Brooks, Todd & McNeil Agency Blog

Latest Post: April 21, 2026

What the End of Medicare and CT ACA Commissions Means for Consumers

Sweeping changes are reshaping how Connecticut residents get insurance advice on essential programs like Medicare and the Affordable Care Act (ACA) — including how commissions are paid and how these changes affect consumers.  A major part of this shift is that insurers are cutting or eliminating commissions paid to independent...

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Medicare
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RV camping in summer and RV insurance tips
May 20, 2024 Essential Tips for Safe and Enjoyable Summertime RV Adventures

With summer fast approaching, millions of Americans will be hitting the road in their RVs to explore the scenic landscapes and quiet corners across the United States. Here are some steps to make your trip safer and more enjoyable.  Choose the RV that best suits your needs. Is your family…

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business insurance renewal reviews
May 17, 2024 Business Insurance Renewal Reviews

If you own a business, you know how critical having the right insurance can be. Throughout the year, you should be in contact with your insurance agent if you have any significant changes, such as buying or selling a vehicle, adding a piece of equipment, or even hiring more staff.…

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auto insurance
May 15, 2024 How Your Car Choice Affects CT Auto Insurance Rates

Many policyholders are unfamiliar with the factors that affect auto insurance premiums, which can lead to costly mistakes. Understanding how the car you drive affects your premiums is essential for making informed financial decisions. Factors Influencing CT Auto Insurance Rates Your insurance rates depend on both vehicle-specific and personal factors.…

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employee benefits plans
May 13, 2024 The Case for Long-Term and Short-Term Disability Coverage in Connecticut

Our beautiful state is a wonderful place to live, work, and operate a business. But it’s also expensive compared to other U.S. states. According to LivingCosts.org, Connecticut’s cost of living index is relatively high. With an index of 114, it ranks as the 11th most expensive state. Such conditions make…

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valuable personal property insurance
May 09, 2024 Beyond Standard Coverage: Exploring the Need for Valuable Personal Property Insurance

Valuable personal property coverage provides specialized coverage for personal possessions that exceed the low sub-limits of a standard homeowners or renters insurance policy. This insurance protects against theft, damage, or loss of valuables like jewelry, art, antiques, collectibles, musical instruments, furs, cameras, silverware, and other items that would be costly…

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homeowners insurance
May 03, 2024 Weathering the Storm: The Importance of Wind Insurance for Your Connecticut Home

With the growing severity of major storms, it is now more important than ever before to know what your homeowners insurance policy covers. Typically, homeowners policies do provide coverage for wind damage, but there are limitations and it is important to know the details.  Most insurance deductibles are set at…

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homeowners insurance in Connecticut
April 30, 2024 Navigating Inflation: Why Insuring to Value Matters for Homeowners in CT

Adequate homeowners insurance in Connecticut is increasingly critical in the face of economic unpredictability and rising inflation. Homeowners confront significant challenges in protecting their most valuable financial asset, which also holds immense emotional value. They must deal with the reality that they, and their insurance companies, are battling the increasing…

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dog bites
April 24, 2024 Dog Bites: A Billion Dollar Business 

According to a recent report by the Insurance Information Institute (Triple-I), just over 19,000 dog bite claims in 2023 had US insurers paying out $1.12 billion, an increase of more than 8% over 2022 and 110% over the past decade. However, the average cost per claim slightly decreased from $64,555…

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earthquake
April 24, 2024 4.8 Magnitude Earthquake in New Jersey Raises Questions About Preparedness. Should the East Coast Be Worried About Future Quakes?

Less than a week after a 4.8 magnitude earthquake hit New Jersey on April 5, 2024, several aftershocks, including one measuring a 2.6 magnitude, shook the eastern coast. That Friday morning earthquake was the largest in state history and the epicenter was just 45 miles from New York City. How…

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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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