Lana Insurance Center Inc

1259 South Broad St
Wallingford, CT 06492

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When To Adjust Your Home Insurance

It’s important to not be caught without adequate insurance on your home. But your home insurance coverage needs may change when you have a life-changing event. Lana Insurance Center Inc. offers this short guide on when to review your home insurance. 

Changes In Family Size

It’s important to review home insurance after events such as marriage, divorce, or the death of a family member. The birth or adoption of a child is also a good time, as well as when a child moves out of the home. Additionally, make adjustments to your insurance when someone moves in for an extended period of time.

Home Renovations

Renovations definitely have an impact on home insurance. Some of the most important renovations requiring insurance review include: upgrading the kitchen or bathroom, adding an addition, and building a pool. You may also wish to review after fixing or replacing a roof or home siding. If you are planning a renovation, inquire about additional coverage for construction. 

Recent Purchases

If you have recently purchased valuable items, it’s important to make sure that you have enough protection to cover them in case they are damaged or stolen. Expensive items such as electronics, antiques, or jewelry may exceed the limits of your current policy. Ask your insurance agent about adjusting your policy or adding umbrella coverage for these items.

Property Value

Property values fluctuate over time. The coverage that you had when you first bought your home may not be sufficient 10 years down the line. Make sure that you have appropriate coverage for the current value of your home.

Let Lana Insurance Center Inc. take the guesswork out of your home insurance needs. Stop by or contact us today

Auto Insurance: The Impact of Careless Driving on Your Driving Record

Everybody knows that careless driving can have an impact on your driving record, and on your auto insurance policy. Careless driving in most states is defined as driving without care or driving without having a reasonable consideration on the roads. It is not the same thing as dangerous driving which means that you are posing an actual danger to the public when you are on the road.

The consequences of careless driving are steep and could impact your driving life for some time.

At Lana Insurance Center Inc., we know that mistakes happen. We can help you to design the auto insurance policy that will best meet your needs.

What is Careless Driving?

Careless driving is about not taking reasonable measures to be safe on the road. It involves those careless mistakes that happen when you aren’t paying attention. You don’t mean to do it, but you are acting without the care you should have on the road.

It could include not checking your mirrors, speeding, problems with cyclists or pedestrians, running red lights, texting, and driving, or failing to maintain a safe distance.

Penalties for careless driving could include driving points on your record, heavy fines, suspended license, and even jail depending on the circumstance.

Careless Driving and Auto Insurance

When you have been convicted of careless driving, that will have an impact on both your driving record and your auto insurance. Even a ticket for careless driving will mean a conviction. That will stay on your driving record for years and will impact your auto insurance for just as long.

Get a Quote

When you have a careless driving conviction, it is not impossible to get insurance, but you will need help with your auto insurance policy. Call Lana Insurance Center Inc. today to get the best quote for your auto insurance after there’s been an impact on your driving record.

An In-Depth Look At Medicare Insurance

Lana Insurance Center Inc. offers coverage to Connecticut residents. We offer our clients multiple types of coverage to ensure that they are protected in any situation. We will assess your individual situation and find a policy designed for your unique needs.

Medicare Insurance Overview

Maintaining a healthy lifestyle helps you feel good and keeps you motivated to accomplish great things. Having health insurance is an important part of the process. Medicare insurance is flexible, which allows you to choose a policy that aligns with your goals. Traditional plans include a network. This means you can choose a primary car physician within a specified area. You also have the option to receive urgent care from any of the facilities listed in the network. If none of those are a fit, you could opt for an alternative policy, which gives you more freedom to choose a doctor and preferred hospital outside the network. Each of the policies has a different set of guidelines regarding coverage if your primary care physician recommends that you take prescription drugs.

Medicare insurance does cover important dental procedures if you are undergoing surgery. However, preventative care such as regular checkups and cleanings are not covered. In some cases, Medicare insurance does cover vision exams, especially if you are at a high risk of contracting glaucoma. You are covered if you want to receive a yearly flu shot as part of your preventative care. If you are admitted to the hospital, Medicare will cover your treatment and your rehabilitation.

Lana Insurance Center Inc. Will Help You Find The Right Coverage

Visit our website to learn more information about Medicare insurance.  

Protect Your Standard of Living With Condo Insurance

Condo insurance is vital coverage to have if you own a condo. It encompasses several different types of insurance coverage, all of which help you to maintain your standard of living after the worst happens to your condo. If you need a condo policy, call us at Lana Insurance Center Inc. to talk about this important insurance coverage. 

Coverage for Your Possessions

Most of what you own will be in your condo, and all of those belongings need to be protected. If a serious incident or disaster should happen, this coverage will allow you to replace many of your things so that you don’t have to start over with nothing. This coverage keeps you from having to live without any possessions if yours are destroyed or become seriously damaged. 

