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Understanding Motorcycle Insurance

If you own a motorcycle then you need to have motorcycle insurance.  Though they offer similar types of coverage, it differs from auto insurance as auto insurance helps to protect cars and motorcycle insurance helps protect motorcycles.  They are not interchangeable. What is motorcycle insurance? Motorcycle insurance is financial protection in case you get into an accident or something happens... Read More

Insurance After the Wedding

The big day has come and gone but the happily ever after has just begun! You may think that planning the wedding was the worst of your stress, but there is still a lot to address afterwards. Once you are unpacked from the honeymoon, there are changes you will need to make, especially if you have a new last name or... Read More

Back to School Business Insurance Needs

Going back to school is an exciting time for students, parents, and business owners.  When this time of year approaches, it is a good idea to reevaluate your commercial lines policies and make sure you have adequate coverage. for your business.  While it is always crucial as a business owner to have the right coverage for your business, this time of year can be... Read More

Business Insurance for Weddings

Wedding season isn't just an exciting time for brides and grooms; it can also be an exciting and profitable time for businesses. There are popular venues such as hotels, function halls, and restaurants that are pretty well versed in hosting weddings, but it’s more and more common for brides to aim for unique locations these days. If you are the... Read More

How to Have a Fun and Affordable Staycation

Staycations have recently become a popular vacation alternative.  The idea that a vacation doesn’t necessarily mean traveling far isn’t new.  But for people wanting to save money, staycations are an attractive option. There are plenty of things to do with the family that are free or inexpensive. Hiking Hiking is a great staycation activity.  Not only will it get the... Read More

I’m Having a Pool Party…Now What?

Are you kicking this weekend off with a pool party? Forecast is predicting some pretty high temperatures; you might as well enjoy that sunshine because in Connecticut you never know what the weather will be. Whether you are planning for this weekend or looking ahead to a Father’s Day weekend cookout, make sure you have the coverage you need for... Read More

How to Buy the Best and Safest Car

If you’re shopping for a car for college there are three main considerations to take into account before purchasing it: price, safety, and reliability. For your son or daughter, the most important facet may be the “cool” factor, but ensuring they’re driving in a good, solid, and safely-rated vehicle will not only provide piece of mind, but it can save... Read More

My Package Was Stolen From My Doorstep…Now What?

One of the issues some people have with online shopping is the shipping process. While you’re at work, what happens to the packages that sit at the foot of your stoop.  Thieves see this as an opportune time to swipe your purchases. We hear about it more and more these days, thieves will pick the package right up off your door... Read More

package was stolen homeowners insurance

One of the issues some people have with online shopping is the shipping process. While you’re at work, what happens to the packages that sit at the foot of your stoop.  Thieves see this as an opportune time to swipe your purchases. We hear about it more and more these days, thieves will pick the package right up off your door step and walk away with it.  What happens if your package was stolen from your doorstep?

homeowners insurance package was stolen

If you’ve ever wondered if your Connecticut homeowners insurance would cover something like this, you’re not alone. If you’ve ordered gifts online and they are stolen…now what? Once the package has been delivered by the delivery service, it belongs to you, so unfortunately, you are responsible for it. In this case, your homeowner’s insurance policy should cover you, but it would be subject to your deductible.

What about if you are shipping your gift to a friend or family member and it is stolen? It turns out that the shipper should have insurance through the delivery service.  However insurance but may not be guaranteed. If getting your package stolen is a concern of yours, it might be a good idea to ask questions. Inquire with someone on the website you are ordering from or even call the shipping company directly and see what their policy is. Asking questions and keeping yourself informed can make a huge difference!

Whether or not you would have coverage for an incident like this under your Homeowners Insurance policy varies greatly on your policy. Because each policy is unique, if you have more questions about your coverage and this topic (or any others) the best thing to do is ask your agent!

Call your Encharter Insurance agent with your questions so that we can help you get a little more peace of mind.

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Why You Shouldn’t Tell Insurance Lies

Whether you are guilty of the “I’m on my way” while still not dressed or you’re a bit of a story teller, telling your insurance lies is not something you should do. Do you lie about your insurance? When people speak to their agent it is so crucial they are honest with them about the questions being asked. It can mean... Read More

May Encharter Events

Encharter has an exciting month ahead of us.  We’re going out into the community and reaching out to the customers that we serve!  Meet us for one of our events and say hi.  Or, swing by our office in Amherst.  We’d love to see you! May 17 – Women’s Information Network On May 17, Tracey Benison, President is speaking at... Read More