Ah, Valentine’s Day is near, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say “Be Mine” – and, of course, jewelry. It’s exciting to receive jewelry from a loved one – or to give it as a gift. Not to mention romantic. But if you’re lucky enough to have some new jewelry in your Connecticut home this Valentine’s Day, you should take a few minutes to think about something you...(Read More)

When choosing auto insurance, you want complete coverage for the best price. There’s a lot to think about when choosing auto insurance. In some states, to license your car you must carry liability coverage for damages incurred by others if you cause an accident, or no-fault coverage to pay for medical and related expenses for you and your passengers caused by injuries from a car accident, regardless of fault; or carry both. Check with Sava Insurance at 860-437-7282 or...(Read More)

We love it here , but summertime is the time for getting away! And whether your escape is by air, land or sea, Sava Insurance Group can help ensure you are covered. Just because you’re on vacation, though, doesn’t mean you can stop thinking about safety. These tips will help you and your family get the most out of your trip – and help you get back to Waterford safe and sound. Does my insurance come on vacation with me? This is a common question here at Sava Insurance Group....(Read More)

Whether you own a Jet Ski, a small ski boat, fishing boat, or a 26-foot cruiser, knowing that you’re covered by the right insurance should give you the peace of mind to relax and enjoy every minute. What We Insure We represent insurance companies that insure a full range of recreational boats including: Bass boats Fish and ski Cabin cuisers Sailboats Pontoons Jet boats Ski boats Runabouts Jon boats Personal watercraft Why Insure Your Boat or Personal Watercraft? In tough economic times...(Read More)

Buying, selling or insuring a boat in Waterford? First you’ll need to know how much your boat and/or motor is worth. Here are a few popular pricing guides as references. NADA BUC Also, you can check out the prices on boats similar to yours using these sites: IBoats Boats.com Boat Trader Boat Valuation and Insurance Coverage Tips Connecticut, Residents Any permanently attached equipment is included in the boat’s value, so make sure your insurance coverage amount takes that into...(Read More)

Insuring a condominium in Connecticut is different than insuring a home. And the biggest difference is knowing where your responsibilities begin and end. That’s why it really pays to work with a knowledgeable insurance agent like Sava Insurance Group. Read on, or call us at 860-437-7282. Your Condo Insurance Coverage Options Your condo association buys insurance for the building and common areas. In choosing your condo policy, you should consider the areas of the building that you own,...(Read More)

Your home may be worth as much or more than your retirement account. As a result, it makes sense to track your home insurance as carefully as you do your 401k. Getting Started with Sava Insurance If you haven’t checked in recently, you might consider contacting Sava Insurance Group at 860-437-7282 or info@savainsurance.com to schedule an annual review of your home’s value and contents. We want you to be relieved, knowing you’ve made informed decisions about the amount of home...(Read More)

What’s the secret to selecting the right amount of insurance coverage? Simple – the more information you provide, the easier Sava Insurance can create a homeowner’s policy that’s right for you. Homeowners Insurance From Sava Insurance Is Here to Protect You Consider these scenarios: If your Connecticut state home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it. If a guest in your home is injured, liability protection...(Read More)

You’ll no doubt hear the phrase “Happy Holidays!” about a thousand times over the next month or two. Here at Sava Insurance Group, we’d like to change that a little bit: “Happy – and Safe – Holidays!” While the holidays certainly bring cheer here in Waterford, they also present some danger unless you take care when putting up your tree, lighting candles and keeping that fire going on a cold winter night. During November and December, according to...(Read More)

It’s a night full of treats for both kids and adults in Waterford. But a number of factors – including lots of people walking in the dark, the threat of wet and stormy weather, strangers coming to your door – mean that Halloween in Connecticut can have some tricks up its sleeve. Sava Insurance Group wants your Halloween to be a happy one. So whether you’re taking your kids out trick-or-treating, hosting a party or just staying home to greet costumed visitors, we can help...(Read More)

For many of our neighbors in Waterford, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for injuries from lawn and garden tools, according to the U.S. Consumer Product Safety Commission (CPSC). Don’t let your landscaping efforts land you in the hospital! Follow these handy safety tips. Tool Safety Tips From the U.S. CPSC Dress appropriately. To...(Read More)

