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The Russell Agency, LLC Blog

All You Ever Wanted to Know About Insurance

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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Employee or independent contractor?

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....

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How does my auto insurance react to pothole damage?

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...

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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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