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What is hurricane preparedness insurance, and do I need it?

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Homeowner’s insurance doesn’t cover certain natural disasters like flooding and hurricanes. As a result, homeowners who live in areas prone to flooding and other extreme natural disasters need coverage to prepare for and cover these extreme natural disasters. Hurricane preparedness insurance helps homeowners prepare for natural disasters and receive the coverage they need to prepare for the effects of these natural disasters. Our team at Brent Young Agency LLC is committed to helping Manchester, CT homeowners get coverage for natural disasters.

Hurricane Preparedness Insurance

Hurricane insurance doesn’t exist as a separate policy. Instead, additional coverage is added to your existing homeowner’s policy. For example, hurricanes are natural disasters known for high winds and flooding. Hurricane insurance would actually include flood coverage and wind damage coverage added to your homeowner’s policy, which would be referred to as hurricane insurance. Homeowners can also benefit from additions made to their homes to prepare for natural disasters. For example, adjustments can be made to a home to prepare for high winds as a way of preventing wind damage. Also, adjustments can be made to a home to prepare it for flooding as well. In essence, hurricane insurance isn’t an actual separate policy. Instead, it’s both wind and flood riders that can be attached to your current homeowner’s insurance policy. 

What is hurricane preparedness insurance, and do I need it?

Hurricane preparedness insurance is actually two separate policies/riders that can be attached to your current homeowner’s insurance policy. Any homeowner who lives in an area prone to flooding, as well as other extreme natural disasters, should invest in this kind of insurance. You can always reach out to a licensed insurance agent for more guidance.

If you have more questions about hurricane preparedness insurance, call us at Brent Young Agency LLC in Manchester, CT. We’d be happy to explore your situation and help you get the coverage you need. 

What do I need to evaluate when choosing a new auto insurance plan?

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Owning a car is a good option for a lot of people in the Manchester, CT area. If you are going to buy a car when you are here, you also need to know that you are properly insured. When shopping for auto insurance, there are a lot of options to consider. There are various factors, in particular, which should be evaluated when you are in the market for your next auto plan. 

Coverage Needs

An important factor to think about as you are shopping for insurance is your coverage needs. When it comes to auto insurance, no two people have identical needs. All people in the state of Connecticut are required to carry liability insurance, which ensures you have coverage if you are at fault in an accident. Another factor to consider is if you need comprehensive coverage. Without it, you will not have any coverage for your vehicle. If your vehicle took a large investment or you have a loan outstanding, you should get this additional coverage. 

Deductible Level

An insurance deductible is the amount of money you have to pay out of pocket before a claim is paid. Deductibles can be as low as $0 and extend to above $1,000. Generally, the lower the deductible, the higher your monthly payment will be. Because of this, it is important that you find an appropriate balance based on your situation. You also need to make sure you keep money set aside in case you do need to file a claim. 

Consult With Us

When you are a car owner in the Manchester, CT area, you should call our team with Brent Young Agency LLC. Our professionals at Brent Young Agency LLC can help you assess your needs and build the right policy for your situation. 

Do E-commerce Businesses Need Special Commercial Insurance?

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If you are an e-commerce business owner, you need insurance design to protect your business. E-commerce businesses face unique risks in the marketplace, so insurance is the best tool to offer a blanket of protection. If you’re currently interested in finding a commercial insurance policy that meets your needs, you can trust the experts at Brent Young Agency LLC. We aim to offer exceptional Insurance products and customer services to the residents in and around the Manchester, CT area.

Commercial Insurance Protection 

If your business specializes in e-commerce, you must have commercial insurance that protects you against risks online and in person. There are particular insurance policies designed to offer this type of coverage, but selecting the right policy may be challenging without the guidance of a knowledgeable insurance agent.

That’s where our team of experts comes in. We can not only present you with insurance policy options based on your current needs, but we can also explain the fine print to ensure you’re an informed consumer.

We’ll also take the time to collect your information in detail and submit it for immediate coverage. If there are any changes to the policy or additional documentation requests, we can assist with those. If there is a claim, we’ll also work with you and the insurance provider to help settle quickly. It’s all a part of our commitment to exceptional customer service.

Reach Out Today 

If you want to learn more about commercial insurance for your e-commerce business or any quality insurance products we offer, please don’t hesitate to contact us. Call or stop by the office of Brent Young Agency LLC, serving the residents in and around Manchester, CT.

Home Inventory Checklist: Why It’s Essential for Your Home Insurance Policy

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When it comes to home insurance policies, it’s important to plan ahead. One often underestimated tool that can greatly enhance your coverage is a meticulously crafted home inventory checklist. Brent Young Agency LLC, providing Manchester, CT residents with home insurance, wants to educate you on the reasons why building and maintaining such a checklist is an essential component of your home insurance policy.

