Connecticut Insurance Agency: Finding You The Right Coverage
Finding the right insurance coverage in Connecticut can be a headache.
With so many options and fine print, how do you know which policy actually protects you and your loved ones?
That’s where The Allen Thomas Group comes in. As Connecticut’s premier independent insurance agency for over 20 years, we cut through the confusion to get you the optimal insurance for your unique needs.
Whether you need coverage for your home, auto, business, or life in Connecticut, our experienced agents have got you covered.
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Our Values: Your Peace of Mind is Our Top Priority
At The Allen Thomas Group, we believe insurance should bring you peace of mind, not stress. As independent agents, we work for you – not the insurance companies.
We compare policies from top insurers like Travelers, The Hartford, Progressive, and Liberty Mutual to find you the best fit.
No pressure, no upselling, just honest advice from agents who treat you like family.
We know there’s more to life than worrying about deductibles and claims.
With the right insurance, you can focus on what really matters – your family, health, and dreams.
At The Allen Thomas Group, our dedicated team of agents truly cares and aims to make insurance simple.
We combine expertise with a personal touch to best protect what matters most to you. Our licensed agents have years of experience tailored to the unique needs of Connecticut residents and businesses.
We invite you to contact us today to discuss your insurance needs, get quotes for free with no obligation, and find policies that fit your lifestyle and budget.
Reach out online or over the phone today.
When you work with The Allen Thomas Group, you’re not just another account – you become part of our family.
We value building long-term relationships and being your trusted advisor for all aspects of your insurance program.
Personal And Business Insurance Solutions in Connecticut Built For You
We know how frustrating and complex the process of finding the right insurance can be.
Let us help fix it for you in 3 easy steps!
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Lower premiums don’t have to mean less coverage. You need a trusted agent who knows where to look.
Cities We Serve In Connecticut
Ansonia
Avon
Berlin
Bethel
Bloomfield
Branford
Brookfield
Brooklyn
Burlington
Canton
Cheshire
Clinton
Colchester
Conning Towers Nautilus Park
Coventry
Cromwell
Darien
Derby
East Haddam
East Hampton
East Hartford
East Haven
East Lyme
East Windsor
Ellington
Farmington
Granby
Griswold
Groton
Guilford
Hebron
Kensington
Killingly
Ledyard
Madison
Mansfield
Monroe
Montville
New Canaan
New Fairfield
New London
New Milford
North Branford
North Haven
Oakville
Old Saybrook
Orange
Oxford
Plainfield
Plainville
Plymouth
Portland
Prospect
Putnam
Redding
Ridgefield
Riverside
Rocky Hill
Seymour
Simsbury
Somers
Southbury
South Windsor
Stafford
Storrs
Suffield
Thompson
Thompsonville
Tolland
Vernon
Wallingford Center
Waterford
Watertown
West Hartford
Weston
Westport
Wethersfield
Willimantic
Wilton
Winchester
Windham
Windsor
Windsor Locks
Wolcott
Woodbridge
Woodbury
Our Coverage Options
From auto insurance to business policies and everything in between, The Allen Thomas Group is your one-stop shop for insurance in Connecticut.
Auto Insurance
Driving around Connecticut should be carefree, but expensive repairs and accidents can quickly derail your plans. At The Allen Thomas Group, our auto insurance packages prevent these inconveniences from becoming full-blown crises.
We partner with top insurers to offer:
- Liability coverage in case you cause an accident.
- Collision coverage so your car gets fixed after an accident.
- Comprehensive coverage for damage from theft, storms, and vandalism.
- Uninsured motorist coverage if the other driver has no insurance.
- Rental reimbursement if your car is in the shop.
- Gap insurance to pay off your totaled car loan.
Homeowners Insurance
We offer home insurance policies from Connecticut’s most trusted providers, including:
- Coverage for damage from common risks like fire, lightning, and wind.
- Options to insure older homes, rental properties, and condos.
