Why is my auto insurance so expensive?

People ask me this question all the time. When I started as an insurance agent back in 1988, there weren’t many factors that went into rating your policy. Your age, your driving record and your sex was pretty much all the insurance companies reviewed. I could rate a policy by looking it up in a book. The agent used a …

A world without speeders?

Ford has just introduced technology that prevents your car from speeding. It is called the Intelligent Speed Limiter, and it is only available in Europe. It works by using electronics to adjust the amount of fuel delivered to the engine. It has the technology to know what road you are on, the speed limit, and would be able to slow …

Protecting Yourself When Selling Items On Craigslist

If you have ever sold anything on Craigslist large or small, you know it can be a frustrating experience. Sometimes attempting to buy or sell an item on Craigslist can even lead to dangerous situations, fraud, theft or something worse. As local insurance professionals we have experienced some bizarre situations involving auto theft through Craigslist and wanted to help arm …

Earthquakes In Connecticut?

Most think earthquakes only occur in California, but occasionally smaller quakes can rattle our small state of Connecticut. What would you do in the event of an earthquake? Homeowners insurance traditionally does NOT cover earthquake damage and since we have had quite a few earthquakes in Connecticut the past couple of months, people’s homes received damage that was not covered. …

A “Drive Only License” for Undocumented Individuals

When it comes to getting a driver’s license in certain states in the U.S., the law is changing and it is pretty complicated so we’re here to dissect it a bit for you. Connecticut, among other states, wants to ensure that all drivers, regardless of their immigration status, are tested, trained, licensed, insured and accountable for their driving records. Unlicensed …

Tips For Preparing Your House And Car For Winter From Barth Insurance.

Winter in New England puts unusual demands on both your home and your automobile. There are several steps you can take to save yourself money, time and stress in the middle of the cold winter. In addition to the obvious house maintenance items, there are some crucial preventative tasks that should be performed in order to lessen the chance of …

It is National Fire Prevention Week! (October 5-11, 2014)

Is Your Family Prepared For A Fire Emergency? October is fire safety month but we should practice fire safety all year long. Many potential fire hazards go undetected because people simply do not take the necessary steps to fireproof their home. Barth Insurance wants to remind you about Fire Prevention throughout your home to keep your family safe in the …

Important Notice For Homeowners Living Near Long Island Sound

There will be a significant change in law effective Oct 1st, 2014 that may affect Connecticut homeowners who live near Long Island Sound. For the past several years (since 2007), insurance companies have been permitted to NOT write any home located within 2600 feet to Long Island Sound with having what they called “wind mitigation”. This means homeowners could be …

Covering LEGO and Other Valuable “Collections” On Your Homeowner’s Policy

There are so many questions regarding coverage of specific items within your home in the event of a fire, burglary or other catastrophe. As you may know, your personal property coverage has limits for jewelry, furs, silver, firearms and cash. Homeowners policies usually will have replacement costs coverage for contents, but it is often limited to somewhere between $1,000- $5,000. …