The Russell Agency, LLC Blog
All You Ever Wanted to Know About Insurance
How are hurricanes graded?
Friday, May 29, 2020
Hurricanes are graded by the Saffir-Simpson Hurricane Scale as follows:Tropical storm-winds 39-73 mphCategory 1 hurricane-winds 74-95 mph (64-82 kt) No real damage to buildings. Damage to un-anchored mobile homes. Some...
What is a hurricane deductible?
Wednesday, May 27, 2020
The Connecticut Legislature passed Public Act 12-62, which was signed into law in June 2012. According to the act, insurers are allowed to impose a hurricane deductible in the policy in lieu of an overall policy...
Storm damage—what’s covered?
Tuesday, May 26, 2020
Generally, how does my homeowners policy respond to storm damage to my property? Your homeowners policy covers most losses that may occur to your dwelling and personal property. Commonly, losses resulting from theft,...
A household inventory—well worth the time
Friday, May 22, 2020
What is a household inventory and why do I need one? A household inventory could prove invaluable if you lost some or all of your household belongings in a fire, burglary or natural disaster. A household inventory is a...
FAQs on Connecticut’s grace period for insurance premium payments
Wednesday, May 20, 2020
Who does the order apply to? The executive order applies to all insurers licensed or regulated by the Connecticut Insurance Department. What must insurers do? All insurers must give policyholders unable to pay their...
Questions that homeowners may have about their property-loss claim following a catastrophic event
Monday, May 18, 2020
Your property insurance covers many events that can cause damage to your property. Unfortunately, not every event is covered. Earthquakes, floods and power blackouts are examples of events typically excluded without...
Employee or independent contractor?
Friday, May 15, 2020
There is a common mistake employers across the U.S. are making that could cost them a lot of money: Misclassifying their employees as independent contractors. It’s easy to do, but the cost of doing so could be drastic....
How does my auto insurance react to pothole damage?
Wednesday, May 13, 2020
If you have collision coverage, your auto insurance policy will cover damage caused by hitting a pothole. Potholes can impair alignment, ruin shocks and struts, puncture tires, bend wheel rims and damage other parts...
Crime Prevention Begins at Home
Monday, May 11, 2020
I always lock my doors when I leave my house. What else can I do to prevent a break-in? Make your home appear occupied. Timers are inexpensive and can be effective at fooling thieves. Use them to turn lamps and radios...
It might be time to spring clean your insurance
Friday, May 8, 2020
Spring may be the time of year for cleaning out closets and drawers and organizing attics and cellars, but it also is a great time to clean up your insurance coverages. It is important to look at your insurance coverage...
A household inventory—well worth the time
Wednesday, May 6, 2020
What is a household inventory and why do I need one? A household inventory could prove invaluable if you lost some or all of your household belongings in a fire, burglary or natural disaster. A household inventory is a...
Flooding Will Double Worldwide by 2030
Monday, May 4, 2020
Keep Your Pets Safe in a Disaster
Friday, May 1, 2020
A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after a...
Hurricanes and Flood....Oh My!!!
Friday, May 1, 2020
According to H. Jackson Brown Jr., “the best preparation for tomorrow is doing your best today.” At our agency, we strive to do our best to help you prepare for your tomorrow-especially if your tomorrow includes a...