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The Russell Agency, LLC Blog

All You Ever Wanted to Know About Insurance

FEMA Extends Grace Period for Payment of National Flood Insurance Policy Renewals due to COVID-19 Pandemic

The Standard Flood Insurance Policy (SFIP) provides that the term of the policy commences on its inception date and ends on its expiration date. To avoid a lapse or reduction in coverage, a National Flood Insurance...

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Are You Covered?

When it comes to protecting the things that matter most to you-your home, your jewelry, your life-it’s important that you consider what types of insurance will cover you best, and you need to know ahead of time the...

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What is the Most Common Natural Disaster in the U.S.?

The answer is flooding. If your home sustained damage due to a flood, would you have coverage? You might be thinking-of course I would have coverage. I have a homeowners policy. You aren’t alone in thinking that, but...

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Protect Your House When You Rent It Out To Others

Renting out your house to others can be lucrative. Millions of people take advantage of various house/apartment sharing services (e.g., Airbnb, HomeAway, FlipKey or MIMDU) each year. These companies match hosts who...

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Online Term Life Quoting Tool Now Available!!!

Are you interested in learning what a term life insurance policy might cost for yourself or a loved one? If so, stop by The Russell Agency home page and click on our new term life quoting tool. You will have your answer...

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Connecticut Insurance Department Information Page on the Coronavirus

The State of Connecticut Department of Insurance has an information page on the coronavirus and insurance. You can access the page by clicking here.If you have any questions, please call our office.

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Insure Your Jewelry

Jewelry is a popular gift for engagements, anniversaries, birthdays, Christmas and Valentine’s Day. It’s one of the most meaningful gifts-and the most valuable-that someone might receive. It’s imperative that these...

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Stay Insured When You Rent or Hire a Vehicle

People may put a significant amount of effort into adequately insuring their personal vehicles, but they frequently make quick assumptions about coverage for rented or hired vehicles. However, it is important to...

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Coronavirus and Business Interruption

For business interruption insurance coverage to be triggered, the insured property must suffer physical damage by a covered cause of loss. Unfortunately, a virus is not a covered cause of loss. When a cause of loss is...

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Coronavirus (COVID-19) Update

There has been an increase in concern about the spreading coronavirus COVID-19. Businesses should consider implementing safeguards to reduce exposure to illness. Steps should include but are not limited to: - Encourage...

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Is federal flood coverage available for commercial property?

The National Flood Insurance Program offers three Standard Flood Insurance Policy forms. These forms provide policyholders with a description of their coverage and other important coverage information. Dwelling Policy...

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Transportation Network Companies, like Uber and Lyft

Transportation Network Companies, like Uber and Lyft, have really taken off over the last few years. People are providing transportation to others with their autos using a cell phone application to connect. While this...

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Top 10 contractor hiring tips for homeowners

A home is a very valuable asset and proper maintenance is a key factor in the retention and growth of a home's value. This factor is one reason why it is important for homeowners to hire highly qualified contractors...

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What to Consider When Choosing Auto Insurance

Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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Storm Damage - What's Covered?

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,...

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State of Connecticut Mandates Sexual Harassment Prevention Training for Businesses

Under Connecticut law, employers with three or more employees must provide two hours of sexual harassment prevention training and education every 10 years. Any new hires must complete this training within six months of...

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House Introduces Bipartisan Bill to Address Reptitive Loss Properties

Bipartisan legislation, the Repeated Flooded Communities Preparation Act, was introduced in the House of Representatives last week in an attempt to address repetitive loss properties covered by the National Flood...

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The dangers of drunk driving

In 2017, nearly 11,000 people in the United States died in motor vehicle crashes involving an alcohol-impaired driver. The annual cost of alcohol-related crashes totals more than $44 billion. What can I do to help...

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What you should consider before changing auto insurers?

Some of our customers have been prompted by TV commercials or mass-mail advertisements to consider switching their automobile insurance. Before saying “yes” to one of these proposals, we hope you will consider the ...

