Kids LOVE Being Outside In The Summer! Make Sure They Are Safe!

The weather is warm, school is getting out… Yes, SUMMER! Which means, you have to watch the Kiddos and make sure they are safe and away from any harm.. Here is a good Article on Tips to keeping your kids (and yourself) safe this Summer…

Happy Memorial Day!!

Memorial Day


Memorial Day. A time for BBQ’s, Family, Friends and Fun… But there is so much more behind it than we REALLY celebrate. Memorial Day is a day for us to remember the fallen souls who died fighting for our country, the United States of America. So we are asking that in the midst of all your celebrations, you take a moment to think of and thank those that lost their lives fighting for our rights, fighting for our lives and fighting for us to have the freedom that we do today. I can’t think more of a selfless act, putting your life on the line for people you don’t know or may not even support you. We Salute You and We Thank You For Your Services…


Have a wonderful holiday weekend from A&S Insurance, LLC Staff!!

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Is Your Boat Insurance Up To Date?!

Boat Insurance

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It’s FINALLY officially “that time” of the year again… Boat Season!!! We all look forward to those weekends, or vacations to go out on the boat and relax with the family; soaking up the sun and the nature around you. But, is your Boat Insurance active? First check out the Link that shows what coverages are needed and what coverages are available.. Then leave us a Boat Quote and we will get back to you within 24 hours!




Why Are Auto Insurance Policies Rated Differently For Every Individual?

Different Auto Insurance Rates

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Have you ever wondered why your family members or friends pay more or less for insurance than you do, and you are the same age with the same amount of vehicles? People are ALWAYS asking us why their Premiums come in so high, only because they know someone who “Pays a lot less”; or vice-versa. The Link provided Has ALL the factors that Insurance Companies look at when they are rating your Quote and Policy. They look at a lot more than you probably thought, and just having one or two things missing can make a HUGE difference in your price…



It’s Pool Time! Does Your Homeowner’s Insurance Have The Right Coverage For Yours?

Homeowners Pool Credit Given To:






FINALLY!! The weather is warming up and going outside is more and more enjoyable, meaning one thing… Summer and hot weather is right around the corner! Pool owner’s are starting to uncover and prep their pools, so by Memorial Day it is up and running! 🙂 Make sure that you have the right coverage on your Homeowner’s, or Renter’s Policy for your Pool.. It could cause big problems without the correct coverage, and most Homeowner’s and Renters are not even aware that there are special coverages for owning and operating your pool in the Summer.  Follow this Link to give you information that you may/want to read up on to see how much you know about coverages..

Give us a call at 203-776-4998, and we can go over the coverages and make sure you don’t run into any problems with your Company in the future.. If you don’t have Insurance, give us a call for a FREE Home, Renters, Auto, Etc. Quote! We are here Monday through Friday, 10am to 6pm.






Your Insurance Premium Could Go Up If Your Not Careful!

State Cop Writing Ticket

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Governor Malloy passed a Bill  “New England Drive to Save Lives”. Which means the state of Connecticut’s Police will be cracking down on Speeding. If you are not careful, you could catch yourself with a ticket, making your Insurance Rates go UP! Drive Carefully and Safely!!!

Read More About The New Bill Here:

Although Motorcycles Are Fun, They Can Be Just As Dangerous..

Motorcycle AccidentPhoto Credit To    Picture076_11Sep04

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Let’s face it.. There’s no feeling like riding on your Bike with the wind in your face and the beautiful scenery. We all anticipate this time of year to get our Bikes back on the road.. BUT, like everything else, there is a down fall to riding a Motorcycle… SAFETY. Statistics show that over 4,000 people die from a Motorcycle accident.. Whether you are a new driver or you have years of experience, it’s good to know and go over some of the Safety Guidelines that come along with being a “Rider”.. Check out the Link below and make sure you know all the most important tips of keeping you and your loved ones safe! Happy Riding!!

State Cracking Down On Maine License Plates

Maine License Plate

The new fad is to Register your car in Maine, so you don’t have to pay any taxes on your vehicle.. Sounds like a good idea right? WRONG! The state of CT has caught on and they are cracking down on those driving around with Maine License Plates on their vehicles. Remember the Saying… “You get what you pay for” in this case, it may start out cheap, but it will end with you paying BIG time with the Department of Motor Vehicle and the State of Connecticut.. Follow the Link for more information…

Why Do I Need Flood Insurance?

Flooding occurs in moderate-to-low risk areas as well as in high-risk areas. Poor drainage systems, rapid accumulation of rainfall, snowmelt, and broken water mains can all result in flood. Properties on a hillside can be damaged by mudflow, a covered peril under the Standard Flood Insurance Policy. In high-risk areas, there is at least a 1 in 4 chance of flooding during a 30-year mortgage. For these reasons, flood insurance is required by law for buildings in high-risk flood areas as a condition of receiving a mortgage from a federally regulated or insured lender.

Flood Insurance New Haven CT



What Is Insurance?

Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for payment. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. An insurer, or insurance carrier, is selling the insurance; the insured, or policyholder, is the person or entity buying the insurance policy. The amount of money to be charged for a certain amount of insurance coverage is called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer’s promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.

Insurance New Haven, Car, Auto, Home

Merchants have sought methods to minimize risks since early times. Pictured, Governors of the Wine Merchant’s Guild by Ferdinand Bol, c. 1680.