Whether you live in Connecticut, or elsewhere, hail storms don’t last long, but they pack a real punch. Every year, hail causes nearly $1 billion in damages, mostly to repair roofs and cars. A single series of evening storms in North Texas in May of 2011 caused an estimated $200 million to $300 million in damages, according to one estimate.* You can save hundreds of dollars and hours of clean-up by making sure you understand your coverage, and taking some precautions, including checking...(Read More)

To stay safe on Waterford streets, you need the right skills to control your ride, and the best safety equipment for just-in-case. Sava Insurance Group cares about your safety – so keep these helpful tips in mind when you ride: When You Ride – Be Prepared and Protected Update our Policy when You Update Your Equipment Make sure each piece of equipment is listed on your policy. Any time you buy new leathers or safety equipment or customize your bike, contact Sava Insurance and let...(Read More)

Being on the water in your boat can be a real joy, but it pays to know what to do if you’re involved in an accident in Connecticut, or if something happens to your personal watercraft (PWC) when it’s on shore. A capsized PWC may take on water, but it is designed not to sink. If you fall from a moving craft, hit the water rear end first, with legs together and arms over your head. A safety lanyard, attached to your wrist or life vest, should kill the engine. A running engine can...(Read More)

When purchasing a trailer in Connecticut or elsewhere, stay within recommended capacity guidelines. When determining capacity, remember to include the weight of fuel and accessories in addition to the weight of the craft. Trailers come with closed or open frames. Closed frames help protect the wiring, but problems can be more difficult to locate and repair. Open frames leave the wiring exposed, but make it easier to spot and repair potential problems. Open frames also drain water more easily...(Read More)

At Sava Insurance Group we recognize one of the fastest growing American pastimes is recreational boating. While many boaters cruise in sailboats and powerboats, personal watercraft (PWC) have become a popular way to enjoy the water too. Recreational boaters use them as tenders on larger boats, to water ski, commute and just for spring and summer fun. The following items will acquaint you with some information you should know before hitting the water. For your own safety and the safety of...(Read More)

In most places in the United States, Sunday, March 13, 2011, is Daylight Saving, when clocks are moved forward one hour. Regardless of whether Daylight Saving Time is recognized where you live, we here at Sava Insurance Group want to suggest it’s still a great time to improve your family’s safety. Be safe in your Waterford home Health and safety agencies often use the approach of Daylight Saving Time to remind people to change the batteries in their smoke alarms. The American Red...(Read More)

Avoid any delays and unexpected problems when you take your recreational vehicle or motorhome out for what should be a relaxing trip from Waterford. Follow some of our suggestions below, and consider investing in some maintenance and safety classes to help ensure happy travels across Connecticut and beyond. Take Care of Your Tires When you’re not traveling, keep your recreational vehicle/motorhome tires covered to protect them from the sun and weather. Make sure you check your tire...(Read More)

Your Identity Belongs to You. Some Suggestions From Sava Insurance Group to Help Protect It. One smart and effective way to protect yourself against identity theft is to prevent it. If your identity is stolen, you’ll be able to lessen problems by acting quickly, whether you live in Connecticut, or elsewhere. Start with Good Habits in Print out a copy of this page and store it in a convenient place Leave your Social Security card at home in a safe place Shred papers with personal...(Read More)

Believe it or not, every state in the U.S. has some degree of risk from earthquakes, including Connecticut. If you live in an area susceptible to earthquakes, make sure you speak with Sava Insurance Group in order to determine whether you are covered, or if you should purchase separate earthquake coverage. Know If You Have Earthquake Coverage from Sava Insurance Sava Insurance Group will talk you through your options and discuss home improvements that can make it eligible for an earthquake...(Read More)

If the unthinkable happens, we here at Sava Insurance Group understand that your most valuable assets are more than just items on a balance sheet. That information is critical during a time of catastrophe. Sites to Check Out The following sites are additional resources to assist with preparing for and recovering from disaster. American Red Cross The American Red Cross not only provides disaster relief nationally, but is part of a global humanitarian network, responding to those in...(Read More)

