Auto Insurance: Comprehensive vs. Collision Coverage – What’s Best for You?

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When it comes to auto insurance, understanding the different types of coverage can be a daunting task. Two of the most common types of coverage are comprehensive and collision. But what do these terms mean, and which one is right for you? At Noble Insurance in Rocky Hill, CT, we’re here to help you navigate these questions.

Understanding Comprehensive Coverage

Comprehensive coverage is designed to protect your vehicle from damage that isn’t caused by a collision. This includes events such as theft, vandalism, fire, natural disasters, and damage from animals. If you live in an area with a high risk of these events, such as Rocky Hill, CT, comprehensive coverage can provide valuable protection.

Understanding Collision Coverage

Collision coverage, on the other hand, is designed to cover damage to your vehicle that occurs as a result of a collision, whether with another vehicle or an object like a tree or guardrail. If you frequently drive in high-traffic areas or have a long commute, collision coverage can be a wise investment.

Choosing the Right Coverage with Noble Insurance

At Noble Insurance in Rocky Hill, CT, we understand that every driver’s needs are unique. Our experienced team can help you assess your risks and choose the coverage that best fits your needs and budget. Whether you need comprehensive, collision, or both, we’re here to help you make an informed decision.

Get a Quote Today

Don’t leave your vehicle unprotected. Contact us today to learn more about comprehensive and collision coverage and get a quote that’s tailored to your needs.

What is Errors and Omissions Insurance?

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Does your Rocky Hill, CT business offer financial or health services? Do you work in an industry with a high incidence of lawsuits? If so, you’ll want to consider seriously purchasing an errors and omissions insurance policy.

What is Errors and Omissions Insurance?

Errors and Omissions insurance covers legal expenses and the cost of paying for a settlement or judgment if your business is sued for negligence. Claims could be related to an employee’s mistake, inaccurate or insufficient advice to a client, or failure to provide promised results. It also provides coverage if you fail to meet a deadline and are unable to fulfill the terms of your contract. For example, if you have a home inspection firm and a former client accuses you of missing structural damage in a home you were hired to inspect, your policy will pay out compensation regardless of whether you made a mistake or the damage occurred after your inspection. 

What’s Not Covered by Errors and Omissions Insurance?

Errors and omissions insurance is designed to meet the needs of service-oriented businesses. Thus, it doesn’t cover property damage, bodily injury, or workplace injury claims. For example, if one of your workers has an accident because you didn’t adhere to OSHA guidelines, you can’t claim errors and omissions insurance compensation. 

Get Help from Noble Insurance

Noble Insurance offers errors and omissions insurance, as well as other commercial insurance coverage options, to Rocky Hill, CT, business owners from all industries. Contact us to learn more about coverage options and get expert advice on picking policies that will meet your company’s needs.

Home Insurance FAQs

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When it is time to get home insurance, it is vital to know the right questions to ask to ensure the proper coverage. At Noble Insurance in Rocky Hill, CT, we provide the personal service that our customers require. 

Home Insurance FAQs

How much liability insurance is enough?

How much liability insurance you need depends on how many assets you have and how much risk. If you have a trampoline or a swimming pool and are a big entertainer, having extra liability coverage is a good idea. Having a lot of assets raises your risk level, so increasing liability coverage and maybe even getting an umbrella policy makes good sense. 

Will home insurance cover my jewelry?

Home insurance does cover jewelry, but it has a relatively low limit. If you have some nice pieces of jewelry, get an appraisal and consider a jewelry rider for your policy. 

Am I covered for theft when I take my possessions away from home?

Yes, you are. You are covered for items you may have in your vehicle, on a plane, in a hotel, or anywhere else you may travel away from home. 

Does home insurance cover a dog?

Most dogs are covered, but certain breeds are excluded. If you have a dog, talk to your insurance agent to make sure you don’t have an excluded breed. 

What isn’t covered by home insurance?

Home insurance has exclusions. These include earth movement, floods, owner neglect, pest or rodent infestation, sewer backup, and certain dog breeds. Some of these exclusions can be covered by adding a rider to your policy or by buying an additional policy. 

Noble Insurance is Here To Help!

Contact Noble Insurance in Rocky Hill, CT, for help choosing the right home insurance.