Losses
In cases of disasters in the home such as fire, smoke, water and weather damage, among others, renters face the same perils as homeowners. However, homeowners like your landlord or condo association may have insurance, but this only protects the building, not your belongings in the building. Renters insurance can protect your things in case of disaster.
Keep Your Auto Insurance Information with You
Connecticut requires drivers to carry a proof-of-insurance card with them at all times when driving. Call us today for a card, and keep it in your wallet or in your car.
Your Homeowner’s Insurance Does Not Cover Flooding
Standard homeowners and renters insurance does not cover flood damage. Flood coverage, however, is available in the form of a separate policy.
FAQ’s
I need to make a policy change. How can I do this online?
Many carriers offer the ability to make online policy changes. Some carriers require policy changes be made over the phone. Click on our Insurance Carriers links for more information, or call us today and we will direct you to a servicing agency to make immediate changes to your policy.
Are there other online services available?
Yes. Many of our carriers allow you to:
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Pay your bill
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Check your billing history
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Change your payment due date or bank account information
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Order a copy of your policy
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Order new insurance ID cards
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View/download your policy documents
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Change your name
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Change your address
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Update your Auto Loan Provider (Loss Payee)
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Add a driver to your Auto policy
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Change vehicles
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Delete a driver from your Auto policy
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View information about your claims
Visit our Insurance Carriers links for more information or call us today.
What is a deductible and can I choose a higher or lower deductible?
A deductible is the amount of the loss you are responsible to pay before benefits from the insurance company are payable. You may choose a higher deductible to lower your premium. The insurance company pays the remainder of each covered loss up to the policy limits.
What services do you provide at Brown & Brown of Ct dba Hedden Insurance?
We offer complete lines of personal and commercial insurance to meet all of your insurance needs. We also maintain a full service real estate business right here in our office. Visit our real estate page for more information. |
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