Buying a new car in Waterford is an exciting time – but it can also be stressful. After all, you’re trying to get the best deal on price, while also deciding on the make, model and features you need. Here at Sava Insurance Group, we can’t really help you become a master negotiator when it comes to buying a car. But we can give you some things to consider when you’re looking around the lot – and when you’re trying to answer the age-old question of “new,...(Read More)

Simple steps can lead to savings in your pocket. Spending less money is much easier than perfecting your tight turns at high speeds on a gravel road. Take a look at some simple ways to lower your motorcycle insurance costs for Connecticut, riders like you. Ride More. Worry Less. More expensive motorcycle = more expensive insurance Before you buy a motorcycle, check with Sava Insurance Group to see what it will cost to insure it. Expensive bikes cost more to repair, maintain and insure. The...(Read More)

Insurance might be a necessity, but spending lots of money on it isn’t. We here at Sava Insurance know that you’d rather be mapping out your next destination instead of worrying about your bank balance, so read our recommendations below and start saving. If you live in Connecticut, we can help! Splurge on Connecticut Souvenirs Instead of Insurance Safety saves: Not only is it smart, but a clean, safe driving record can also lower your rates. The safety equipment you choose for a...(Read More)

How much you pay for insurance depends on many factors. Following the suggestions below may help you lower the cost of your classic car or collector vehicle insurance at Sava Insurance Group in Connecticut. Before you buy If you’re thinking of buying a classic car or antique automobile, check with Sava Insurance Group to inquire what it will cost to insure. Usually expensive vehicles cost more to repair, maintain and insure. Insure with one company The more policies you have with one...(Read More)

Who doesn’t want to save money on homeowners insurance? For homeowners and renters in Waterford – and elsewhere – you have options when it comes to lowering your home insurance costs. How You Can Lower Your Homeowners Insurance Cost Combine policies to increase savings. Insuring both your auto and home with a single company often qualifies you for discounts on BOTH policies. Ask an agent at Sava Insurance Group to learn more. Higher deductible = lower premiums. Deductibles...(Read More)

Drivers ask the team at Sava Insurance Group this more than just about anything else – how do you save money on auto insurance policies? There are a number of factors that go into determining the cost of your car insurance premiums, and Sava Insurance has some helpful suggestions to help you lower your costs. In Connecticut, What Things Can You Do to Keep Your Policy Costs Low? The kind of car counts. Luxury cars and performance vehicles cost more to repair, maintain and insure than...(Read More)

Of course, because spring is a time for new beginnings, cleaning and organization around the house are very popular this time of year. If you’re ready to tackle that monumental chore, read on for some helpful information. (And if you’re so tidy and organized throughout the year that spring cleaning isn’t a big chore for you, well, keep that to yourself! Unless you want your friends and neighbors to be jealous, that is.) Take it one room at a time. Deciding to clean or...(Read More)

With the days getting longer and the weather getting warmer, we here at Sava Insurance Group are starting to think about spring. (Or at least hoping that springtime is coming, anyway.) And whether spring arrives on time, we’ve got you covered with tips to get you ready for the season. Get ready for spring Although everyone thinks of cleaning when it comes to spring, there are a number of things you should do to make sure your home is ready when the weather in Connecticut changes. Below is...(Read More)

If you live or vacation where the weather gets cold and the snow starts falling, some people are content to cozy up next to the fire with a good book and concentrate on staying warm. For others, though, it’s time to get excited – because it’s time to break out the snowmobiles and head to the nearest winter recreation spot. It’s a popular activity, and for good reason: Snowmobiling allows you to explore natural areas that may be hard to access by foot (or snowshoe), and...(Read More)

Millions of Americans will do some traveling this holiday season – the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you’re simply driving around in Waterford or headed to . At Sava Insurance Group, we’d like to help you not only enjoy your holiday season, but help ensure you’ll be around for future holidays, too! So please take these winter-travel safety tips to heart. Prepare your car for winter Before...(Read More)

