Personal Line Insurance
Personal line insurance includes property and casualty insurance products that protect individuals from losses they couldn’t afford to cover on their own. These types of insurance lines make it possible to do things like drive a car and own a home without risking financial ruin.
Homeowners Insurance
Homeowners insurance is a financial protection policy that pays a lump sum if your house is damaged or destroyed by fire, weather, theft or other causes. Most homeowners who have a mortgage are required by their lender to buy homeowners insurance. But there are different types of homeowners insurance with various types of coverage. Understanding exactly what is and isn’t covered, and the coverage amounts for the policy’s different components, is crucial before deciding on a policy.
Save on Insurance Premium without Sacrificing Protection.
CT Financial Services represents several top rated Homeowners insurance companies so we can help you sort through your options and get you multiple insurance quotes, all right here in one place.
Condo Insurance
Unlike homeowners, condo dwellers don’t own the building they live in or the land it sits on. Your condo or homeowners association (HOA) will carry a master policy to insure the building and pay for accidents that occur on outside property or in common areas. However, your HOA might not pay to repair the inside of your unit after disasters, nor will it replace your damaged or stolen belongings or cover liability costs if guests are injured in your condo. That’s why it’s smart to protect yourself with personal condo insurance, also called an HO-6 policy.
Do you have questions about Condo Insurance?
Contact, today to answer any questions about Condo Insurance or for a free review and insurance quote for Condo Insurance.
Landlord Insurance
Landlord Insurance is designed to insure residences you own or have a financial interest in but do not live in. Common situations calling for this type of insurance coverage include rental homes occupied by tenants. In these situations, insurance protection is needed for the building but typically not for any contents.
Contact, today to answer any questions about Landlord Insurance or for a free review and insurance quote for Landlord Insurance.
Vacant Home Insurance
Unoccupied and vacant home insurance are specialty insurance products that are designed to provide financial protection from damage or loss of a home that is uninhabited. Typical homeowners insurance policies won’t cover fire, vandalism, liability or other types of claims on an unoccupied or vacant property. For example, if you leave your home for a few months and there is a fire, unoccupied and vacant home insurance would provide coverage where your standard homeowners policy wouldn’t. This type of insurance product can be purchased as a separate policy.
Contact, today to answer any questions about Vacant Home Insurance or for a free review and insurance quote for Vacant Home Insurance.
Flood Insurance
A flood insurance policy is different than a basic hazard insurance or homeowners insurance policy, as it only covers losses that occur due to flooding. Standard homeowner’s insurance policies will cover most other losses as long as they are not related to flooding.
Contact, today to answer any questions about Flood Insurance or for a free review and insurance quote for Flood Insurance.
Auto Insurance
Auto Insurance protects you against financial loss in the event of accident of theft. An auto insurance policy covers bodily injury liability & property damage to others caused by you and other household members as a result of operating a motor vehicle. We can help you sort out property damage, liability and other car insurance policy features like medical payment reimbursement and reimbursement for injury caused to you by an uninsured or inadequately insured driver. There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.
Save on Insurance Premium without Sacrificing Protection.
CT Financial Services represents several top rated Auto insurance companies so we can help you sort through your options and get you multiple auto insurance quotes, all right here in one place.
Classic & Antique Car Insurance
You love that special car—the engine, the color and the workmanship. Tinkering under the hood or showing your car at a classic car show is one of your favorite ways to spend a day. As an auto aficionado, you’ve invested a lot of time and money in your car. Whether you own a classic, collectible or custom-built car, you’ll want to make sure that you have the right insurance coverage to help keep your investment safe. Not all auto insurance policies are created equal and that is especially true if you are looking for the right insurance for a restored or collectible vehicle. A standard automobile policy usually pays for vehicle damage under the comprehensive or collision part of the insurance policy, but claim settlement is usually for actual cash value (ACV) - the cost new less depreciation. Obviously, this approach isn't the best one to take when insuring a classic car. That's why our agency recommends special insurance coverage for the stated value of your special automobile or truck.
Contact us today if you have any questions about Classic or antique car Insurance or would like to review your policy and get a quote.
Motorcycle / Snowmobile / Boat / Mobile Home Insurance
Nothing beats a clear, sunny day on the road with a motorcycle or RV, or on the water with your own boat surrounded by your family and best friends. However, an unforeseen accident can turn joy to uncertainty at a time when you need to be prepared to make focused decisions. Events like an accident with a recreational vehicle like a boat, motorcycle, RV, personal watercraft can give rise to high repair expenses, medical costs or even litigation.
But the CT Financial Services has you covered. Our customized insurance plans can protect you against all kinds of unexpected loss and damage. Accidents are bad enough all by themselves, but the right insurance package can keep your losses to a minimum.
Contact us today if you have any questions about Recreational vehicle Insurance or would like to review your policy and get a quote.
Personal Umbrella
Nobody’s perfect. That’s why you buy personal liability insurance: You can avoid financial ruin if you accidentally cause bodily injury or property damage to others. Problem is, your insurance isn’t perfect, either. That’s where a personal umbrella insurance policy comes in. Think of umbrella insurance — sometimes called excess liability insurance — as a fail-safe for your savings and other assets. If you’re sued for damages that exceed the liability limits of your primary car insurance & homeowners’ insurance, an umbrella policy helps pay what you owe.
Contact us today if you have any questions about personal umbrella Insurance or would like to review your policy and get a quote.
Travel Insurance
Travel, whether for business or pleasure, can often require a significant outlay of cash. We travel for opportunity, relaxation and adventure, but when medical emergencies or other unforeseen misfortune crops up, the pleasure of travel can take a 180-degree turn. We can help remove some of the anxiety that would otherwise accompany vacation, overseas or business trips with travel insurance that fits your plans.
Contact us today if you have any questions about Travel Insurance or would like to review your policy and get a quote.
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