Brooks, Todd & McNeil Agency Blog

Latest Post: December 2, 2025

Holiday Liability: The Insurance Implications of Hosting, Decorating, and Celebrating

The holiday season brings joy, gatherings, and celebration — but also a blur of activities that create household risks. Fires, guest injuries, theft, and even auto accidents tend to increase this time of year. Many of these incidents result in homeowners insurance claims. This report aims to help you stay...

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homeowners insurance
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homeowners insurance
December 02, 2025 Holiday Liability: The Insurance Implications of Hosting, Decorating, and Celebrating

The holiday season brings joy, gatherings, and celebration — but also a blur of activities that create household risks. Fires, guest injuries, theft, and even auto accidents tend to increase this time of year. Many of these incidents result in homeowners insurance claims. This report aims to help you stay…

Read full article
drone inspections
November 25, 2025 What Homeowners Should Know About Drone Roof Inspections by Insurance Carriers

Drone technology has rapidly evolved from novelty to necessity as businesses discover its capabilities, and insurance is no exception. Carriers that offer homeowners insurance or business insurance are now deploying drones with excellent results, transforming the way both homes and commercial buildings are inspected. In a fraction of the time…

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home insurance
November 12, 2025 Why Home Insurance Rates Are Rising — And What Connecticut Homeowners Can Do About It

Many Connecticut homeowners are seeing premium increases of 10% or more on their renewal notices this fall. If you are asking why home insurance costs are rising in Connecticut, you are not alone. National economic pressures and local risk factors are changing how insurers set rates across the state. This…

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November 03, 2025 Medicare Advantage Plans for 2026: Changes May Impact How You Pick Your Plan

Many Connecticut residents are picking a new Medicare Advantage plan for 2026. If this includes you or someone you know, please keep reading. You may have seen recent reports about the three insurance carriers with the most popular Medicare Advantage plans exiting the Connecticut market, thereby forcing people to pick a…

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life insurance
October 15, 2025 Life Insurance Isn’t Just for Parents: Why Millennials and Gen Z Should Rethink Coverage

If you're in your 20s or 30s, life insurance probably feels like something for later — after the house, the wedding, the kids. But waiting means paying more later — sometimes much more — and missing out on modern, flexible financial planning advantages and protection you can only lock in…

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auto insurance
October 10, 2025 When the Other Driver Disappears: Why UM Coverage Matters in Hit-and-Run Accidents

You parked in an end spot at a crowded sporting event to avoid surrounding cars. Hours later, you return to find your vehicle sideswiped, with no witnesses or notes left behind. After filing a police report, you realize it's unlikely you will find the other driver. This incident raises an…

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October 07, 2025 Free Climate Risk Mapping Tool for Connecticut Residents

The Connecticut Insurance Department is providing a new and important risk mapping tool free to all CT residents to help make informed decisions about their insurance needs. Users can enter any Connecticut address to view maps for flood, fire, wind, air quality, and extreme heat, to receive detailed, property-specific climate-risk assessments. Climate…

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homeowners insurance
September 26, 2025 Delaying Repairs Could Cost You – The Hidden Insurance Risks of Putting Off Home Maintenance

Homeownership is a cherished goal that represents success, stability, and pride, but it is a long-term investment that requires regular upkeep and ongoing repairs. The costs of homeownership can lead some homeowners to postpone necessary repair work in an effort to save money. However, this short-term focus can compromise the…

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commercial flood insurance
September 24, 2025 The Rising Tide: Why Now Is the Time To Reevaluate Your Commercial Flood Insurance

The summer of 2025 earned its nickname as the "summer of flooding" for good reason. Record-breaking rainfall, flash floods, and storm surge devastated communities from coast to coast. Now, as La Niña conditions develop, meteorologists warn that irregular weather patterns will continue disrupting regular precipitation cycles well into 2026. Businesses…

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Contact Us For A Consultation And Quotes

Contact our experienced independent insurance agents for quotes on all your personal insurance needs. Our agents will help find you the best coverage, prices and protection for you and your loved ones. We are conveniently located in the Connecticut towns of Torrington, South Windsor, Enfield and the South Carolina towns of Spartanburg and Mullins.

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