Save on CT Home & Auto Insurance for your Indulgences!

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Posted on 26th January 2012 by Alyssa Tyson in Car Insurance CT |CT Home Insurance |CT Insurance

Coffee and Lunch Indulgences inspire to save money on Insurance CTAre your personal here-and-there spending habits getting you in trouble when they’re all added up? Maybe… Yahoo News breaks down some statistics about how Americans’ indulgences add up:

  • U.S. workers spend more than $1000/year on coffee
  • U.S. workers spend about $2000/year on lunch

Men and younger workers are more likely to spend around $5 for a coffee, whereas women and older workers are more reserved.

  • Per week, workers spend about $37
  • Men spend more ($47/week)
  • Women spend about $27/week

The biggest differences are seen when broken down by age:

  • 18 to 34 year old professionals spend around $25/week on coffee
  • Workers over 45 spend around $14/week on coffee

Keep in mind that the money spent on coffee and lunch (around $3000/year) is double the average commuting expense ($1500).  You can probably guess that many of these “youngsters” made a New Year’s resolution to save money by bringing lunch to work this year. Trying to think of more ways to save money? Try talking to your Connecticut insurance agent about bundling your CT Home Insurance and CT Auto Insurance. Agents at Encharter Insurance can save you money in multiple ways; all it takes is a quick phone call! Think of it this way: if you save money on your insurance, maybe you won’t have to cut back on your other indulgences (because I’m with those of you who say that coffee indulgence gets you through the week!)

Photo: delish.com

Is it Time to Try a New City with CT Home Insurance?

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Posted on 19th January 2012 by admin in Connecticut Homeowner's Insurance |CT Home Insurance |CT Insurance

CT Homeowner's Insurance and cities around the world to live inHave you ever thought about getting a real change of scenery? Picking up and moving to a foreign country or another spot of the United States that you haven’t experienced before? Why not check out the world’s 10 best cities to live in…

  • Melbourne, Australia
  • Vienna, Austria
  • Vancouver, Canada (I speak from personal experience when I tell you this city is breathtaking!)
  • Toronto, Canada
  • Calgary, Canada
  • Sydney, Australia
  • Helsinki, Finland
  • Perth, Australia
  • Adelaide, South Australia
  • Auckland, New Zealand

Although these cities look amazing, for the time being, you should enjoy your time in Connecticut. To protect your joys and your memories, talk to your Connecticut insurance agent about the proper insurance for your home. Whether you’ve been in your home for years or you’ve recently moved in, Connecticut Homeowner’s Insurance policies vary. Different homes need different coverages. As years go on, you may need to adjust your CT Home Insurance policy. What better way to find out what you need than to talk to a knowledgeable agent. Encharter Insurance can get you the coverage you need, and maybe some discounts to go along with it. Your dreams don’t have to wait, but don’t wait to protect what you’ve got. Happy traveling!

Photo: wallpaperbase.com

Ways to Make Money & CT Business Insurance

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Posted on 12th January 2012 by admin in Connecticut Business Insurance |CT Insurance

business insurance ct & ways to make moneyThere are many debates about the ups and downs of today’s economy. However, there are many people out there that are still making money. Check out these 15 Crazy Ways People Make Money in Today’s Economy:

  • Virtual Farming – People in China make money by playing an online game. They earn gold and then sell it to other players!
  • Doggles – UV protective doggles started this trend. Now there is a whole line of dog gear!
  • The Million Dollar Homepage – A guy sold one million pixels on his webpage for $1 apiece.
  • WhateverLife – A teenage girl offered various layouts for MySpace, as well as free tutorials.
  • MyYearbook – Simple: an online yearbook on social networking sites.
  • Cameron Johnson – At 9 years old, he created greeting cards. At 12 years old, he resold TY Beanie Babies on eBay. He has gone on to various other business ventures.
  • LuckyWishbone – The company manufactures and sells plastic wishbones.
  • Steve Pavlina – He writes on his blog about life hacks.
  • Hungry Pod – One women has made thousands by loading music onto people’s iPods.
  • Antenna Balls – You’ve probably seen the things on top of some people’s car antennas. Someone made millions.
  • The Laser Monks – Refills for ink cartridges save you money and save the environment.
  • I Do Now I Don’t – One man is successful after getting dumped by his fiancé, and has created a site to help other men who are stuck with engagement rings.
  • SantaMail – Parents send $10 to this company for a letter to their kids from “Santa.”
  • Amazing Butterflies – He sells butterflies and makes millions. By the way, it all started from a bet!
  • FitDeck – Playing cards which feature fitness workouts from Phil Black’s experience as a Navy SEAL and a trainer.

Whether your business is as creative as this, or if it’s a little more standard, everyone needs business insurance. Talk to your Connecticut Insurance agent about Connecticut Business Insurance. Agents can get you set up with all of the various insurance coverage needs that your business requires. Questions? Agents at Encharter Insurance are knowledgeable in commercial line insurance. Based on the success of others, have your friends put you up to a bet, or roll out of bed and make one of your spontaneous dreams come true. Hey, these people had some good luck!

