What is Collision Automobile Coverage?

Connecticut is an at-fault state, meaning you must carry insurance to pay for the other driver’s medical expenses and property loss in the event of an accident determined to be your fault. A minimum of $25,000 is required per person and $50,000 per wreck for injuries, while $25,000 is needed for property damage coverage. 

Collision insurance is not mandated in Manchester, CT, though many lenders will require you to purchase it as part of full coverage indemnification while you maintain a balance. 

Collision Automobile Coverage Can Protect You

There are many scenarios where collision insurance can protect your interests, as it specifically extends to circumstances where you come into contact with another object. You may, for example, hit another person’s bumper and need to fix damage to your car as a result. Ask a Brent Young Agency LLC agent for more information specific to your situation. 

In a situation where you roll your vehicle, you may be eligible for benefits. In addition, you may hit a guardrail, a light pole, a mailbox, or other stationary items. Your liability insurance takes care of the other party’s expenses when you cause an accident, but collision insurance pays for yours. 

Collision insurance gives you peace of mind if you’re driving a newer car that would be costly to fix. You are responsible for paying the deductible before this indemnification kicks in, so give consideration to how much out-of-pocket expense you wish to incur.

Typically, a lower deductible results in a higher premium and a lower cap will lessen your monthly outlay for insurance. Collision insurance can usually be purchased with or without full coverage protection. 

We Are Here to Assist You 

Brent Young Agency LLC aims to serve Manchester, CT residents with their insurance needs, and we invite you to reach out to us to find out more today. 

Commercial Insurance Considerations in a High Risk Area

If you are ready to purchase commercial insurance for your business then there are a few things you should consider. Brent Young Agency LLC serves Manchester, CT and the surrounding areas with quality commercial insurance services. We can help protect your business and assets with consideration to the physical location of your company. 

Consider These Location Red Flags While Purchasing Commercial Insurance

  • High Crime – It is judicial to check the crime rates in an area before you decide to buy or rent a location for your business. High crime can drive away customers, damage and/or reduce your inventory, and possibly endanger your employees. 
  • High Traffic – If your business is in a high-traffic area you may be more vulnerable to damage and theft. These aspects may need to be addressed in a commercial insurance policy. 
  • Flood Zoning – If your business is in a flood zone then it is cut and dry, so to speak when it comes to your insurance needs. But what if your business is exactly right outside the line? You may be left unprotected if you base your flood insurance choices strictly on the designated flood zones. 
  • Inside Risks – Sometimes your commercial insurance needs to cover risks from within your company. This can be true when a lot of your business assets are in cyberspace. An insider risk management assessment and policy may be just what you need for protection from all fronts. 

Contact Us Today

At Brent Young Agency LLC we can answer any questions you may have about commercial insurance and special risks related to your unique business. We proudly serve the community of Manchester, CT. 

5 steps to take when preparing for a hurricane

You can’t control the weather. But it doesn’t hurt to have a plan.

Most natural disasters are unavoidable. Heavy rain, high winds, and flooding make hurricanes particularly problematic. While it’s impossible to slow down these storms, being prepared can help minimize the damage. But, most importantly, it can also keep you and your family secure.

That’s why we at Brent Young Agency LLC in Manchester, CT encourage our clients to have a hurricane preparation plan.

Here are five steps for keeping your homes and loved ones safe:

Set an excavation route

Start by knowing where you’ll go and how you’ll get there. Select a meeting place or designate a family member as the point of contact. Staying in communication is key.

Check the exterior

Before the storm, limit any outdoor items that might pose a threat. Trimming large trees or bringing furniture inside is a must. Glass is especially dangerous. Install shutters or impact-resistant glass. Plywood over all windows also provides last-minute protection.

Secure the interior

Store all important documents and valuables in a safety deposit box or safe. Unplug all electronics and appliances. Move as many of these as you can into an interior room or closet.

Power up

You might have to go off the grid for a few days. Fill up with gas, test generators, and charge all phones in the event you are without power.

Gather emergency supplies

Make a bag filled with the essentials. At a minimum, it should include bottled water, some non-perishable food, blankets, a change of clothes, flashlights, a radio, and extra batteries.

Get Personalized Insurance Coverage Today

Our team at Brent Young Agency LLC in Manchester, CT knows the value of having a hurricane preparation plan. Along with a personalized insurance policy, their team can help you weather any storm. Schedule an appointment today.

Why should someone get auto insurance in Manchester?

Manchester, CT can be a great place to work and live. If you are in this part of the state and want to be able to get around efficiently, you will want to own your own car. Along with a new car, you also need to have auto insurance.