Home Inventory Checklist

Precise Valuation of Possessions

A home inventory checklist acts as a meticulously detailed catalog of your belongings, encompassing everything from furniture to electronics, clothing, and even appliances. This precise valuation ensures accurate coverage, allowing you to be adequately reimbursed in the event of loss, theft, or damage.

Simplified Claims Process

When the unexpected strikes, an up-to-date home inventory checklist becomes your guiding light. In the aftermath of a catastrophe, such as a fire or burglary, your checklist expedites the claims process. You’ll have irrefutable evidence of your possessions, streamlining the assessment and validation of your losses.

Informed Decision Making

Creating a home inventory checklist isn’t solely for insurance purposes. It empowers you to make informed decisions about your coverage limits. Armed with the knowledge of the value of your possessions, you can tailor your policy to ensure comprehensive protection that aligns with your needs.

Schedule A Consultation Today!

A home inventory checklist is one of the most important things you can do to help you in the event you ever experience an issue for which you need to file a home insurance claim. Having the right home insurance policy can also come in handy. If you’re in the market for a new policy in the greater Manchester, CT area, Brent Young Agency LLC would love to earn your business. Reach out to us today.

Securing Your Property: Tips for Hurricane-Proofing Your Home

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Living in the greater Manchester, CT region, we all know the dangers of hurricane season. The threat of high winds, storm surges, and flooding can cause significant damage to our homes. However, there are steps you can take to prepare your property and reduce the risk of damage to your home. Brent Young Agency LLC has compiled a comprehensive guide to help you hurricane-proof your home before the next storm hits.

Hurricane-Proofing Your Home

1. Secure Your Windows and Doors

The first entry points for strong winds and debris during a hurricane are your windows and doors. Ensure they are properly sealed and have secure shutters or hurricane-resistant glass installed.

2. Trim Trees and Shrubs

Pay attention to trees and shrubs that are close to your home. Branches can quickly become dangerous projectiles in high winds. Regularly trimming back your trees and shrubs will reduce the risk of damage to your home and property.

3. Reinforce Roofing and Siding

Your roof and siding are the most vulnerable areas of your home during a hurricane. Ensure your roofing is in good condition and appropriately secured to the frame. Consider using hurricane straps for additional reinforcement.

4. Check Your Drainage

Flooding is a significant concern during a hurricane. Regularly check your gutters, downspouts, and French drains to ensure proper drainage. Make sure water is effectively moving away from your home’s foundation.

5. Create an Emergency Plan

Finally, create an emergency plan for your family.

By preparing your home for hurricanes, you can reduce the risk of damage and ensure your family’s safety. Contact Brent Young Agency LLC if you have any questions – we are proud to serve the Manchester, CT comunity.

Four things you might not know about auto insurance

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If you are a motorist in Manchester, CT who is in need of insurance coverage, you need to do your research. Brent Young Agency LLC can help you to learn everything you need to know to find the right insurance coverage.

The following are four things you might not know about auto insurance:

You need to add collision and comprehensive coverage to your policy for damages to your own vehicle to be covered. 

Some people don’t realize that basic auto insurance doesn’t include coverage for the policyholder’s own car.

Basic auto insurance only includes liability coverage. If you want coverage for your own vehicle, you need to add collision and comprehensive coverage. 

There are numerous optional coverages offered on an auto insurance policy.

Liability, collision, and comprehensive coverage are not the only types of coverage available. You can also purchase uninsured motorist coverage, rental vehicle coverage, gap insurance, and roadside assistance. There are numerous other coverage types you need to consider when buying a policy. 

Policyholders can choose from a few deductible options when they buy a policy.

The deductible on your policy is the amount you’ll have to pay toward the expenses you face when you file a claim. Your insurance provider should give you some deductible options when you buy a policy. You’ll save on premium costs if you opt for a high deductible. 

Motorists could qualify for discounts on auto insurance.

There are plenty of opportunities out there to save money on auto insurance. You may be able to pay less on your premiums thanks to bundling your insurance policies with the same provider. You may also qualify for a good student discount or an auto-pay discount. 

Give Us A Call

Do you have any questions about auto insurance in Manchester, CT? We can answer all your insurance questions at Brent Young Agency LLC. Give us a call for a quote!

Will commercial insurance cover damage to my personal car if I get in a wreck while using it for business purposes?

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It’s common for some business owners to use their personal vehicles for work purposes. For example, if you’re a small business owner, you may use your vehicle to transport products or do business-oriented tasks. However, the proper insurance needs to be in place. Our Manchester, CT team at Brent Young Agency LLC is dedicated to helping business owners get the type of commercial coverage they need most.

What does commercial insurance cover?

Commercial insurance provides a wide variety of different coverage options.  Fortunately, commercial insurance is designed to provide business owners with a variety of different options to meet their business needs. If you have company vehicles, you can purchase commercial car insurance, for example. Also, if you have employees, worker compensation is a form of commercial insurance that will be beneficial to you as well. Commercial insurance encompasses many different forms of coverage. This makes it easy for business owners to get the coverage they need most to meet their business needs.

