The Russell Agency, LLC Blog
All You Ever Wanted to Know About Insurance
I Just Bought a New Car. What Insurance Coverage Do I Need?
Friday, June 5, 2020
Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off...
Senate Passes Paycheck Protection Flexibility Bill
Thursday, June 4, 2020
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...