These Are Our Reasons For Life Insurance..What Are Yours?

February 27, 2014 Posted in: Insurance News 0 Comments

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Our agency employees explored reasons why THEY have life insurance:

  • because death is a part of life
  • because life/death happens when you are making plans for something else
  • peace of mind
  • I would feel like an irresponsible parent/spouse without it

Collene DeAngelis, Claims Manager at Chittenden Group

  • it’s smart and the right thing to do
  • it’s inexpensive
  • it’s the only insurance you WILL use
  • protection for loved ones

Pedro Pires, Vice President at Chittenden Group

  • to protect my family
  • less worry knowing my wife and children will be okay should something happen to me

Joseph Ferry Jr., Sr. Vice President at Chittenden Group

  • I have life insurance to protect my family financially if something untimely happens to me

Kris Stella, COO at Chittenden Group

  • If I am no longer in the picture I want to make sure my plans are completed. I want my family to live a comfortable life, I want my debts paid and I want my children educated.

Terry Barber, President at Chittenden Group

  • I use my whole life policy as both an investment tool as well as an investment tool. If I need cash in an emergency situation, my whole life policy is growing in cash value, plus I get the insurance benefit as well.

David Pires, Account Executive at Chittenden Group

What are some reasons why life insurance is important to you?

If you have questions on life insurance or want to receive a quote please don’t hesitate to contact Chittenden Group

Chittenden Group Phone: 203-723-7447 Email: info@chittendengroup.com

Tips for Ice Dam Removal

February 19, 2014 Posted in: Insurance News 0 Comments

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An ice dam can cause serious damage to your roof and the inside of your home! Follow some of these immediate action steps to prevent damage:

  • Remove snow from your roof after every storm. A good rule of thumb is if there is more than a foot of heavy, wet snow and ice on your roof you should try to have it removed.
  • Clear Downspots. This makes it possible for your gutters to drain when snow melts and it also helps prevent flooding.

For more information, read the full article here: https://www.travelers.com/prepare-prevent/mother-nature/winter-storm-safety/ice-dam-removal.aspx

 

*All information provided by Travelers Insurance

Chittenden Group represents Travelers, if you would like a quote please contact us: info@chittendengroup.com or 203-723-7447.

 

Receive New Jewelry for Valentine’s Day? Protect It

February 18, 2014 Posted in: Insurance News 0 Comments

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Ah, Valentine’s Day was Friday, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say “Be Mine” – and, of course, jewelry.

It’s exciting to receive jewelry from a loved one — or to give it as a gift. Not to mention romantic. But if you’re lucky enough to have some new jewelry in your home this Valentine’s Day, you should take a few minutes to think about something you probably don’t find exciting or romantic: insurance.

Don’t know where to turn? Don’t worry. At Chittenden Group, we think it is exciting to help our customers protect what’s most important to them — so we’re ready to help and can answer all of your questions.

Things to consider when insuring jewelry:

You may need to purchase additional coverage. Your homeowners policy covers valuable items such as jewelry only up to set amounts. If the cost of replacing your jewelry exceeds that limit, you will want to purchase scheduled personal property coverage. You can check your policy or give us a call at 203-723-7447.

You might want to reconsider your deductible amounts. As always, this impacts your policy premium. It’s a good idea to take a look at your deductibles whenever you make a change to your policy.

Do you need an appraisal? You may need to have an independent appraisal if the insurance company requires it or if you don’t know the value of your jewelry. Each item should be listed with a description and value on paper.

What kind of coverage is offered? You’ll want to determine if items are covered no matter where they are, whether they’re in Naugatuck, Southington, Greenich or on an international trip, and if the policy offers full replacement cost. You also should ask if you will be required to replace your jewelry if lost or stolen, or if you can simply keep the cash settlement.

Pictures can be helpful. Lost or stolen pieces of jewelry sometimes can be recreated if the jeweler has a good photograph to work from.

Should I go with a company that specializes in jewelry insurance? There are companies that specialize in jewelry insurance. Whether you choose one of these, or a company that we represent, you’ll want to make sure they are reputable and stable.

Is the value of your jewelry mainly sentimental? Is an item irreplaceable? If the answer to either of these questions is “yes,” you might consider foregoing insurance. But please, talk to us at 203-723-7447 before making that decision. That’s what we’re here for.

