---
title: Insurance Blog | The Russell Agency, LLC in Southport, Connecticut
description: Read the Russell Insurance blog for local, interesting and up-to-date Connecticut insurance news.
---

# INSURANCE BLOG

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[**What is a hurricane deductible?** — The Connecticut Legislature passed Public Act 12-62, which was signed into law in June 2012. According to the act, insurers are allowed to impose a hurricane deductible in the policy in lieu of an overall policy deductible for homeowners and certain other policies issued or renewed on or after July… — May 27, 2020](/blog/2020/what-is-a-hurricane-deductible)

[**Storm damage—what’s covered?** — **Generally, how does my homeowners policy respond to storm damage to my property?** — Your homeowners policy covers most losses that may occur to your dwelling and personal property. Commonly, losses resulting from theft, fire, wind, vehicles and vandalism are covered. — **What if there is damage…** — May 26, 2020](/blog/2020/storm-damage-what-s-covered)

[**FAQs on Connecticut’s grace period for insurance premium payments** — **Who does the order apply to?** The executive order applies to all insurers licensed or regulated by the Connecticut Insurance Department. **What must insurers do?** All insurers must give policyholders unable to pay their premiums due to COVID-19 related financial hardship 60 days before cancelling the… — May 20, 2020](/blog/2020/faqs-on-connecticut-s-grace-period-for-insurance-premium-payments)

[**Questions that homeowners may have about their property-loss claim following a catastrophic event** — Your property insurance covers many events that can cause damage to your property. Unfortunately, not every event is covered. Earthquakes, floods and power blackouts are examples of events typically excluded without special arrangements for endorsements or separate policies. Even though excluded… — May 18, 2020](/blog/2020/questions-that-homeowners-may-have-about-their-property-loss-claim-following-a-catastrophic-event)

[**Employee or independent contractor?** — There is a common mistake employers across the U.S. are making that could cost them a lot of money: Misclassifying their employees as independent contractors. It’s easy to do, but the cost of doing so could be drastic. — It is not a secret that Uber is fighting several lawsuits filed by its… — May 15, 2020](/blog/2020/employee-or-independent-contractor)

[**How does my auto insurance react to pothole damage?** — If you have collision coverage, your auto insurance policy will cover damage caused by hitting a pothole. Potholes can impair alignment, ruin shocks and struts, puncture tires, bend wheel rims and damage other parts located under the auto. Since “collision means the upset of ‘your covered auto’ or… — May 13, 2020](/blog/2020/how-does-my-auto-insurance-react-to-pothole-damage)

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