Stoto Thomas P Insurance

read moreTo provide a broad range of insurance products that meet the very needs of our customers. Whether it be insurance for your business or personal insurance needs such as home and auto insurance, umbrella or life and health insurance, we can coordinate coverage and offer excellent value. Superior protection and fair prices backed by quality service delivered by insurance professionals is our hallmark. The companies we represent are carefully selected to ensure they share those values.

read moreMost people who have health insurance in the U.S. are covered by their employer, with 60% of U.S. citizens receiving some form of employer-sponsored coverage. Individual health insurance is available for people who don't receive it from their workplace, although it's generally more expensive and has higher deductibles than employer-provided insurance; only about 9% of Americans pay for their insurance individually. With the Affordable Care Act (Obamacare) of 2009, major changes are taking place in the insurance and health care industries.

read moreRenters insurance can cover your personal belongings, reimburse you for living expenses such as temporary housing and food, protect you from liability in case you get sued by someone who was injured at your residence, and more. Homeowners understand the need to protect their livelihood by getting a comprehensive insurance policy. But what if you rent? The house or unit itself will be protected by your landlord's insurance policy, but this policy doesn't extend to your belongings. If your belongings are lost or damaged due to fire, water, theft or any other mishap, you have no recourse and will be forced to pay for the replacements, as well as shoulder any living costs if your current residence is rendered uninhabitable.

read moreHomeowners insurance does not cover damage caused by flooding. There has been recent widespread changes to the National Flood Insurance Program and the Flood Plain maps. Scott Insurance is here to help you navigate these new changes. Fortunately, there are more options than ever for Flood Insurance. Besides FEMA, we can now also obtain Flood Insurance policies from a range of Private Insurance carriers. Don't let your mortgage company make you pay more than you have to for required Flood Insurance in CT!

read moreLife insurance in CT is available in a variety of different forms, which is a good thing because everyone is different and everyone has different needs. Some people will be focused on keeping their premiums low while others may want their life insurance plans to carry additional benefits. A lot of thought should go into choosing your life insurance coverage because it's a decision that can have a serious impact on not only your life but the lives of your loved ones. Term Life Insurance is one of the most common types of life insurance.

read moreBefore filing a claim, call our office to review your loss with one of our seasoned agents! We will advise you as to the best course of action! When you speak with us, you'll see why our clients appreciate our individual attention and care!

read moreOther than Virginia, New Hampshire and Mississippi, every state in the U.S. requires a motor vehicle owner to buy some form of insurance. Auto insurance in CT is a competitive market, and a car owner who is shopping for a policy would do well to compare the terms and understand what different types of insurance cover, as well as what they cost. Liability coverage pays for injuries and property damage that the insured driver was found responsible for. Even if you drive responsibly, you need liability insurance in case you accidentally cause damage or injury.