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The Russell Agency, LLC Blog

All You Ever Wanted to Know About Insurance

Hosting a Holiday Party?

If you’re thinking about hosting a holiday party this year, be sure to add safety and common sense to your list. According to the Insurance Information Institute, social host liability-the legal term for the criminal...

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Insuring Your Holiday Gifts

As the holidays approach, information about getting insurance for holiday gifts is available from your professional, independent insurance agent at The Russell Agency. Homeowners and renters insurance can be designed to...

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High-rise residents have unique fire precaution concerns

Fire is a common disaster that can befall any homeowner or apartment dweller. Those who live in a high-rise building, whether in an apartment, co-op or condominium, have unique concerns requiring special precautions....

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Avoid COVID-19 scams

Amid the ongoing COVID-19 pandemic, businesses have fallen prey to scammers who are exploiting public fears by claiming to have legitimate information about the coronavirus. Here are a few ways scammers are taking...

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Teach Your Kids About Insurance

The day will come when your kids will need to buy their own car insurance, renters or homeowners insurance, health insurance, or even business insurance. You can help prepare them by teaching them the importance of...

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We Won't Let You Down

When times get hard, we won’t let you down. We realize that the COVID-19 pandemic has changed your day-to-day life drastically. We want you to know that not everything has changed. We are and always will be right here...

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Insurance and the divorcing couple

According to various studies on American divorce rates, more than 40 percent of marriages end in divorce or annulments. If you and your spouse are going through a similar circumstance, we would like to share with you...

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Keep everyone safe this Halloween

Halloween may be the spookiest night of the year, but it’s important that you follow some important tips to protect yourself from any homeowners insurance gaps that might leave you screaming. 1. The most common...

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Stay Safe and Cool This Summer

When the weather gets hot, sunny and humid, it’s always refreshing to take a dip in the pool. Swimming can be a fun, relaxing way to spend your summer days with family and friends-but it’s important that everyone is...

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Should I Stay or Should I Go? Hurricane Edition

During hurricane season, coastal residents should make it a priority to be prepared for anything. Hurricanes are serious storms that can devastate acres of land- taking wildlife and homes along with it. Many who live...

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Top Ten Insurance Tips for Hurricane Season

2020 is predicted to be an active hurricane season. Don’t be caught unprepared! These steps will help you minimize hurricane damage and get back on your feet if you are struck. Just as hurricanes come in many shapes...

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Windstorm Reminder!!!

June 1 – Nov. 30 is hurricane season. And although the Northeast may not be quite the hurricane mecca that the Gulf coast is, hurricanes and windstorms are still a real threat to homeowners along the eastern seaboard....

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How are hurricanes graded?

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...

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What is a hurricane deductible?

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...

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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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A household inventory—well worth the time

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...

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FAQs on Connecticut’s grace period for insurance premium payments

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...

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Questions that homeowners may have about their property-loss claim following a catastrophic event

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...

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Crime Prevention Begins at Home

I always lock my doors whenI leave my house. What else can I do to prevent abreak-in? Make your home appear occupied. Timers are inexpensive and can be effective at fooling thieves. Use them to turn lamps and radios...

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It might be time to spring clean your insurance

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...

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A household inventory—well worth the time

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...

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Hurricanes and Flood....Oh My!!!

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...

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Windstorm Reminder

June 1 – Nov. 30 is hurricane season. And although the Northeast may not be quite the hurricane mecca that the Gulf coast is, hurricanes and windstorms are still a real threat to homeowners along the eastern seaboard....

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What is the Appropriate Coverage A Limit for a Connecticut Condo Policy?

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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Above Normal Hurricane Season Projected

An atmospheric scientist at Colorado State University, Dr. Phil Klotzbach, has issued an early forecast of 16 named storms, eight hurricanes and four major hurricanes for the year 2020. He predicts an above average...

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When a Bicycle Hits a Car, What Insurance pays?

If your car was hit and damaged by a bicyclist to which policy-household auto or homeowners-should you look to recover for the damage caused by the bicyclist’s negligence? The bicyclist’s homeowners policy. The personal...

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Important News On Insurance Premium Payments for Connecticut

April 2, 2020 Executive order requires 60-day grace period for policyholders unable to pay premiums due to COVID-19 pandemic - As part of Executive Order No. 7S, no insurer may lapse, terminate or otherwise cancel...

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CT Governor Announces 60 Grace Period for Some Insurance Premium Payments

Gov. Ned Lamont announced that there will be a 60-day grace period for property/casualty, and health insurance policyholders unable to pay their premiums due to the impact of COVID-19. During the grace period,...

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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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