SAVA Insurance Group is a full service, family-owned, local insurance agency based in Waterford, Connecticut that offers a wide range of personal and business insurance products. For nearly 20 years, SAVA’s dynamic team has been “Guided by Heart,” offering caring, compassionate, and knowledgeable service to everyone they have the pleasure to meet and volunteering for and contributing to many different nonprofit organizations.
Embraces a culture of kind, caring, helpful and supportive tea members.
We are flexible, versatile, cooperative and accommodating to our clients needs.
Delivers exceptional service to our clients by a team of educated trusted advisors.
We are friendly courteous, accommodating, and responsive to our clients needs.
Understands the importance of volunteering and giving back to our community.
Thankful, grateful, and honored to be our clients agent of choice.
Courteous and respectful to our team members, our clients and our community.
Protective of our reputation by conducting business with honesty and integrity.
Embraces and invests in innovative technology to assist in the ease of doing business.
of claims denied by Insurance Companies are a result of Unreported Property or Vehicles
of denied claims result from unreported changes in your life style
of claim problems can be eliminated with a quick review.
savings can be achieved when we review and combine your policies!
As you would with any of your professional advisors, please call to schedule an appointment prior to stopping into the agency. This will allow time to review your account prior to your appointment and allows your account manager to block out ample time from their schedule to address all of your questions. If you stop in without an appointment your Personal Account Manager could be assisting another client and be unable to help you at that time.
In order to make a change to your legal document or policy, companies now require your request in writing. Not only does it ensure accuracy, but it saves you time and allows you to make your request on your schedule, not ours. There are three convenient options:
Most of us have credit cards. If you have one, and you have a question, you automatically contact the credit card company, not the bank issuing the card. Our primary job is to help protect your assets. Since the insurance company is responsible for billing, they will always direct you to the company for these questions.
Our agency will accept the required down payment on your account. However, we will not accept your monthly payments. Please mail your payment directly to your company or call the company to see the quickest method of payment accepted over the phone. We can also set you up on a electronic funds withdrawal directly from your checking account, or give you the company website to pay online. Our agency will not take responsibility if a payment is lost in the mail or any bank late fees.
Please note, if your insurance company doesn’t receive your payment by the due date on your bill, they will charge your account a late fee. Make every attempt to mail your payment in advance of the due date to avoid any late fees or a lapse in coverage. Many carriers will not reinstate your policy if your payment is late. When we try to replace your coverage you could be paying an increase in premium.
Although flu season traditionally peaks in winter, it can start as early as October and can put employees out of work for an extended period of time. The flu is an infection of the nose, throat and lungs caused by the influenza virus—with symptoms including......
Have you jumped on the latest bandwagon that includes a remote control and a quadcopter soaring over your property? If so, you might want to read up on the rules in your area to make sure you are within limits and not breaking any laws. ......
GRACE June 1, 2011 ASK SAVA: I hear about Identity Theft every day from someone, from losing their credit card to concerns about their medical records. Q – Everyone needs to understand the basics of identity theft. If you have a television and actually get......
GRACE Mid May 2011 ASK SAVA: What do you think about insurance on my new toy – a motorcycle. Is there a special policy for items such as RVs, boats, and motorcycles? Should I just get a quick, inexpensive policy? What do I need to......
Question: “Halloween is a wonderful holiday, but I recently read a study by the CDC (Center for Disease Control) that the potential for automobile related accidents with young pedestrians increases four times on Halloween. What can we each do to protect our children and ourselves......
GRACE‐April 2011 Q – I am concerned about the new health care changes and how it affects preventive care services, are some still free? A – Generally yes. Under the Patient Protection and Affordable Care Act (PPACA), qualifying health insurance plans must offer certain preventive......
Question: “I work from home, and I guess I haven’t been really thinking of myself as a ‘business’, just as a consultant. In my type of business, what can I do to protect myself from the possibilities of an unhappy client?” M.D., Mystic, CT Answer:......
Question: “I do a lot of shopping at Christmastime, and generally have many packages left in my car as I go from shop to shop. What about the gifts sitting in my car, do I have coverage if they are stolen?” from S. M. Hartford,......
Question: “An employee of mine rented a car while on a business trip and caused an accident. We understand that the case may go to civil court. If he get sued, who is responsible, him or me as his employer?” S.D., East Hartford, CT Answer:......
Question: “One of my New Year’s Resolutions is to get myself organized. And that includes my financial records. But, I don’t know what to keep and for how long? Can you advise me?” S. M., W. Hartford, CT Answer: We hear this Resolution frequently. Here......