"Locally owned & operated insurance agency in Stratford CT since 1949."

Our mission is to provide a broad range of insurance products that meet the very needs of our customers. Whether it be insurance for your business or personal insurance needs such as home and auto insurance, umbrella or life and health insurance, we can coordinate coverage and offer excellent value.

Get an Insurance Quote

Enjoy the “Scott Guarantee”!

You will receive an instant online quote as well as a followup call.

 

We will shop your information with our preferred insurance carriers and call you back to review the Best Price Available.

Money Saving Tips

Here are 11 great ways to save money

 

  1.  Mind Your Credit Score!
    Did  you know you have an Insurance Credit Score??? This score is similar to your credit Score. Just like your loan creditors, insurers love to see long term stability, responsible use of credit and keeping balances low, if you have been impacted by a negative credit history in the past, improvements in your FICO credit score will mean lower insurance premiums in the future.

File an Insurance Claim

Enjoy the “Scott Review”

Before filing a claim, call our office to review your loss with one of our seasoned agents! We will advise you as to the best course of action!

 

When you speak with us, you’ll see why our clients appreciate our individual attention and care!

New Long-Term Care Hybrids

Posted on Jun 12, 2014 in Life Insurance

Hospital room interior

Long Term Care

As insurers endeavor to make long-term care policies more affordable, some are developing new products that combine long-term care insurance with life insurance. These life insurance hybrids require an investment in a lump sum or payment of premiums for ten years, after which the insured receives either long-term care payouts or their heirs receive a death benefit. For instance, a 60-year-old would invest $50,000 and, in turn, could receive payouts of up to $216,000 (up to $3,000 per month for six or more years) for long-term care in a nursing home or assisted living facility or at home. If he or she were to die before long-term care is needed, his or her heirs would receive a $72,000 benefit.

NOTE: In the insurance hybrid mentioned above, funds used for long-term care reduce the death benefit to heirs.

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A Gathering Storm?

Posted on Jun 3, 2014 in Coverage News

Dark storm clouds

 

Whether or not you agree with the data-gathering practices of the government and private and publicly held companies, there is no doubting the fact that various entities want to know as much about us as possible. Insurance companies, of course, feed on data that helps them assess risk. For example, the more auto insurers know about drivers’ specific behaviors, the better they are able to properly price premiums. Even now, some auto insurance companies are collecting data about driving habits by analyzing the data collected by sensors in policyholders’ vehicles. These sensors are able to record information about what routes are driven, the number of miles driven, the time of day, speed, and braking patterns. Call it “custom risk assessment.”

NOTE: By comparing the driving data of one person with statistical information of similar drivers on similar routes and similar times, insurance companies may be able to tell if a chosen driver is an above- or below-average risk, and charge accordingly.

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Make Yourself Right At Home

Posted on May 21, 2014 in Home Insurance

A perfect neighborhood. Houses in suburb at Spring in the north

Purchasing Homeowners Insurance

When purchasing homeowners insurance, it is important to concentrate on the physical dwelling. More than your possessions, living expenses, and liability, your primary focus should be purchasing sufficient coverage to replace your home in the event of a named peril. When calculating the coverage amount, do not base it on your home’s appraised value, which includes land costs. Instead, use the current per-square-foot replacement costs in your area, which can be provided by the local homebuilders association. In light of recent catastrophic events, which may lead to inflated labor and material costs, consider extended or guaranteed replacement policies if you live in a disaster-prone area. It is also important to know what perils are included in your policy.

NOTE: Standard homeowners policies exclude damage resulting from earthquakes and landslides as well as flooding.

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