Of course, it’s important to store your jewelry securely when it’s not in use; a safe in your home or a safe-deposit box is best. We want your jewelry to be replaced if it’s lost or stolen, but we’d rather your sentimental and valuable pieces stay with you and your family for years to come.

Here’s hoping your Valentine’s Day was full of fun and romance. And if there’s no jewelry involved, well, there’s always next year!

Contact Us!

For further questions and assistance, please contact Chittenden Group at 203-723-7447 or info@chittendengroup.com

Content provided by Safeco Insurance

I Rest Peacefully Knowing Our Health Care Plan Is In The Hands Of The Chittenden Group

August 13, 2013 Posted in: Testimonials 0 Comments

My company has been in business for over 28 years and I value many of the relationships I have with both customers and vendors.  I must say that the level of service we get from the Chittenden Group far exceeds my expectations.  With health care costs on the rise and a major dilemma now for many companies I rest peacefully knowing our health care plan is in the hands of the Chittenden Group.  Elaine Sigel is a professional and personally deals with all our employees and their needs. Their great service has also lead us to using them for our 401K work as well as I use them on all my personal insurance.

-Ray Cappella, President

JRC Transportation

Test Your Boating Knowledge With This Quiz from Safeco!

July 30, 2013 Posted in: Insurance News 0 Comments

Texting and Driving

June 6, 2013 Posted in: Insurance News 0 Comments

 

LOOK OUT!

 

texting and driving

I’ve read many reports on the dangers of texting or being on the phone wile driving over the past few years. For example, about 6,000 deaths and a half a million injuries are caused by distracted drivers every year. A couple of weeks ago I nearly became part of that statistic. I was driving, and my wife Shannon was in the passenger seat and my two sons Mason and Ethan were in the back. It was a gray drizzly day out and we were just cruising along when my wife mentioned that she liked a fence that was in the yard of a house we were driving by. As I glanced over to look at it my wife had just turned her attention back to the road and gasped! When I quickly looked ahead there was a car that had drifted into our lane about to hit me head-on the drivers side! I had only a split second to cut the wheel to avoid getting hit. The car came so close to hitting us that I felt the rush of wind come through my windows as the car blew by us. Needless to say it scared the daylights out of all of us. It happened so quickly and was mostly a blur, but one thing I remember when I cut the wheel was the kid driver looking down at his phone similar to the photo above. When we calmed down I remember saying to my wife that there has got to be an App out that can stop people from texting or using the phone while driving. There was probably some additional options available, but I did a little research and asked some friends and here is what I’ve found to be some of the more popular Apps.

Canary: This app for iOS and Android devices lets parents see their child’s cell phone use in real time, so they know if it’s being sued while driving more than 12 mph. It also records time when the cell phone was used, and notifies parents if the teen disables it. Canary requires a paid subscription after a trial period.

DriveMode: This free Android and Blackberry app for AT&T customers automatically launches when the car is moving at more than 25 mph, responding to all incoming texts and emails, letting the sender know that the recipient is driving and will get back to them soon. Beeps are temporarily disabled and calls are sent directly to voicemail.

iGuardian Teen: This free Android app gives parents the full virtual picture of what their teen is doing in the car, including monitoring the speed they are driving, the distance they travel and their phone usage.

TextBuster: This system requires that you install a hardware device into your teen’s car. The password protected app notifies the hardware every time your teen gets in the car, temporarily disabling text messaging, email and Internet access while the car is moving. However, it does allow the phone to make and receive calls, as well as use GPS functions. The system costs just under $200.

Textecution: This $30 Android app cuts off texting ability if the device is moving faster than 10 mph. Passengers can request an override but it has to be allowed by an “administrator” who, like the Canary parent, gets notified if the teen tries to disable it. Loading this app can be complicated and requires you turn off some of the security features in your phone.

Lastly, I do want to point out that it’s not just teens. I see people of all ages all the time on the road either looking down at their phones or with a phone to their ear. Admittedly, I do it too sometimes, but never when my kids are in the car with me. My kids do not drive yet, but when they do I don’t want them to think back and say, “Hey, Dad texts all the time when he’s in the car so I can too, it’s no big deal” Because the reality is that it is a very big deal.

I hope you found this helpful!

Best,

Pedro Lopes

Help Laurie Yelding, named Safeco Community Hero, get $10,000 more for United Way of Naugatuck and Beacon Falls, Inc.

