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500 Bic Dr, Suite 102
Milford, CT 06461

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White Oak Insurance LLC Blog

What is Classic Car Insurance?

That jalopy in your garage that you keep under a protective cover needs more than just a tarp and the garage space. It requires classic car insurance from White Oak Insurance LLC, serving Milford, CT.

Why classic car insurance?

Typically, you will pay less for more coverage of your vehicle that is aged 25 years or older. With classic car insurance, you agree to drive your antique or classic automobile less than 1,000 for the year of coverage. Essentially, you get to drive it in parades and to car shows. That is it. You cannot use it for your commute or running errands, etc.

In exchange for this very limited use, you will get low premiums plus a choice between a policy that uses agreed-upon value or replacement value. That benefits you because most auto policies pay based on the current blue book value of a vehicle. Your pristinely restored 1963 Chevrolet Corvette Sting Ray with the convertible top that they only produced for six months of the year would get you a couple of thousand bucks if you were lucky when using regular auto coverage. A classic car policy though covers your baby at an agreed-upon value you negotiate with the insurance agency at the time you purchase the policy or the replacement cost of the vehicle as you have restored it. That means you would get the $148,000 necessary to actually replace your Concours rated Corvette with another Concours rated Corvette.

After you have put the effort in to restore or rebuild a vehicle, you want it to remain perfect. Perhaps the accident that occurs does not total the vehicle. Maybe it only amounts to a fender bender. The classic car coverage pays for genuine replacement parts of the same model year and make. That helps you keep your restored vehicle at a Concours rating.

Call or email White Oak Insurance LLC today to find out how best to protect that cherry coupe you have tucked away in your Milford, CT garage. We can help you insure your classic or antique vehicle, to protect the hard work you devoted to its preservation.

Buying Connecticut Umbrella Insurance

When Milford, CT residents are looking to protect their assets and limit their liability, they speak with the professional insurance agents at White Oak Insurance LLC to ensure they have the coverage they need. Often, that recommendation is the consideration of adding umbrella insurance coverage to your insurance portfolio. Whether an umbrella policy is the right idea for you and your family will depend on several factors, and a professional White Oaks Insurance agent can sit down with you and discuss your options.

Buying Connecticut Umbrella Insurance

Buying Connecticut umbrella insurance protects you if any adverse legal judgment exceeds your current insurance protection. As an example, assume someone gets injured on your property, and their medical bills exceed the limits set by your home insurance coverage. The purpose of an umbrella policy is to cover those potential gaps in coverage that could leave you vulnerable to financial disaster. Speaking with a White Oak Insurance LLC agent today will be the beginning of additional insurance protection should you believe you need umbrella coverage in the Nutmeg State. The last thing you want is to risk losing it all should something happen on your property, so find out how you can protect yourself with umbrella insurance coverage.

Contact our Team at White Oak Insurance LLC for Your Umbrella Insurance

Making sure that you have the coverage you need is what we do here at White Oak Insurance. Serving the Milford, CT business community, White Oak Insurance LLC understands the needs of community members looking for the best insurance coverage possible, and we look forward to meeting you to find an insurance policy that fits all of your needs, so to contact our friendly and knowledgeable team for a free, no-obligation quote.

How can auto insurance protect someone in Connecticut?

The Milford, CT area is a great place for someone to live. While there is plenty of great professional and recreational opportunities to enjoy in the local area, it would still make sense for most people to purchase a car. If you are going to buy a vehicle in this area of the state, it is vital that you get an auto insurance policy as it can protect someone in several ways. 

Gives Liability Protection

One way that an auto insurance policy can protect someone in Connecticut is by providing them with liability insurance. Driving a car is generally a safe activity, but accidents do happen from time to time. If you are at fault in an accident, you could be held liable for damages. When you have auto insurance, you are going to receive the coverage that you need to pay for these damages. Beyond providing you with peace of mind, this coverage will also ensure you are in compliance with state insurance requirements. 