Photo: financialhighway.com

2012 Super Bowl & CT Insurance

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Posted on 5th January 2012 by admin in Car Insurance CT |Connecticut Car Insurance |Connecticut Homeowner's Insurance |CT Car Insurance |CT Insurance

CT Insurance and the 2012 Super BowlThe regular NFL season is over and we’re starting the playoffs to the Super Bowl. Is your team in the Super Bowl? Who do you want to win the whole thing? Will you be tuning in for the Super Bowl party on February 4th? Four popular bands – Cobra Starship, LMFAO, Lupe Fiasco and Gym Class Heroes – will be performing in Indianapolis, just a few blocks away from Lucas Oil Stadium. Each group will perform for 45 minute blocks of time the night before the actual Super Bowl. Not familiar with the groups? LMFAO currently has the Number 1 and Number 9 songs on Billboard’s Hot 100: “Sexy and I Know It” and “Party Rock Anthem.” In the past, Gym Class Heroes has held two Number 1 spots, and has a more recent hit, “You Make Me Feel.” Lupe Fiasco is known for their Grammy nominations for best rap song, best rap performance and best rap album. The Super Bowl party will run from 8:30pm to 2am, and tickets can be purchased for $1000 each at www.rollingstonerockweekend.com.

For those of you who are traveling to attend the big event, or having people at your home for your own (cheaper) fun, make sure your Connecticut Insurance is keeping up with you. Expert agents at Encharter Insurance can advise you towards the appropriate coverage, and save you money while they’re at it! Don’t get stuck on the side of the road on your way to the Lucas Oil Stadium without CT Auto Insurance. Don’t get stuck with liability charges beyond your CT Home Insurance coverage during an out-of-hand Super Bowl party in your home. Get ready for the thrills of the next month!

Photo: organizesimplifyconnect.com

The Gift of CT Pet Protection & CT Insurance

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Posted on 29th December 2011 by admin in Connecticut Car Insurance

CT Insurance for adopting a pet & pet protectionBring in the New Year with your furry friend! No furry friend yet?? WTNH.com has the Pet of the Week each week showing pets that are in need of a loving home. This week they have 6-month-old Bijoux, a mixed-bred female who was abandoned.

If you’re traveling with your pet during the holidays or throughout the year, make sure that you talk to your Connecticut insurance agent about pet protection! Coverage can be added onto your CT Car Insurance. You can also talk to your CT insurance agent about a Connecticut Umbrella Policy for liability coverage for your pet. Just because pets have fur and four legs does not mean they’re not part of the family. Make sure you are protecting everyone! Friendly agents at Encharter Insurance can advise you as to what coverage you need should your pet need veterinary care. We can find you coverage for your policy. Most insurance companies cover up to $500 of expenses associated with a pet’s accident. Give your pet the gift of Connecticut insurance for 2012!

Photo: petanim.com

Last Minute Shopping & CT Auto Insurance

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Posted on 22nd December 2011 by admin in Car Insurance CT |Connecticut Car Insurance |CT Car Insurance |CT Insurance

CT Auto Insurance protecting last minute Christmas shoppingIf you’re a last minute shopper like me, you probably haven’t gotten something for everyone on your list yet. The good news is that you still have two and a half days, and you have these great shopping tips from personal shoppers to handle last-minute shopping!

  • Make a plan. You don’t make good decisions if you do not know what you are planning to buy, not this late in the game anyway. Write down everyone you need to shop for and keep a list of what you’ve bought for them for years to come.
  • Wait until December 24th. At this point, the majority of people have finished their shopping, including many procrastinators. Stores are not as crazy on Christmas Eve. If you do encounter long lines in department stores, go to men’s or home departments. You should also note that stores usually close early on this day.
  • Give gifts that disappear. Consumable gifts such as food or wine are appreciated by most people, and they can be inexpensive and thoughtful as well. Since people often don’t have the room to put new trinkets, giving them something that goes away is appreciated.
  • Give experiences or services. You can make up your own gift certificates for various chores that you could do for the person, such as babysitting or housecleaning. You can also give the person the option to choose the play or restaurant he or she wants to go to. This way, you can avoid stores completely and the person really gets what he or she wants!
  • Shop in your own home. There are limits to regifting, but perhaps a piece of clothing that you’ve never worn would look better on someone else you know. Children often get excited at being able to pick something out of your house as well.
  • Avoid department stores. This late in the game, department stores are usually cleaned out. Most likely, you will spend more time looking for stuff and find less than you need. Smaller boutiques have shorter lines and usually get new stuff in more frequently.
  • Skip clothing. When you’re rushed and don’t have a lot of options, you’re more likely to purchase something that the other person will not like.
  • Embrace gift cards. You can make it more exciting by getting something to put the gift card into. For example, stick a coffee shop gift card into a coffee mug. You can also get gift cards online (note: no stores)!
  • Pare your list. Perhaps you and your friends decide to go out to dinner together instead of buy each other gifts. However, make sure that the people you are taking off your list are on board;  you certainly do not want to lose friends!