Protecting Your Home

Another part of the condo insurance that covers your home is the protection for the inside of the dwelling. The outside of it is generally owned by the condo board, but the inside needs to be protected. With this coverage in place, you can get damage paid for so that you can get back to your normal life. It protects you from having to live with major problems and damage to your home. 

Coverage for Another Home

If there is an incident or disaster that damages your home so much that it is unlivable, your condo insurance will pay for you to live somewhere else in another home while your condo is being rebuilt or repaired. This is another important coverage type that protects your standard of living even if something terrible happens to your home. 

Get Your Condo Coverage

If you need a condo insurance policy, don’t wait. You never know when disaster can strike. Contact us at Lana Insurance Center Inc. to talk with an agent about your insurance needs. 

Life Insurance Coverage Options

As we all grow older, we realize how important having a life insurance policy in place is to our loved ones that we will leave behind. There are various types of life insurance policies, and the life insurance agents at the Lana Insurance Center Inc. can help you determine which type is best for you and your loved ones.

Below is a list of the three main types of life insurance policies that you can choose from.

Term Life Insurance

Term insurance is the simplest type of life insurance, and it only pays out if the death of the person who purchased the policy dies during the period of time it is in effect. It usually pays a death benefit during the length of the term of the policy from one to thirty years. There are normally no other benefits of a term life insurance policy.

Whole Life Insurance

Whole life, also known as permanent insurance, will pay out a death benefit whenever you die. There are three major types of whole life insurance, including traditional whole life, variable universal life, and universal life. There are several versions of each of the three types.

Universal Life Insurance

Universal life insurance is a type of permanent life insurance that offers an investment-type savings account with it. It is one of the least expensive types of life insurance to obtain. Only the beneficiaries of the policy will receive the death benefit.     

There are several other life insurance policies for you to choose from, including variable universal life insurance, guaranteed issue life insurance, accidental death insurance, medically underwritten term life insurance, simplified issue term life insurance, return of premium term life insurance, and permanent life insurance. The life insurance agents at the Lana Insurance Center Inc. can help you decide which type is best for you and your situation, so call for an appointment today!

What You Should Know About Commercial Insurance

At Lana Insurance Center Inc, serving Wallingford, CT, we understand that the business owner has a unique set of duties and responsibilities. We want to help you best meet those responsibilities for yourself, your employees, and your customers. One of the best ways you can protect your business and those counting on you is through commercial insurance. 

What Is Commercial Insurance?

Commercial insurance is a comprehensive insurance product that was designed for companies and business owners like you. Commercial insurance bundles together all of the important insurance coverage types that are most vital to a business owner. By having this type of coverage in place, you can rest assured that the investments of both time and money you have made into your business are protected. 

What Does Commercial Insurance Cover?

Commercial insurance can be customized, but in general, a commercial policy will cover:

  • Property damage– Property damage coverage is vital if your business place is damaged or lost due to fire, natural disaster, or burglary. 
  • Automobile coverage– To operate vehicles safely for your business, you will need automobile coverage. 
  • Liability– Liability coverage can sometimes prove to be one of the most important insurance types you will ever have. If an employee or a customer is injured at your place of business or because of your products or services, expensive medical bills or legal fees could result. A solid liability policy will ensure that these expenses do not come out of your pocket, putting your company’s finances at risk. 

If you would like to learn more about commercial insurance or any other insurance products, please contact us at Lana Insurance Center Inc., serving Wallingford, CT. We will be happy to answer your insurance questions today. 

Why you need more liability coverage in your home insurance policy

Part of your home insurance policy comes with bodily injury and property damage liability. It is designed to cover you and your family for lawsuits that other parties might file for injuries or property damage that you or your family members may cause to other parties.

Everyone in your home, including pets, is covered, and the coverage pays defense fees, damages, and medical bills. That’s why Lana Insurance Center Inc. recommends buying adequate liability coverage based on your risk needs and the number of people living with you. Here is how liability protects you:

Liability protects you and your assets.

When you become a homeowner, protecting your investment becomes a priority. If you or any other member of your family is sued for injuring another person or destroying their property, you can easily lose your assets if you are not well-prepared financially.  For instance, if your dog bites a neighbor’s child, you might be required to pay medical bills and, worse, deal with a lawsuit. With adequate liability, it can help pay your legal defense fees.

Liability provides coverage for your family members.

If you entertain guests at your home or have teenagers who throw parties every once in a while, you may want to have bodily injury and property damage liability if you are sued for injuries sustained at your home during those visits. Raise your coverage limits if you have a swimming pool, home office, or trampoline. You never know who will get hurt accidentally while at your house.

