Personal Umbrella Liability Insurance   What is a personal umbrella policy? Sometimes liability claims occur that may exceed the limits of your underlying insurance policies due to your family’s activities, use of your home, or more often than not, car accidents. Your umbrella policy is an additional layer...

Flood Insurance FAQs   Roughly 40% of US residents live in shoreline communities, the overwhelming majority of which have some form of homeowner’s insurance. Unfortunately, homeowner’s insurance (also known as Hazard insurance) does not cover damage from flooding. So in 1968, Congress created the National Flood Insurance...

Watercraft Insurance FAQs   Much like auto insurance, boat insurance covers your boat or yacht for liability and physical damage. In addition, you can also purchase coverage for medical payments, personal property (including fishing equipment), towing, trailer, and uninsured boater coverage. Losses on boat policies are typically...

Valuable Articles Insurance   What is Valuable Article Insurance? Valuable article insurance is either an endorsement to a homeowner’s insurance policy or a separate policy designed to provide the broadest level of coverage for valuable items such as jewelry, furs, silver, fine arts and more. Itemized valuable article...

Inland Marine Insurance & Ocean Marine Coverage   What is Inland Marine/Contractor’s Equipment Insurance? Contractor’s equipment insurance is designed to cover damaged or missing contracting equipment. Contractors insurance policies can extend beyond covering equipment; it can also cover small tools, employees’ equipment, such as large machinery, and borrowed...

A guide to Tesla insurance by Daigle & Travers, Darien, Connecticut (203) 655-6974   According to the Highway Loss Data Institute, insurance premiums for Tesla owners could potentially go up 30 percent. This is because drivers of Teslas have submitted 46 percent more claims on average than...

There are many different beliefs when it comes to insuring a rented dwelling. A majority of tenants believe that they are covered under their landlord’s insurance policies. However, this is not the case. According to the Insurance Information Institution, only 37% of renters buy renters...

A Guide to Boat Insurance by Daigle & Travers, Darien, Connecticut (203) 655-6974 Every year there are thousands of boating accidents. These accidents occur due to going too fast, poor weather conditions, driving under the influence of drugs or alcohol, not adhering to marine rules and...