During the holidays, it’s important to make sure that your Connecticut insurance is ready for all the hustle and bustle. While frantically driving around trying to get your last minute gifts, you want to be protected from the other worried drivers doing the same. Talk to your CT insurance agent about the Connecticut Auto Insurance that is right for you. Agents at Encharter Insurance can get you local service and free quotes on CT insurance policies. Happy shopping and enjoy the holidays!

Photo: onlinebusiness.volusion.com

CT Insurance Can Protect You From Burglaries

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Posted on 15th December 2011 by admin in Connecticut Homeowner's Insurance |CT Home Insurance

Home Invasions need CT InsuranceWho wants to come home to their house a mess and missing some of their most valuable possessions? In the past few months, there have been numerous burglaries in the Naugatuck Valley. In Seymour alone, there have been 10, three of which took place on Tuesday. The thieves have been targeting the residents’ cash, jewelry and electronics.

As if the experience of realizing you have been robbed isn’t bad enough, what happens if you don’t have the proper insurance coverage? Your CT Homeowner’s Insurance covers your personal possessions, but only up to a set limit. So how can you protect yourself in the future?

Talk to your Connecticut insurance agent about your limits on your Home Insurance CT policy. Ask them about how to protect your other valuables from unfortunate circumstances such as robbery. Agents at Encharter Insurance do not want to see your valuables lost forever. With free quotes and expert service, you’ll find yourself experiencing exceptional service and saving money! Don’t wait until it’s too late to get your valuables protected.

Photo: securitybase.com

Leaky Roof? There’s CT Home Insurance for That!

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Posted on 8th December 2011 by admin in Connecticut Homeowner's Insurance |Connecticut Umbrella Insurance |CT Home Insurance |CT Insurance |Umbrella Insurance CT

CT Home Insurance protects your homeWhat happens when your working roof suddenly becomes leaky? What if that’s just the beginning of your problems? A Connecticut woman hired a contractor who has practically destroyed her home. There is no longer water in her sink and her toilets no longer work. At night, since her home does not hold heat, she only heats it for 20 minutes at a time when it gets really cold. Her basement has water on the walls and on the floor. Where is it coming from? Not the roof, but her toilet! For this poor women, a lawyer is probably necessary. But what about the rest of you who aren’t experiencing problems…yet?

If your home is leaking and causing damage, your Connecticut Homeowner’s Insurance policy should be able to cover your damages. Your personal possessions are also covered up to a set limit. Your Connecticut insurance agent should be able to walk you through the details of your policy and help you decide whether more coverage is necessary. With winter around the corner, you certainly don’t want melted snow leaking into your home! On top of your CT Home Insurance, you can ask your CT insurance agent about a Connecticut Umbrella Insurance policy to provide extra coverage for that day when you need it most! You never want to get caught with a broken home. Keep you, your family and your home protected with Connecticut Home Insurance. Talk to a CT insurance agent at Encharter Insurance to get all of your questions answered.

Photo: cartoonstock.com

CT Boat Insurance Covering December Boaters

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Posted on 2nd December 2011 by admin in Connecticut Boat Insurance |CT Boat Insurance

CT Boat Insurance protecting December boatersMost recreational boaters know they shouldn’t be traveling in rainy, windy weather, but an unidentified boater traveling between two points off Long Island was rescued early Wednesday morning when he called the Coast Guard to report his chest pains and his boat taking on water. While riding out to rescue the man, the Coast Guard went through the same rough seas which had four-foot waves and a 20-knot wind. The heavy winds made it difficult to locate the man’s boat. His 24-foot sailboat, “Freedom,” was rescued and is docked in Connecticut awaiting a commercial tow.

With the nice weather that we’ve been having, you may still want to take your boat for a few rides before putting it away for the winter. Be sure that your Connecticut Watercraft Insurance is up-to-date and ready for your adventures. You should be covered for liability, medical payments and physical damage. Connecticut insurance agents at Encharter Insurance can make your next ride completely carefree so you can enjoy the last few nice days of the year (in December)! Talk to your CT insurance agent about CT Boat Insurance coverage during the winter months! You may not need to pay as much!

Photo: askmissa.com

Gift Puppies & Your CT Home Insurance

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Posted on 22nd November 2011 by admin in CT Home Insurance

Home Insurance Connecticut

Courtesy of 1Funny.com

This time of year comes around and we’re all scrambling to find the perfect gifts. Let’s be honest, though…what’s better than giving a puppy? It’s like you’d be wrapping up loyalty, friendship and love in a package only it would be exploding with cuteness!

Before you go off and find that little dog that will certainly steal your heart and the heart of your family, have you considered your current CT Home Insurance policy?

As adorable and loving as your pup may be with your family, it does present its own liability risks.  What if your dog should become aggressive and attack a neighbor or friend? You would be liable for any damage caused by your dog and it won’t matter how loving you think he is with the family. Are your current liability limits enough to protect you from the losses of a potential lawsuit?

While you’re having an insurance expert at Encharter Insurance review your current CT Homeowners Insurance policy, it would be a good idea to talk to them about the newest four-legged member of your family and about additional liability coverage in the form of a CT Umbrella Insurance policy.

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