Liability coverage is quite complicated, and every insurer has its rules and regulations. Therefore, never assume you are covered. When in doubt, always ask and get clarification. For more information, quotes, or queries, feel free to contact Lana Insurance Center Inc.

Auto Insurance Requirement in Connecticut

Like most states, Connecticut has auto insurance requirements, and if you drive with no insurance, you risk getting severe penalties. Fines range from $100 to $1000 if you encounter a traffic stop and get caught driving without your registration and auto insurance. Other violations for driving without auto insurance in Connecticut include getting a warning notice from the DMV’s office that will offer you a chance to get auto insurance along with the offer to pay a $200 fine to avoid further penalties. Also, a hearing may be required if you do not respond to the DMV’s first warning. 

Connecticut’s Auto Insurance Requirements

It would be best if you had auto liability insurance with the following minimum limitations: 

  • $25,000 per accident for each person with bodily injury
  • $50,000 total for each accident for bodily injury
  • $25,000 for property damage for each accident
  • Uninsured/underinsured motorist coverage for $25,000 per person and a total of $50,000 per accident

There are other auto insurance coverage options in Connecticut, but liability insurance is the minimum required. 

Conclusion

As with most states, Connecticut also has auto insurance requirements, and you will be at great risk of getting severe penalties if you drive with no insurance. You will get warning letters from Connecticut’s DMV with various offerings, and you may get a traffic stop and various fine amounts. So, don’t get caught without the requirements for auto insurance. 

For more information about auto insurance, contact Lana Insurance Center Inc. today. Agents at Lana Insurance Center Inc. has several decades of experience. Located in Wallington, CT, you will be in good hands with our team making sure you are properly covered. Contact us now!

How to choose the best Medicare Advantage Plan for you

Choosing healthcare is confusing. Lots of terms and figures to compare, and Medicare Advantage Plans are no different. Depending on which state you live in, you may have lots of choices or only a limited number of choices. Connecticut is one of the states that have lots of options. Having an insurance agent that you can trust and count on is vital to making an informed decision. At Lana Insurance Center Inc. in Wallingford, CT, we have years of experience helping our clients find the perfect insurance products to meet their unique needs. 

Your doctor is in their network.

No matter which carrier you think has the plan that fits your needs, you need to know your preferred doctor/doctors accept the plan. The carrier will have a list of the doctors in their network on their website, or you can call your doctor’s office and ask them if they accept the plan. 

Your medication is in the formulary.

With most Medicare Advantage Plans, prescription coverage is included. The medications are listed in a formulary, and they are placed in tiers. Some tiers include deductibles, as well as copays. 

Is there a deductible 

Some plans have zero monthly premium. On the surface, that sounds great, and it may very well be great, but make sure there isn’t a large deductible built in that will keep you from afford service.

Copays

Compare the amount you will pay for doctor visits and basic services like x-rays and blood tests. Are you responsible for a percentage of the cost? 

Extras

Some plans include dental, vision, and hearing benefits. You may also get a credit to use for over the counter items. Getting a free membership at a health club is also something to check out. 

Contact Lana Insurance Center Inc. in Wallingford, CT to discuss the Medicare Advantage Plans that are offered to Connecticut residents. 

Do Food Trucks Need Commercial Insurance?

Food trucks have become incredibly popular in the last few decades, which is why many people may not know what type of insurance is right for that type of mobile business. Do they need automobile insurance or commercial insurance? Before starting a food truck business, it is imperative to know what kind of insurance is required and protect the owner from losses due to various risks. 

Do Food Trucks Need Commercial Insurance?

In a sense, food truck insurance is commercial auto insurance but has a hybrid policy’s qualities. This type of insurance protects the vehicle as well as permanently installed equipment and appliances. Additional coverage for contents, much like RV insurance, may be available with some providers and policies. Make sure to have an experienced agent assist with the policy selection as well as explain all of the terms and conditions before finalizing the policy agreement. 

Finding The Right Coverage

It can be confusing when trying to shop for specialty insurance alone. That is why people who are looking for food truck insurance should work closely with an agent. People who live in or near the Wallingford, CT area can count on Lana Insurance Center Inc. to help them get the policy they need to protect their investment from potential hazards and gaps in coverage. In addition, they can help file claims or assist with policy adjustment as the food trucks grow and change to its business plan over time. 

Those who are searching for high-quality food truck insurance or any commercial policy should call or stop by Lana Insurance Center Inc., serving the residents in and around the Wallingford, CT area today. We can get the ball rolling, so finding the right policy is quick and easy. 

Our Partners
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  • Nationwide
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  • State Auto
  • Travelers