There are various great reasons to invest in your own auto insurance plan:

Meet State Laws

An important reason to have an auto insurance plan when you are living in this part of Connecticut is to ensure you can meet state laws. Those that would like to drive a car need to meet standards set by the state in terms of auto liability insurance. If you do not have the basic level of coverage, you will be in violation of the law and can be penalized as such. 

Protect Your Vehicle and Investment

Vehicles today can be quite expensive and ensuring that your investment in them is covered is important. A great way that this can be done is by obtaining a full collision and comprehensive insurance plan. If you get this coverage, it will provide the support needed to replace or repair your car if you do experience a loss due to theft or an accident. This coverage will also typically be required by auto lenders. 

Give Us A Call

In the Manchester, CT area, you can find that owning a car is a good idea. If you want to purchase a car, you will want to know that you have the support needed to assess your insurance options. The professionals with Brent Young Agency LLC can give any advice and guidance necessary to select an ideal auto insurance plan. Brent Young Agency LLC will answer your questions and carefully review your situation to provide a customized solution. 

I’m A Landlord. Do I Need Commercial Insurance?

Your first task as a landlord is to ensure that the property is well-maintained and safe. Keeping your properties safe from potential natural and man-made disasters requires commercial insurance. This can come in the form of a liability insurance policy or an injury, illness, property damage, or other casualty policy. 

Resident homeowners insurance policies can be another option if you’re planning on renting out your home but need some extra security. If you’re looking to get your insurance details, visit Brent Young Agency LLC in Manchester, CT.

Get Personal Insurance 

As a landlord, you’re required to maintain your properties. This means you can’t just walk away from a problem and hope it goes away. You have to be upfront about the condition of your homes and make an effort to repair damages as soon as you discover them. It also means you need a plan for not only fixing damage but also replacing lost or stolen property. 

While many landlords take advantage of neighborhood associations and building management associations to provide homeowners insurance, others rely on the state department of insurance to fulfill this responsibility. When you’re in the business of renting out your properties, you can usually find insurance coverage in a number of forms. One form that’s especially popular among landlords is homeowner’s protection insurance. 

If you’re an existing landlord and you’re looking to add commercial insurance, you’ll need to start the process early. The best course of action is to get in touch with an insurance broker in your area or to look into numerous other options. 

Give Us A Call

You can find insurance companies that will work with you on a monthly payment plan, but you’ll likely want to make an effort to negotiate a lower rate once you start making claims. If you’re ready to get started on your insurance journey, check out Brent Young Agency LLC in Manchester, CT.

How Often Should I Review My Home Insurance Policy?

Most home insurance policies give you a 30-day grace period or more after your coverage. Ensure you’re updated on any required registrations and reporting. 

If there’s something outdated or not covered under the policy, address it or call Brent Young Agency LLC in Manchester, CT. 

What Entails Policy Review 

Many homeowners opt to set a due date in their calendar to review their policy each year. The best time to start reviewing your policy is at the beginning of the year. 

This is when you should look at your coverage levels, compare your policy to that of your neighbors, and renew your policy if necessary. After you’ve renewed your policy, don’t leave it up in the air — review it again in a few months’ time. 

The goal of reviewing your policy at the beginning of the year, at the end of the year, and in-between is to stay on top of things. Doing it regularly ensures that you always have a detailed knowledge of what’s covered and what’s not, as well as how much your policy will cost. 

First and foremost, you should always confirm that your home is insured. If you purchased your home recently, you may want to double-check that it’s covered by your mortgage lender’s policy. If you’re looking to add coverage to your home, you should compare the cost of that coverage to the cost of staying uninsured. 

Call Us Today

The frequency of home insurance policy reviews depends on the policy term length and the type of coverage you have. Most home insurance policies have a policy term length of three to five years. 

If you have a term length of less than five years, you should review your policy every year. The majority have a yearly policy term length. For expert aid, contact Brent Young Agency LLC in Manchester, CT.

How Does My Credit Score Affect My Auto Insurance Rates?

If you’re looking to buy a new car, the lender will likely check your credit score. If it’s below a specific threshold, they may not approve you. In case you’re driving a car with low or average mileage, the lender may check your credit score as well. For questions and advice, contact Brent Young Agency LLC, and talk to the experienced team in Manchester, CT. 

What to Know About Credit Score 

Credit score is often the deciding factor between getting affordable car insurance or not, making it important to understand how it works. You can maintain a good score by keeping track of your bills and making timely payments. If you have a low or bad credit score, you could end up with a rate that is three to four times higher than someone with excellent credit. 