Will commercial insurance cover damage to my personal car if I get in a wreck while using it for business purposes?

No. Unfortunately, commercial insurance will not cover the damage your personal car sustains in a wreck unless you’ve purchased commercial car insurance. Your personal auto insurance will not cover a wreck if your car was used for business purposes and not personal purposes.

If you use your car for business purposes, it is best to invest in commercial auto insurance. You’ll still need to carry personal auto insurance to cover your car when you’re using it for non-business purposes.

Looking for Insurance in Manchester, CT?

If you have questions about commercial insurance, call us at Brent Young Agency LLC. We’d be happy to help you explore your options. 

Why Every Homeowner Needs Home Insurance

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If you own a home, there are a lot of risks to that home that exist. There are many different threats that can harm a house, and you need to be prepared in case one of them should damage your home and your belongings. If you’re buying a home, it’s time to call us at Brent Young Agency LLC in Manchester, CT. 

Home Protection

One of the most important reasons that you need to have home insurance is that it protects your house itself. If something like an accident or a specific type of disaster happened that damaged your home, the policy would pay for that damage. Getting repairs of any kind can be extremely expensive, so it’s important never to be without this coverage. Without home insurance, you would be responsible for paying for all of the repairs or the rebuilding. Stay safe and cover your home. 

Belongings Protection

With a home policy, you also get coverage for the belongings that you have in the house. If a covered event should damage your belongings, the policy covers those as well. It can pay for you to get all of your belongings replaced so that you won’t have to come up with the money to do so. 

Coverage for Liability

Another coverage type is liability insurance. This covers you in case someone were to be at your home and suffer from an accident there. Someone could get injured in your home, and you’d have to pay for their medical bills if you didn’t have home insurance. With this coverage, the policy pays for those bills as well as things like lost wages and legal costs. 

Get Home Insurance

When you get home insurance, you have protection against many things that can go wrong. Call us at Brent Young Agency LLC in Manchester, CT to get started. 

Hurricane Preparedness Tips for Homeowners

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Understanding your insurance policy and your options is one of the most important elements in the event of a disaster and is crucial as hurricane season approaches. Nevertheless, not all insurance plans will pay for hurricane-related losses. Brent Young Agency LLC in Manchester, CT is here to provide you with a general idea of what to search for in an insurance policy and how to safeguard your possessions so that you don’t incur losses. 

Hurricane Preparation Advice for Manchester Residents

Manchester, CT residents may feel anxious during hurricane seasons since a lot of damage occurs to their property. The insurance company provides extensive insurance policies for disaster-related property loss.

But the best way to keep your house safe is to take precautions. Homeowners can learn useful information for preparing for a storm from the given information such as how to reinforce their roof, how to trim their trees, and what to keep in a disaster supply pack. Natural catastrophes and extreme weather are explained in this segment. 

Hurricane Insurance Coverage Options: What to Consider

It’s crucial that you fully grasp the ins and outs of your insurance policy, as state regulations and available coverage options vary widely with the different insurance plans which have been laid out. With multiple storm insurance plans to choose from, the Brent Young Agency LLC is a great resource for Connecticut residents to ensure that they have been well covered. We will help you with what to look for and what to consider when selecting a policy from the many available types of coverage.

The Early History of Auto Insurance

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Many things that we think of as common today were quite revolutionary just a hundred years ago. By now, many folks know some of the basics of automotive history, but have you ever considered the history of auto insurance and other types of insurance? We’re going to take a look. If you’re looking for (modern) auto insurance, feel free to reach out to Brent Young Agency LLC, serving greater Manchester, CT.

Now let’s take a look at the history of auto insurance in the United States.

A Quick Look at the History of Auto Insurance

The first auto insurance plan was taken out in 1897. While Michigan and Detroit specifically are perhaps the most famous place in America for cars, the first insurance plan was actually issued in Ohio. Gilbert J. Loomis of Dayton took out an insurance plan with the Travelers Insurance company.

Travelers Insurance Company had been around for several decades at that point. Up until Mr. Loomis took out auto insurance, however, the company was focused on fire insurance and maritime insurance. The oldest known insurance plans covered maritime trade. In the 14th century, traders in Genoa started to insure maritime shipments. The same principles of mitigating risks were eventually carried over to auto insurance plans.

These days, state governments typically require that you insure your car so that you can drive it on the road. Driving without insurance is often illegal. However, for a long time, insurance was treated as optional.

Things started to change in 1927 when Massachusetts became the first state to make auto insurance a must-have. Still, change was slow, and New York became the second state to institute a requirement, but that didn’t happen until 1956. By the 1970s, however, most states had made auto insurance mandatory.

Need auto insurance right now?

Get in touch with the Brent Young Agency LLC, serving greater Manchester, CT.