Brooks, Todd & McNeil Agency Blog

Latest Post: May 12, 2026

Does Homeowners Insurance in Connecticut Cover Restoration?

A burst pipe, kitchen fire, or severe storm can leave Connecticut homeowners facing thousands of dollars in cleanup and repair costs almost immediately. In the event of an emergency, the question naturally arises: Does homeowners insurance in Connecticut cover restoration? In many cases, yes — but insurance coverage depends on...

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homeowners insurance in Connecticut
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bundling home and auto insurance policies
May 24, 2024 The Value of Bundling: Exploring Home and Auto Insurance Policy Bundles

It's no secret that insurance costs have been on the rise due to several factors, including inflation, costs of labor, material and supplies, and more severe weather events. An increase in costs has people wondering what they can do to help alleviate the financial strain while still fully protecting their…

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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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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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