Your premiums are low if you’ve low scores. When you shop for car insurance, you’ll probably see a few different factors that affect your rate. What can affect your car insurance rate? There are several things you can do to improve your score, like staying current on bills and keeping a low balance on your credit card. Some of the factors include: 

  • Your age
  • Your credit score
  • Your car make and model
  • Where you live

With practically every provider and in most jurisdictions, a higher credit score lowers your vehicle insurance premiums, typically substantially. Almost every insurer will do a credit check on you. Getting a quotation, on the other hand, doesn’t impact your credit score. 

Give Us A Call

While credit history doesn’t directly affect your car insurance rates, it does impact your insurance premium indirectly by impacting your rate profile. When deciding on the amount to charge, the insurer will consider your profile. Are you a resident of Manchester, CT and you need help? Call Brent Young Agency LLC.

How commercial insurance benefits your business

Owning your own business gives you a lot of freedom, but it also comes with a lot of work and with big risks. More than half of businesses will not survive for five years. You can increase your chance of survival by making sure you anticipate as many of the hazards. At Brent Young Agency LLC in Manchester, CT,  we are independent insurance agents who bring our expertise to our business and personal customers. 

How commercial insurance benefits your business

Business interruption insurance

Things happen and not all of them are good. If your business is shut down by a covered risk, you will be able to survive much more easily if you have this type of insurance. When your business is not generating any income, your expenses won’t change. You still need to meet the payroll, pay bills, and rent. If you have business interruption insurance, you will have the money you need to survive until your business is back up and running again. 

Commercial property insurance

When a disaster hits your business, your means of earning an income may be lost and you need it replaced as quickly as possible. If you have a lot of extra cash in your business, then you will be able to replace your equipment and repair the building if you own it. If like most businesses, you don’t have a pile of cash hanging around, commercial property insurance can provide the money you need to replace your equipment, electronics, tools, machinery, inventory, and much more. 

Commercial liability insurance

Protecting yourself from legal actions against you is a big benefit. Businesses are at great risk of being sued and finding themselves with a judgment against them. It really is a lifesaver to have this insurance. 

Give Brent Young Agency LLC in Manchester, CT a call to make an appointment to discuss your commercial insurance needs. 

What types of coverage does home insurance provide?

Home insurance is not just one type of insurance. A traditional home policy has four different types of coverage. You get property coverage, content cover, liability coverage, and loss of use coverage. Read your policy carefully to make sure that it includes all four. At Brent Young Agency LLC in Manchester, CT, we have a full-service independent insurance agency that has been serving customers throughout the state since 1990. 

Liability coverage

The world is full of things that can damage you financially and having the correct amount of liability insurance makes the difference between saving your assets and losing everything you have worked so hard for. Be sure that you have the right amount of liability coverage. Not having enough is a bad mistake. 

Loss of use

If your house is damaged to such a degree that it is not habitable, you will need a place to stay. Depending on the length of time you will be homeless, you may stay in a hotel for a short stay, but for longer times, a rental home may be the best option. In the short term, meals may also be covered. 

Property

The physical structure of your home is protected from a variety of different hazards. It covers the roof, chimney, walls, basement, porch, deck and garage. It also covers detached structures on your property like a shed or casita. 

Content

All of your personal possessions are also covered, though some items like art or jewelry have limits. If you have expensive things, you may need a rider. You can choose a replacement cost or current value when it comes to your content. The current value allows for depreciation when determining the value. You may not get enough to replace some items. 

Contact Brent Young Agency LLC in Manchester, CT when you are ready to discuss your home insurance. 

Auto Insurance Do’s and Don’ts

Auto insurance is a monthly expense that can not be avoided. Most states require that you carry minimum auto insurance in order to operate your vehicle legally. At Brent Young Agency LLC, serving Manchester, CT, and the surrounding areas, we can help you understand how to save on this important monthly bill. Keep reading to learn about auto insurance do’s and don’ts. 

Do Shop Around 

Insurance rates can change a lot during the course of a year. This is why it is important that you shop around for new insurance coverage annually. Few people do this, and they might be missing out on important savings. It is also a good idea to shop around because different life events can affect how much you will pay for insurance. If you have recently gotten married, divorced, or purchased a home, it could influence your auto insurance costs. 

Do Add New Drivers Quickly

If you need to add a new driver to your policy, be sure to do this as soon as possible. If you fail to add a new driver to a policy, and that person will be driving the vehicle on a regular basis, it could put you at financial risk if something goes wrong. 

New drivers need to be added if you have teens who are starting to drive in your home and will be using your vehicles. New drivers also need to be added any time you have agreed to let anyone use your car on a regular basis. 

Don’t Let Insurance Lapse

Allowing your auto insurance to lapse can put you at financial risk and could have legal consequences as well, depending on where you live. 

If you would like to learn more about our services, please contact us at Brent Young Agency LLC, serving Manchester, CT, and the surrounding areas.