- Liability protection if someone gets injured on your property.
- Coverage for stolen or damaged possessions.
- Options to add flood insurance, even if you’re not in a flood zone.
- Discounts for safety features like smoke detectors and security systems.
Whether you live in a city like Stamford or a small town like New Haven, we’ll find you the right home insurance for your location and lifestyle.
Life Insurance
Life is unpredictable. Make sure your loved ones are protected no matter what. The Allen Thomas Group offers personalized life insurance policies designed around your family’s financial needs.
We partner with highly-rated life insurance companies to offer:
- Term life insurance for temporary needs like covering a mortgage.
- Permanent life insurance that builds cash value alongside death benefits.
- Survivorship or “second to die” policies to insure both spouses.
- Policies with guaranteed premiums that never increase.
With the proper life insurance coverage, you can ensure your family’s financial security for decades to come.
Business Insurance
Running a business in Connecticut has its challenges. Insurance shouldn’t be one of them.
The Allen Thomas Group offers customized commercial insurance packages so you can focus on your company, employees, and clients – not claims and liability.
Our business insurance options include:
- General liability insurance to protect against property damage, injuries, or third-party claims.
- Professional liability insurance for service professionals like doctors and lawyers.
- Product liability insurance if you manufacture or sell products.
- Commercial auto insurance for company vehicles.
- Home-based business insurance.
- Workers’ compensation insurance.
- Business interruption insurance to replace lost income if you can’t operate.
- Cyber liability insurance for protection against data breaches.
Whether you own a shop in New Haven or a consulting firm in Hartford, we’ll ensure your business is properly covered.
We know insurance can be complex and confusing.
Here we’ve answered some common questions from Connecticut residents and business owners about protecting their assets.
What requirements are there for home insurance in Connecticut?
Connecticut law does not mandate home insurance, but most mortgage lenders will require you to have a homeowners policy. Typical coverages include dwelling coverage, personal property, loss of use, personal liability, and medical payments. We recommend coverage equal to the rebuilding cost of your home.
Does Connecticut require flood insurance?
Flood insurance is not required by state law, but may be required by your mortgage lender if you live in a high-risk flood zone.
We recommend flood insurance even if you live outside a designated flood zone, since over 20% of NFIP claims come from low-to-moderate risk areas.
What is the minimum auto insurance required in Connecticut?
Connecticut requires at least 25/50/25 liability coverage: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage.
We recommend higher 100/300/100 limits or better. Uninsured motorist coverage is also required.
How much car insurance do I need in Connecticut if I lease?
Auto leases usually require a minimum of comprehensive and collision coverage with deductibles of $500 or less.
We recommend gap insurance to cover the difference between the car value and remaining lease payments if it’s totaled.
What business insurance does Connecticut require?
Connecticut mandates worker’s compensation insurance if you have 1 or more employees. Other common policies like general liability, professional liability, cyber insurance, etc. are recommended but not legally required. An independent agent can advise on the right coverages.
What are Connecticut's life insurance regulations?
Life insurance is regulated by the state to protect consumers. Connecticut requires insurers to maintain minimum reserves to pay out claims. Permanent life policies with cash values cannot lapse solely due to changes in interest rates.
Does Connecticut offer insurance discounts?
Yes, Connecticut requires insurers to offer discounts for certain safety features. For example, companies must provide homeowners discounts for deadbolts, smoke alarms, fire extinguishers, and burglar alarms.
Our Carrier Partners
That allows us to find the best rates for your personal and business needs
Get Expert Guidance for Your Unique Insurance Need In Connecticut With The Allen Thomas Group
Finding the right insurance can be overwhelming, but The Allen Thomas Group simplifies the process. As trusted independent agents, we get to know you, understand your needs, and match you with optimal coverage.
Protect what matters most with customized insurance for your home, auto, business, and life.
Contact The Allen Thomas Group today at (440) 826-3676 for your free insurance quote.
