The Wright Choice Insurance Group LLC
Our goal is to help you secure broad coverage by analyzing and working with you to meet your insurance needs.
We would be happy to help you learn more about your insurance options.
We are a firm of proven professional and caring, conscientious people; the kind of people you can depend on.
Homeowners insurance provides you with financial protection in the event of a disaster or accident involving your home.
Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.
Auto insurance provides coverage for:
Your landlord may have insurance to protect the building you are living in. But your landlord’s policy won’t replace your personal possessions or pay for your living expenses while the building is being repaired.
The only way to protect yourself financially against disasters is to buy a renters insurance policy.
Renters insurance, sometimes referred to as tenants insurance, includes three basic types of protection:
Your standard auto insurance or homeowners insurance will provide you with some liability coverage. If you are sued, those policies will pay up to your policy limits for legal judgments against you, as well as the related attorney’s fees.
However, in our litigious society when a lawsuit settlement could very well wipe out your financial assets, you may want the extra protection for your assets that a personal umbrella liability policy provides.
An umbrella policy kicks in when you reach the limit on the underlying liability coverage in an auto, homeowners, renters or co-op / condo policy. It will also cover you for additional types of claims, such as libel and slander.
Because the personal umbrella policy pays out after the underlying coverage is exhausted, most insurers will want you to have about $250,000 of liability insurance on your auto policy and $300,000 of liability insurance on your homeowners policy before they will sell you an umbrella policy.
A standard homeowners policy includes coverage for jewelry and other precious items such as watches and furs. These items are covered for losses caused by all the perils included in your policy such as fire, windstorm, theft and vandalism.
However, there are special limits of liability for certain valuable items, such as the theft of jewelry. To keep coverage affordable, because jewelry can be easily stolen, the standard policy has a relatively low limit of liability for theft—generally about $1,500. This means that the insurer will not pay more than the amount specified in the policy for any given piece of jewelry or other valuable item.
If you own valuable jewelry, furs, collectibles or other items that would be difficult to replace, there are two ways you can increase coverage:
Monday- Friday: 9-5pm
The Wright Choice Insurance Group, LLC
In partnership with George Lundberg Insurance Agency, LLC
326 Route 87 Suite B3
Columbia, CT 06237
Fax: 860-498-1122