May 16, 2013 Posted in: Insurance News 0 Comments

 

 

VOTE NOW

 

Help United Way of Naugatuck and Beacon Falls, Inc. get $10,000 more from Safeco Insurance

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Laurie Yelding has been named a Safeco® Community Hero and United Way of Naugatuck and Beacon Falls will be receiving a $5,000 donation from Safeco Insurance on her behalf. Now we have a chance at an additional $10,000 grant if Laurie Yelding is named America’s Favorite Safeco Community Hero!

All we need is your vote!

You can vote once every 24 hours until 1PM EDT June 3, 2013

click here to vote

Thank you for your support!

 

Is Your Car Insurance Risky Business?

April 25, 2013 Posted in: Auto Insurance Tips & News, Insurance News, Personal Lines 0 Comments

Do you know the difference between a standard or preferred policy versus a nonstandard policy?

Most people don’t.

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I run into several situations with clients who are switching to us, who did not realize they had a nonstandard policy. A standard or preferred policy is for average drivers with decent driving record and credit scores. A nonstandard policy is for risky drivers, those that have a lot of speeding tickets or have a younger driver, a lot of specialty cars are also covered under nonstandard policies. Nonstandard policies are not bad, but sometimes they can have a lot of exclusions, that can put you at a disadvantage.

A lot of times when people get insurance policies they assume that all policies are the same, which is not always the case. Sometimes you will find a policy that is a good rate, for the same coverage’s as a policy with a higher rate. However, sometimes the policy exclusions or coverage’s are overlooked and may be different.

Nonstandard car insurance accounts for about a fifth of the private passenger auto insurance market according to industry analyst Conning & Co. Because most of these policies are geared toward risky drivers or those with specialty vehicles the exclusions and what is covered may be listed.

Some common things to look out for, first the step down provisions. If you have a risky younger driver, your policy may have full coverage for you and partial coverage if they are driving or if you lend your car out to someone other than you to use. Another thing to look out for is depreciation, if your car is in an accident or even going for repairs they will take into account depreciation, so you will only get a percent of the full cost to replace or repair something. A third thing to look out for is excluded liability and physical coverage if you use your car for business in any way. For example, if you decide to take a part time job delivering pizza or newspapers, this would be considered using your car for business, even if your car is your own. Finally if you have a specialty car, they may have a cap for how much mileage you can have that they cover.

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Concerned? Here are some things you can do:

  • Ask your agent/CSR whether you fall into the category of nonstandard
  • Explain to your agent/CSR how you plan to use the vehicle and who will drive the car
  • Read your full policy to learn what is covered and what is excluded
  • Ask any questions you might have to make sure you understand how the rules apply before you need to make a claim

The bottom line is to be aware of your coverage’s, and make sure that you are comparing apples to apples and getting the same or better coverage’s. We at the Chittenden Group, always try to make sure our customers are fully covered and aware of what their coverage’s entail. If you have any questions, feel free to call or speak with Dawn or Liz, your Chittenden Customer Service Representatives.

 

Your Friends at the Chittenden Group,

Personal Lines

Piece of Mind and Responsive Service

April 17, 2013 Posted in: Testimonials 0 Comments

 

The Chittenden Group has given us peace of mind and exceptional service when it comes to our business insurance needs.  They were able to better meet our needs than we thought possible.  Their friendly and knowledgeable staff is wonderful to work with and always exceed our expectations.  Service and timeliness as well as quality service are very important to us.   Knowing we can trust that something has been done to completion without double checking is the most important.  The Chittenden Group has given us that piece of mind and responsive service. We couldn’t be more pleased!

 

Dina Palmese

Vice-President

EDCO Engineering Inc

Pedro Pires Participation in St.Baldrick’s Team Brent “shave-a-thon” in Fairfield

March 28, 2013 Posted in: Insurance News 0 Comments

On March 3rd, Pedro our Vice President at Chittenden and several others gathered for the St. Baldrick’s Team Brent “shave-a-thon” in Fairfield. Participants shave their heads in exchange for donations toward cures for childhood cancers. The event day raised $125,000 and Pedro’s team raised $5,000. According to their website, St. Baldrick events like Team Brent fund more childhood cancer research grants than any organization besides the US government.

Photo courtesy of Heidi Curran Photographyst baldrick event