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The Russell Agency, LLC Blog

All You Ever Wanted to Know About Insurance

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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Connecticut Texting Laws

You know it is forbidden, but sometimes it’s so hard to resist. You hear that chime from your pocket or the cup holder and you want to look. You know you shouldn’t but what if it’s something important, like breaking...

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Winter Driving Tips

During the winter season, drivers can protect themselves and their passengers by following a few travel guidelines: • Before heading out, make sure your vehicle is tuned up and in good shape for travel. Check to make...

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Holiday Gifts and Insurance Coverage

My house is filled with expensive gifts waiting to be opened. If my home is burglarized, damaged or destroyed, are all these gifts covered under my homeowners policy? It depends on the particular gift. Many homeowners...

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Heating Your Home This Winter

As we settle into the winter months, what can be cozier than enjoying some time in front of a gently burning fire? According to the U.S. Fire Administration, more than one-third of Americans use fireplaces, wood...

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Winter Loss Prevention Tips

Now is the time to prepare to ensure we have a safe winter. Here are a few things to keep in mind to help minimize loss during the colder months: • Your fireplace hasn’t been used in a year. Before you start your first...

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Senate Passes Federal Funding Package with 3 Insurance Priorities

WASHINGTON – The U.S. Senate has followed the House in passing a federal government funding package (H.R. 1865) that includes three of the top policy priorities of the National Association of Professional Insurance...

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Other Drivers and Your Car

Is your car covered if someone else is driving? The comprehensive and collision sections of your auto-insurance policy are attached to your car, so most insurance policies with comprehensive coverage will cover your...

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Open Enrollment Period Extended until January 15, 2020

Access Health CT has made the decision to extend the Open Enrollment Period until January 15, 2020.They are doing this to give Connecticut residents more time to pick a health insurance plan for 2020. If you would like...

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What Happens if the National Flood Insurance Program Expires on December 20th?

When President Donald J. Trump signed a bill to extend the National Flood Insurance Program through Dec. 20, 2019, without any reforms in September, it was believed that the extension would give elected officials the...

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Is Private Flood Insurance the Right Choice for You?

The National Association of Insurance Commissioners (NAIC) says private flood insurers reported direct written premium of $644 million in 2018, up 9 percent from 2017 direct written premiums and up 71 percent since...

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Sledding on Personal Property

Few thoughts kindle feelings of nostalgia quite as readily as memories of sledding: the wind in your face as you tear down a hill-joy and mild panic playing Pong inside your head-followed by the long trudge back to the...

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The Cold Truth About Ice Dams

The wind and snow of winter storms can lead to all kinds of problems for homeowners with tree limbs falling, power outages leading to frozen pipes and ice leading to slips and falls. After the storm clears, however,...

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How to Protect Your Classic Car

The collector car market evolves with each generation. While the Silent Generation started collecting cars, it was Baby Boomers who really got it rolling. They fell in love with the Chevrolet Bel Air, the Ford Mustang,...

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Flood Risk: Know Your Exposure

In the wake of recent floods that have devastated homes and communities across the nation, many Americans remain without flood insurance coverage. Even if you think your property is not at risk, take a moment to...

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Heating your home this winter

As we settle into the winter months, what can be cozier than enjoying some time in front of a gently burning fire? According to the U.S. Fire Administration, more than one-third of Americans use fireplaces, wood stoves...

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If it looks too good to be true …

You’ve heard this before: If it looks too good to be true, it’s likely not true. This maxim is particularly applicable when it involves auto insurance. Sometimes, an insurer will give an applicant an amazing premium...

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Thinking about Airbnb? Consider the implications

Millions of people use house/ apartment share services like Airbnb, every year. These services match hosts who are looking to rent their dwelling or room for a short period of time with guests. The majority of the...

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Should A Lawsuit Rain Down, Do You Have Your Umbrella

Lawsuits happen every day. Some are frivolous, while others warrant merit. If you were sued, would you have enough money to cover your attorney’s fees and possible settlements? Most homeowners and automobile policies...

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When You Back Into Your Garage Door, Which Policy Pays for the Damage?

While backing up, you run into the garage door you just installed. Should you submit the claim to your auto or homeowners insurance carrier? Because you own the garage, damage to the door will not be covered by your...

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Condo Unit Owners Additions and Alterations: What is the proper Limit of Coverage?

In order to write a policy with the appropriate Coverage A limit, you must know what the association and unit owners are responsible for insuring. Most Connecticut associations are following the statutory default,...

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Who Should Insure your Engagement Ring?

We know that two conditions must be met in order for a property insurance policy to pay for a loss. Condition 1. Insurable interest in the property is a necessary condition for payment under a contract of indemnity....

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We Are Here For When Life Changes

Have you ever gone through a major change in your life and immediately thought about how it could affect your insurance policies? If you answered no, then you're just like most other people. That's what we're here to...

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Unpack Your Moving Concerns

Here are some things to keep in mind before and after the big move. First, you should be concerned about the things you are moving. You want to protect your stuff-whether you rent or own-so you should have an insurance...

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Is Road Rage Covered By Auto Insurance?

Did you know that road rage incidents are considered intentional acts and are excluded in the personal auto policy? This is because damage to a vehicle from road rage isn’t actually caused by an accident; rather, it’s...

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Why You Might Want to Live Like a Minimalist

Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the...

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New Coverages to Consider When Purchasing Auto Insurance

We think you are going to like some of the new coverages that are making way into personal auto insurance policies in Connecticut. At last, the insurance industry is placing some value on your cats and dogs when they...

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Crumbling Foundation Surcharge

Often, it is said that you cannot build something without having a strong foundation in place. Unfortunately, many homeowners in Connecticut have found out that is not actually the case. Over the past few years,...

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Five Rules For Sharing The Road With Trucks

Certainly, some people are nervous driving around trucks on the road. But if you know how to drive safely around trucks, it might ease your nerves a bit. No. 1: Never pass on the right, and pass quickly. When passing...

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Tree Maintenance is an Important Form of Loss Control

Leaf peepers take long car rides to enjoy the changing seasons with the changing of the leaves-this foliage is enjoyed by people during peak weeks each fall. Trees also can enhance the natural beauty of your property...

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Decisions, Decisions...

. Almost everybody needs guidance when it comes to decisions in life. There are many factors to consider. Decisions lead to change, and change affects many aspects of your life. One of the most overlooked changes that...

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Tips for Avoiding Chimney Fires

As the weather cools down, it is tempting to light a fire for ambience, warmth and roasting marshmallows. If you have a fireplace, here are some tips to avoid costly fire-related homeowners claims: 1. Have your chimney...

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Don’t Be Tricked By Halloween Hazards!!!

Halloween can be a fun-filled time for children and adults alike. This Halloween, be sure to pay attention to certain safety guidelines to keep the trick-or-treaters safe and sound. How can I keep my child’s costume...

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Five Tips to (Finally) Get your Garage Organized

There’s perhaps no organizing task more daunting than the garage-it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss. How...

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