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Choosing the Correct Fire Extinguisher Classification

Fire extinguishers are classified by the type of fire that they will extinguish. There are five different fire extinguishers classifications. If the proper fire extinguisher class is not used there is a risk that the...

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5 Carbon Monoxide Safety Tips

Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO...

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State Auto Offers Identity Theft Protection

You are a target for identity theft. And once your identity has been stolen, it's hard to get it back in order. From prevention to restoration, our Identity Theft Protection Program has you covered. Provided free of...

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Credit Card Safety Measures

When protecting your credit there are many things to consider. You could become a victim of theft in many places including the grocery store, mall, or a parking lot. New chips have come out claiming to better protect...

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What is a Reservation of Rights Letter?

A Reservation of Rights Letter is notification from your insurance company that coverage for a claim may not apply. The notification allows the insurance company to continue to investigate a claim in order to determine...

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Governor Signs Executive Orders to Reduce Health Care Costs in Connecticut

Gov. Ned Lamont recently announced that he has signed two executive orders that will address health-care costs, primary care spending, and quality of care for individuals, businesses and state government. The orders...

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Hemp Will Qualify for New Crop Insurance Pilot

The U.S. Department of Agriculture (USDA) announced on Dec. 23 that hemp farmers in 21 states will be eligible for a new crop insurance pilot program starting in 2020. The program provides actual production history...

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Yikes! Second Hottest Year on Record

According to independent assessments of global temperatures in 2019 by NASA, the National Oceanic and Atmospheric Administration, the World Meteorological Organization, Berkeley Earth, and the U.K. Met Office, last...

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Avoid a Loss: Prevent Burst Pipes While on Vacation

Preparing for a vacation requires a long checklist: Pack your bags (check!); stop the mail (check!); bring your pets to the kennel (check!); ask a neighbor to keep an eye on your house (check!) and turn off your water!...

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Referrals Welcome!

Everyone has heard a friend recount a nightmarish story about an 800-number insurance company they thought they’d save money with for 15 minutes of their time ... Only to find out that they were never told what their...

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Super Early Spring Cleaning Ideas!

Getting organized and ready for spring feels great. We’ve got some suggestions for you to think about when you’re spring cleaning: 1.) Tune up your auto policy.Everyone makes sure auto insurance "fits" when they first...

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Stay Informed

Staying informed and up-to-date on your insurance company’s insurance policies isn’t just smart, it also can save you money and give you peace of mind. If you haven’t reviewed your coverage in a while, you might be...

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The Safety of Independence

When it comes to staying safe-in your car, when you are traveling, in your home-it’s important to consider one of the most important tools that will make you feel safe and secure: insurance. Sure, you can stay safe by...

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Make Sure You Are The Only You Out There

The Federal Trade Commission processed 1.4 million fraud reports-totaling $1.48 billion in losses-in 2018. Identity theft occurs when an unauthorized person uses your personal identifying information, such as your name,...

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Seat Belt Laws


The Do’s and Don’ts After A Fire

During a fire, it’s important to follow your emergency action plan and ensure that you and your family are safe. After a fire, it’s equally important that you take care of your home-but maybe not in the way you might...

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Electric Scooters are Coming!!!

Effective Oct. 1, 2019, legalized electric scooters, electric bicycles and electric tricycles became legal in Connecticut. The law allows these vehicles-as long as they do not exceed 20 miles per hour and are not...

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When Roadside Assistance Isn’t Enough

If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in...

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A Home's Replacement Cost

Wouldn’t it be nice to buy a homeowners policy that would guarantee replacement of your home in the event of a loss without any conditions? That concept may be appealing, but it’s not realistic. In order to charge the...

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Older Drivers

An article in the Washington Post took a look at U.S. Census data and noted the number of licensed drivers over the age of 65 increased 29 percent from 2003 to 2013. In fact, the article said, older drivers have...

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