Chittenden-Warwick Insurance Agency

08/06/2026

Another frequently asked question we hear is: "Does my homeowners insurance cover flood damage?"

The answer is...One of the biggest misconceptions in insurance is that flood damage is covered under a homeowners' policy.

Unfortunately, it usually isn't.

Flood insurance is a separate policy, and with heavy rainfall becoming more common, it's worth reviewing your protection—even if you don't live near the coast.

Need to know if you're protected? We're happy to review your coverage.

Call us before the next storm—not after.

Visit: www.chittendengroup.com
Call: (203) 723-7447

08/04/2026

Hurricane Season Is Intensifying. Is Your Business Ready?

When a hurricane is forecast, every hour counts. Having a plan in place before the storm arrives can help protect your employees, property, equipment, and operations.

We've created a "Business Hurricane Preparedness Checklist" to help you prepare before severe weather strikes.

✅ Protect your facility
✅ Safeguard critical data
✅ Prepare your team
✅ Review your insurance coverage
✅ Minimize downtime after the storm

Download and print this checklist today! Keep a copy in your emergency response binder so it's readily available when you need it most—not when the storm is already on the way.

At the Chittenden Group, we're committed to helping businesses prepare for the unexpected.

Protecting what matters since 1928.

Visit: www.chittendengroup.com
Call: (203) 723-7447

08/03/2026

"Absolutely hands down the best." Suzanne B

Five simple words. They mean everything to us.

At the Chittenden Group, we believe great insurance is about more than finding a policy—it's about building relationships, earning trust, and being there when our clients need us most.

For nearly 100 years, that's been our commitment: delivering personalized guidance, responsive service, and advocacy every step of the way.

To Suzanne, who shared this review, thank you for your confidence in our team. Your trust is the greatest compliment we can receive.

Protecting what matters most since 1928.

Call: (203) 723-7447
Visit: www.chittendengroup.com

07/30/2026

Hurricane Season Is Intensifying. Is Your Insurance Ready?

As storms become more frequent and more severe, now is the time to review the assets you've worked so hard to build.

Consider asking yourself:

• Is your home's replacement value still accurate with today's construction costs?
• Are luxury furnishings, fine art, jewelry, wine collections, and collectibles properly insured?
• Do you have adequate flood, excess liability, and backup power coverage?
• Do you have a plan for protecting secondary homes, boats, or other valuable property?

At the Chittenden Group, we believe exceptional insurance is about proactive planning—not reacting after a loss. As an independent agency, we work with leading insurance carriers to design protection that reflects your lifestyle, not a one-size-fits-all policy.

Don't wait until a storm is named to discover a gap in your coverage.

Visit: www.chittendengroup.com
Call: (203) 723-7447

07/28/2026

"They literally cut my bill in half."

There's nothing more rewarding than hearing from clients who experience the difference an independent insurance advisor can make.

One client recently shared that when they first came to the Chittenden Group, we cut their insurance costs in half. Even more importantly, we've continued to review their Auto, Home, and Umbrella policies every year—finding additional savings for three consecutive years while maintaining the same or even better coverage.

That's because we don't believe our job ends when your policy is issued.

As an independent agency representing more than 20 leading insurance companies, we continually advocate for our clients—reviewing coverage, comparing options, and helping ensure they're receiving the protection they need at the most competitive value.

Thank you to our wonderful client for trusting us and for recommending us to friends and family. Your confidence means everything to us.

Protecting what matters most isn't a one-time event—it's an ongoing commitment.

Call: (203) 723-7447
Visit: www.chittendengroup.com

07/27/2026

Does my insurance cover my child while they are in college?

One of the most common questions we receive each August is whether a child leaving for college is still covered under the family's insurance.

The answer depends on several factors, including:

• Where they live
• Whether they have a vehicle at school
• Valuable electronics
• Jewelry
• Liability exposures

Before move-in day, it's worth reviewing your family's policies to ensure there are no unexpected gaps.

At the Chittenden Group, we'll walk you through exactly what's protected so your family can focus on this exciting milestone with confidence.

Call: (203) 723-7447
Visit: www.chittendengroup.com

07/22/2026

How Can I Lower My Insurance Premium Without Sacrificing Coverage?

Everyone wants to save money—but cutting the wrong coverage can be far more expensive in the long run.

The good news? There are often smarter ways to reduce your premium without compromising your protection.

Some options may include:
✔ Bundling your home and auto policies
✔ Adjusting deductibles to match your financial comfort level
✔ Taking advantage of available discounts
✔ Updating your home's safety features
✔ Reviewing your coverage to eliminate overlaps—not essential protection

The key is understanding where you can save and where you shouldn't.

At the Chittenden Group, we don't believe in one-size-fits-all insurance. We review your policies, compare options with more than 20 highly rated insurance companies, and help you make informed decisions that balance cost with the protection you need.

Because the best insurance isn't always the least expensive—it's the one that's there when you need it most.

Call: (203) 723-7447
Visit: www.chittendengroup.com

07/21/2026

Your Greatest Business Asset Isn't Your Building. It's Your People.

Finding and retaining great employees has become one of the biggest challenges facing businesses today. Yet many organizations spend far more time protecting their physical assets than they do preparing for the risks that could impact their workforce.

Things to consider:
• Are your employee benefits still competitive?
• Do your employment practices reduce legal exposure?
• Could a workplace injury significantly impact operations?
• Are your key employees adequately protected?
• Do your insurance and risk management strategies support long-term business continuity?

Protecting your business isn't just about replacing a building after a fire or recovering from a cyberattack.

It's about creating a resilient organization that can continue to thrive through unexpected challenges.

The Chittenden Group believes risk management extends well beyond an insurance policy. We help businesses evaluate exposures that affect their people, operations, and long-term success—because the strongest companies plan ahead.

For nearly 100 years, we've partnered with Connecticut businesses to help protect what they've worked so hard to build.

Call: (203) 723-7447
Visit: www.chittendengroup.com

07/20/2026

Sometimes the shortest reviews say the most.

Thank you, Michael, for your kind words and for trusting the Chittenden Group with your insurance needs.

For nearly 100 years, our mission has been simple: provide trusted guidance, advocate for our clients, and build relationships that last. Whether we're helping you find the right coverage, navigating a claim, or reviewing your policies each year, we're honored to be your partner in protecting what matters most.

Visit: www.chittendengroup.com
Call: (203) 723-7447

07/15/2026

What Does My Insurance Actually Cover?

It's one of the most common questions we hear—and one of the most important.

Many homeowners assume their policy covers everything. Unfortunately, that's not always the case.

Depending on your policy, you may have limited coverage for:
-Jewelry and watches
- Fine art and collectibles
- Identity theft and cybercrime
- Water backup and flooding
- Home-based businesses

The best time to discover a coverage gap is before you have a claim—not after.

At the Chittenden Group, we believe insurance should never be a guessing game. We'll walk you through your current coverage, explain what's protected, identify any gaps, and recommend solutions that fit your lifestyle and priorities.

Because peace of mind starts with knowing exactly what your insurance does—and doesn't—cover.

Call: (203) 723-7447
Visit: www.chittendengroup.com

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