First things first: If you’re a snowbird, and headed away from Waterford this winter to a sunnier and warmer spot, you can move on to the next article. Just know that we here at Sava Insurance Group wish you a safe journey – and that we’re all a little jealous. But no hard feelings; we’ll still be here, standing ready should you need us. But for those RV owners who aren’t able to escape the winter weather in Connecticut, or who are simply storing their RV in a...(Read More)

Drafty windows. Leaky faucets. Dirty air filters. All are common issues here in Connecticut, and they’re not only annoying – they also cost you money in decreased energy efficiency and higher utility bills. Would you like to save $200 to $400 a year on your energy costs in Waterford? That’s how much the U.S. Environmental Protection Agency’s Energy Star program estimates that homeowners can save by incorporating technologies to make their homes operate more...(Read More)

Summer has ended, but there’s no need to fret here in Waterford: Fall brings with it crisp, cool days, wonderful colors – and football season! It also brings some maintenance tasks Sava Insurance Group recommends to help ensure your home is ready for fall and winter weather in Connecticut. Check out the following information for some general tips from the National Association of Home Builders, and don’t hesitate to call us at 860-437-7282 if you have questions about your...(Read More)

Whether you’ve got a rowboat or a big cabin cruiser, we here at Sava Insurance Group want to make sure you have the tips you need to keep your boat protected when it’s not in use. The first step in winterizing your boat should be to make a list of all your winterization tasks. Check your boat and motor owner’s manuals for manufacturer recommendations on winterization and review the topics below. If you are a new watercraft owner, consider employing the help of a friend with...(Read More)

Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer in Waterford. And grilling isn’t just about great food. Backyard barbecues often create treasured memories with friends and family. Keep in mind, however, that when you grill, you’re literally playing with fire. Thousands of Connecticut residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents. There’s good news, though: You can prevent...(Read More)

We’ve all seen the dramatic effect hurricanes, tropical depressions and other severe storms can have on the coast and even far inland – both the initial wind and rain and the floods that follow. According to NOAA, 19 states from Texas to Maine have been directly hit by hurricanes. any more have been affected by torrential rains and tornadoes as those weakening storms moved inland. But there are steps you can take to stay safe and reduce damage to your property in the event of any...(Read More)

It’s happened. There’s water everywhere – in your walls, under your carpets and soaking into your belongings. Whether caused by a burst pipe, a broken water heater or flooding, there are things you can do immediately to salvage belongings and limit damage or loss. Here are some suggestions from Sava Insurance Group that will help you, wherever you live, including Connecticut. 1. Stop the water. If the water is coming from inside your home, such as a burst pipe or water heater...(Read More)

You don’t have to be directly hit by a tornado in Connecticut to experience damage. Taking some time to prepare could save you thousands of dollars and hours of clean-up. Know What Your Insurance Covers and How Much You Need In an average year, 800 tornadoes are reported nationwide, but in April of 2011 alone, 875 tornadoes were reported. Oftentimes, homes and businesses close to a tornado are damaged or destroyed by wind, rain and flying debris. Check with us at Sava Insurance Group to...(Read More)

With Earth Day fast approaching, we here at Sava Insurance Group thought it would be a good time to talk about preventative measures you can take to avoid harming the environment, in addition to carrying an insurance policy that provides coverage for fuel spills and pollution liability. Maintain a clean bilge – don’t pump oily water overboard Clean safely – Use detergent sparingly. Environmentally responsible boat cleaning products can be found at www.greenseal.org Observe...(Read More)

Boat Maintenance Tips for Connecticut Proper maintenance can extend the life of your boat, reduce the need for costly repairs, and help ensure the safety of your passengers in Connecticut. Clean and Care for Your Boat Wash your boat regularly to prevent the long-term effects of environmental wear and tear. Routine waxing and the use of an anti-fouling paint can also help protect your boat from the elements. Consider using environmentally-safe products whenever possible! Paint with extra...(Read More)

Although they are often skippered by teens and young adults, boats are not toys. Both the craft and its operator must comply with all Federal and state requirements, no matter whether you live in Connecticut or elsewhere. If you’re heading out on the water, be prepared. Federal regulations require that most watercraft be registered and have an identification number. A validation sticker and registration number must be displayed on the craft. The U.S. Coast Guard enforces the federal...(Read More)