Protects Vehicle

While liability protection is very beneficial, you will also want an auto insurance policy because it will protect your vehicle. With a full auto insurance policy that has collision and comprehensive coverage, you will also receive the protection you need against a variety of situations that could result in a loss. This will include theft, vandalism, or damage you incur in an accident. 

As you are looking for an auto insurance policy in the Milford, CT area, you should call the team at White Oak Insurance, LLC. The insurance team at White Oak Insurance LLC can help anyone here better understand all of their insurance needs and options. This will help to ensure that you receive appropriate coverage and have peace of mind. 

Does my small business in Connecticut need commercial insurance

Milford is one of the oldest cities in Connecticut and has a thriving business community. As a business owner, you know that owning your own business can be challenging, and there are plenty of things to worry about. One of them should not be whether your business is protected. Commercial insurance is not one size fits all, and the agents at White Oak Insurance LLC can walk you through the different options that may fit your business.

In Connecticut, the law requires that you protect your employees with workers’ compensation insurance. It protects your employee against work-related injuries or health conditions. Safeguarding your employees helps with retention, so it is a real benefit to your business. The only other type of commercial insurance that you need is commercial vehicle insurance if you have a business owned and used vehicle. 

But some types of commercial insurance are more valuable to your business. Commercial property insurance protects not only your actual location, but it also covers your business equipment, inventory, machinery, and other items that you need to do business. Commercial liability insurance protects you from legal action taken against you no matter what the reason. It can be someone hurt on your premise or by one of your products or services and even a disgruntled employee. 

Business interruption insurance can be valuable coverage if your business is affected by a covered hazard. Your day to day expenses doesn’t go away just because your company has been damaged. 

Having is successful business takes a lot of work. Let the experienced staff at White Oak Insurance LLC in Milford, CT help you to take some of the stress out of business ownership with commercial insurance that is tailored to your business. There is no need to pay for coverage you don’t need. Give the office a call for a  no-obligation quote.

Do I need home insurance if I don’t have a mortgage

Milford, CT was settled in 1639 and is very proud of its place in the history of Connecticut. It has always been a desirable place to call home, and nothing has changed in that respect. Homeownership comes with plenty of things to worry about, but whether or not you have the right home insurance shouldn’t be on that list.  With the team at White Oak Insurance LLC available to help you, choosing the right insurance should be a snap.

When you have paid off your mortgage, you may wonder if you still need home insurance. Everyone likes to save money, but this is one case where saving a little bit of money could end up costing you a lot of money. Home insurance offers some valuable protections that could save you a lot of sleepless nights if you don’t keep your home insurance.

Bad things can happen without warning, and you don’t have to be engaging in any risky behavior to be a victim. No one is immune to the damage caused by things like tornados and other violent winds. In Connecticut, ice storms cause lots of damage. It will not only damage your physical home; it can destroy all your personal possessions. Your home insurance can help you to replace what is lost. 

Being without liability insurance can end up with you losing everything that you have worked so hard to accumulate. People get injured, people sue, it is a fact of life. Your liability insurance can help to pay a judgment against you. 

The answer to the question, “do I need home insurance if I don’t have a mortgage?” is yes, you do. At White Oak Insurance LLC in Milford, CT, we know that your home is your castle, and that castle needs to be protected at a price that you can afford. You can stop by the office or give us a call for a free no-obligation quote.

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • 24 hour policy access online

States Served

  • Connecticut
  • Massachusetts
  • Rhode Island
  • New Hampshire
  • Vermont
  • Maine

Partner Carriers

  • American Commerce
  • American Modern
  • AmTrust
  • Banner
  • Chubb
  • Dairyland
  • Foremost
  • Guard
  • Hagerty
  • Hanover
  • Harleysville
  • John Hancock
  • Kemper
  • Liberty Mutual
  • Lincoln Life
  • MetLife
  • Narragansett Bay
  • National General
  • National Grange
  • New York life
  • Progressive
  • Prudential
  • Quincy Mutual
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Utica 1st