Frequently asked questions
Our Insurance Products
Taking the time to understand auto insurance concepts, like the difference between "collision" and "comprehensive" coverage, can be frustrating when you are trying to shop on your own and you just want to know what kind of protection you will get. That's why Royko-Charamut Insurance prioritizes communication with clients, so our agents can translate industry terms into coverage explanations that leave drivers in Southington feeling confident they have exactly the coverage they need.
Starting with basic liability insurance and adding features until you have a personalized plan to address your needs means understanding the differences between drivers, car styles, and vehicles in different stages of their operating life. Royko-Charamut Insurance works with Nationwide to construct policies that meet your needs with options like comprehensive coverage against damage while parked or even robbery.
If you have questions about coverage options and policies, talk to one of our agents by calling us at (860) 721-9282. You can get answers, make a purchase over the phone, or schedule an in-person consultation meeting in our office at 200 Executive Blvd.
Buying home insurance does not have to be a difficult or confusing process. When you speak to the experienced professionals at Royko-Charamut Insurance in Southington, you can rely on clear, comprehensive, and accurate information to help you make the right choices for you and your family. We will help you recognize the pros and cons of each specific policy, so you are empowered to choose the one that offers the best coverage.
When you buy home insurance, you want peace of mind, not unpleasant surprises. For this reason, our agents are happy to explain all exclusions as well as the full extent of potential coverage before you make a decision as to your policy purchase. Royko-Charamut Insurance is available to discuss the variety of Nationwide home insurance products and to craft an individual policy that addresses the unique risks you face. Visit the office on 200 Executive Blvd or give us a call at (860) 721-9282 to find out the different ways in which you can customize your policy.
Your insurance policy should offer you the full coverage you need, without leaving you with coverage gaps or surprise exclusions. When you fully understand the policy provisions, you have the power to make the right choices to protect your family's financial security. Get in touch with Royko-Charamut Insurance and find out what you can do to protect your home today.
Finding peace of mind as a small business owner means being prepared for challenges your company might face as it grows. A good way to do that is by having a broad risk management plan and updating it after each new growth phase adds to the complexity of your operations. The Royko-Charamut Insurance works with Nationwide to make this easier by providing the kind of robust and customizable insurance that has already serviced over 500,000 small businesses.
To get the process started, Royko-Charamut Insurance may recommend purchasing a business owner's policy. This provides basic coverage along a variety of lines and represents the closest thing that business insurance has to a comprehensive policy. From there, agents conduct an On Your Side® Review to find specific areas where your company could use a little more coverage, and these vary quite a bit from business to business. Examples include insurance on your receivables, on equipment and other specific high-value assets, product liability, and basic property insurances.
Finding the right coverage for a small business in Southington is a process, but it is a process that Royko-Charamut Insurance has the experience to guide you through. That way, you have the security you need to take advantage of every new business opportunity. To get things started, call (860) 721-9282 for a phone consultation or to set an appointment for a meeting at our offices located on 200 Executive Blvd.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The Royko-Charamut Insurance also offers products in CT. Please call for information on products in those states.
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