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Insurance Providers

Because we are independent we can choose rates and coverage options from multiple insurance companies – and that can save you money.

Standard Insurance Agency is proud to represent and offer products from the following Insurance companies. We have chosen to insure our clients through these organizations based on their excellent customer service, fast claims processing, depth and breadth of coverage, and their competitive rates for homeowners insurance and automobile policies.

Travelers	CHUBB	Progressive
Nationwide / Harleysville	MAPFRE	Bunker Hill
Plymouth Rock

There are 3 main sources for insurance:

Independent Insurance Agents and Brokers represent multiple insurance companies. Our competitive advantage is that we can constantly research and compare programs from multiple insurance companies, finding the right combination of price, coverage and service that is right for you. Best of all, we represent the insurance companies you have come to know by name through their years of providing coverage – the difference is: now you have Standard Insurance Agency on your side to help identify your needs, maximize your coverage and save you money on your insurance premiums.

Captive Agents sell you only the insurance coverage provided by the company they work for. They cannot shop around to find the rate that’s best you, but instead sell you what works best for them. While the insurance companies and their offerings are not necessarily bad, their not necessarily what’s best for you. Does this sound like the scenario that is best for you.

Telephone Representatives who often are out of state, are not always as familiar with the intricacies of Connecticut’s insurance regulations as a local agent would be. Problem is: you simply do not know who they are or what their qualifications are. Most importantly, if they are tied to a single insurance provider, there is little they can do for you other than offer their one rate.

24-Hour Claims Hotlines:

PLEASE BE SURE TO HAVE YOUR POLICY INFORMATION ON HAND WHEN YOU CALL.

Travelers:	1-800-CLAIM33
CHUBB:	1-800-252-4670
Progressive:	1-800-925-2886
Nationwide / Harleysville:	1-800-892-8877
MAPFRE:	1-877-224-5677
Bunker Hill:	1-888-472-5246
Plymouth Rock:	1-888-324-1620

To discuss incidents prior to making claims, please call Standard Insurance Agency prior to making your claim.

7 Myths About Home & Auto Insurance

Which Ones Do You Believe?

Myth #1:	The insurance companies that advertise that they “cut out the middle man” have the lowest insurance rates.
Fact:	The insurance companies who “cut out the middle man”, spend huge amounts of money on advertising. And guess what, they still have to pay their sales force and customer service staff. By shopping the market for you, we almost always beat the pricing offered by the insurance companies who “cut out the middle man”.

Myth #2:	Home and auto insurance prices are pretty much all the same.
Fact:	While there may have been some truth to this in the past, it is not true at all today. In the old days, most insurance companies based homeowners pricing on the value of your home, the town it was located in, and some basic characteristics of the house. On auto they looked at the type of cars, the age of the driver and motor vehicle records. Today, most insurance companies base their pricing on computerized models that look at a great number of variables. They now understand that the people who live in the house and drive the cars are as important as or more important than the house or the cars themselves when it comes to predicating losses and rating policies. Since these models have different assumptions, they can create very large price differentials between companies. Sometimes as much as 50% or more! The only way to find whether you are overpaying for your insurance is to have an insurance professional shop the market to compare rates for you.

Myth #3:	My insurance company has unique features that other companies do not have.
Fact:	Insurance is a very regulated business. Almost all policies must be approved by the Connecticut Insurance Department. The overwhelming majority of companies use standard forms developed by ISO. For example, most homeowners policies are written using a HO3 form. However, companies then offer coverage options and upgrades that require careful review with an insurance professional. Your company is almost certainly not unique in being able to offer specific or additional coverage.

Myth #4:	My insurance company is uniquely good. I had a $5000 claim 5 years ago and they paid it – no questions asked.
Fact:	There are many good insurance companies out there. Almost any top-rated carrier has excellent claims processing. However, many people are surprised when their insurance company actually pays a claim. But if you think how much you have paid into an insurance company (let’s say $3, 000 a year for 10 years), you should not be so surprised that they happily paid you $5,000 to cover a claim.

Myth #5:	My insurance company is great. I had a claim, and they didn’t cancel me!
Fact:	Any good insurance company has a lot of flexibility when dealing with claims. The type and number of losses you have experienced is only part of what they look at. Remember most people experience a loss of some type over their life a good company knows that.

Myth #6:	I’m sure I am getting a good rate on my insurance. It was the best I could find a few years ago and it hasn’t changed much since then.
Fact:	The only way to be sure you aren’t paying more than you should be is to have an insurance professional discuss your insurance needs, analyze your existing policies, and shop the market for the best value available to you. You should go through this process at least once every 2 or 3 years. Rating variable change and companies adjust rates all the time.

Myth #7:	Changing insurance companies is a difficult and time consuming process.
Fact:	If you work with a knowledgeable insurance professional the process is actually very easy. It only takes a few minutes to gather the data needed to shop your insurance for you. If you like the price and company we find for you it’s as easy as reviewing and signing the applications.

If you find that you believe (or believed!) any of the above myths, you should call the insurance professionals at Standard Insurance Agency at (866) 400-3567.

8 Reasons To Get A Quote

You’re moving and need insurance
You have a security system or are considering adding one and want to maximize your insurance savings
You have been with the same insurance company and want to see how much money you can save with some of the new programs
Construction/Replacement costs have changed and you’re not sure if you have adequate coverage.
You have not had a professional review your policy with you in a few years
You have above average credit which can translate into additional savings
You want an agent you can talk to
You think you’re paying too much

10 Homeowners Insurance Mistakes

Your dwelling limit is inadequate to rebuild your home.
You think the market value of your home and your policy limit should be the same.
Your policy deductible is too low.
Your liability limit is too low.
You don't know if your policy includes personal injury coverage or you don't know what personal injury coverage provides.
You have not shopped your policy in a few years.
You think the "best" rates are only available online for do it yourself shoppers.
Your policy does not include some form of additional replacement cost coverage.
You are not receiving all the discounts you deserve.
You think all homeowners policies are the same.

Motorcycle Safety Tips

Before every ride, check the tires, brakes, chain, oil, fuel, light, signals and horn
On the road, use the SEE strategy, SEARCH around you for potential hazards, EVALUATE any possible hazards, and EXECUTE the proper action to avoid the hazard.
Wear a helmet, it can save your life.
Always use eye protection and highly visible clothing
Know your motorcycle and keep it properly maintained
To enjoy riding for many years to come you cannot become complacent about your level of riding skill no matter how experienced you are so sign up for an advanced rider course.

Insurance Providers

There are 3 main sources for insurance:

24-Hour Claims Hotlines:

Standard Insurance Agency Offers Progressive Insurance

Shop with a Local Independent Insurance Agent

About Harleysville Insurance

Let Standard Insurance Agency quote you a policy from Travelers

MAPFRE Insurance

Bunker Hill

Standard Insurance Agency Offers Chubb Insurance

Assurance from Plymouth Rock

We Offer Insurance From The Hartford Insurance Company

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