Farmers Insurance Agency - Dennis Perkins Jr.

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Farmers Insurance Agency - Dennis Perkins Jr. As your local Farmers® agent in Danbury, CT, I help customers protect what's most important. Disclosure: farme.rs/disclosure

When a business experiences a fire or another covered property loss, the physical damage may be only one part of the fin...
10/15/2026

When a business experiences a fire or another covered property loss, the physical damage may be only one part of the financial impact.

What about revenue lost while repairs are underway? What about continuing expenses such as rent or payroll?

Business interruption coverage may help with eligible income losses and certain ongoing expenses when the interruption results from a covered cause of loss and policy conditions are met.

It doesn't automatically cover every closure. Waiting periods, coverage periods, limits, and exclusions can make a major difference.

A useful business continuity plan includes both how you'll repair the property and how you'll manage financially if operations have to stop.

A customer slips in a store. A visitor trips over equipment at a worksite. Someone claims your business damaged their pr...
10/15/2026

A customer slips in a store. A visitor trips over equipment at a worksite. Someone claims your business damaged their property.

These situations can lead to liability claims, legal expenses, or compensation demands.

Commercial general liability insurance may help with certain bodily injury and property damage claims, subject to the policy's terms, exclusions, and limits.

But the right protection depends on the business. A contractor, retail shop, consultant, and restaurant can face very different exposures.

Business owners should understand which risks their policies address—and which may require separate coverage or endorsements.

When an insurer declares a vehicle a total loss, the settlement is not necessarily the amount you originally paid for th...
10/14/2026

When an insurer declares a vehicle a total loss, the settlement is not necessarily the amount you originally paid for the car.

The insurer generally evaluates the vehicle's value under the applicable policy and state requirements. Factors can include its age, mileage, condition, equipment, and comparable vehicles.

If you disagree with a valuation, review the settlement explanation and check whether the vehicle details are accurate. Gather maintenance records, photos, and comparable listings that may help explain your position.

Your policy and applicable Connecticut rules determine the process, so don't hesitate to ask questions if something doesn't add up.

Imagine a covered fire makes your home temporarily uninhabitable. Where would you stay, and who would pay for the additi...
10/14/2026

Imagine a covered fire makes your home temporarily uninhabitable. Where would you stay, and who would pay for the additional expenses?

Some homeowners policies include Additional Living Expenses (ALE) coverage. When a covered loss triggers it, ALE may help pay eligible costs above your normal living expenses while your home is being repaired.

However, coverage is subject to policy limits, conditions, and the reason the home cannot be occupied.

Keep receipts for temporary lodging, meals when eligible, and other related expenses. Ask your insurer what is covered, whether approval is needed, and how long benefits may last.

Knowing this coverage exists—and understanding its limits—can make an already difficult situation easier to navigate.

Following Connecticut's September flooding, the state issued an October 9 notice reminding affected residents, businesse...
10/13/2026

Following Connecticut's September flooding, the state issued an October 9 notice reminding affected residents, businesses, and nonprofit organizations that they may be eligible for low-interest disaster loans through the U.S. Small Business Administration.

An important distinction: disaster assistance and insurance serve different purposes. A loan is not an insurance payout, and eligibility depends on the applicable program requirements.

If your property or business was affected:

Document damage and keep repair estimates.

Save receipts and relevant records.

Contact your insurer about your policy and claim.

Check official state and federal announcements for assistance deadlines and eligibility.

Recovery can involve several resources, so make sure you understand what each program actually provides.

Connecticut introduced a requirement effective July 1, 2026, for insurers issuing or renewing homeowners and renters pol...
10/13/2026

Connecticut introduced a requirement effective July 1, 2026, for insurers issuing or renewing homeowners and renters policies to provide a notice explaining that the policy does not cover flood-caused losses and that separate flood insurance is available.

Why is this important?

Many people assume water damage is covered simply because they have homeowners insurance. But damage caused by flooding is generally treated differently from certain other types of water damage.

Read the notices included with your policy documents. If you're unsure what qualifies as a flood loss, ask your insurance professional to explain the difference.

Understanding an exclusion before a loss is far better than discovering it afterward.

Recent reporting suggests homeowners insurance premium increases have slowed nationally. But there's an important detail...
10/12/2026

Recent reporting suggests homeowners insurance premium increases have slowed nationally. But there's an important detail: some homeowners may be accepting higher deductibles or reducing coverage to manage costs.

A lower premium can look attractive, but consider what happens when you file a claim.

If your deductible increases, you'll generally pay more out of pocket for a covered loss. If your coverage limits are too low, you may have a gap between your insurance payment and the cost of repairs or replacement.

When comparing policies, look at three things together:

👉Premium

👉Deductible

👉Coverage limits and exclusions

Saving money matters. So does understanding the trade-off you're making.

Owning a car in Connecticut involves much more than a monthly payment.A recent AAA cost analysis put the average annual ...
10/12/2026

Owning a car in Connecticut involves much more than a monthly payment.

A recent AAA cost analysis put the average annual cost of owning and operating a new vehicle nationwide at $12,863 in 2026. Connecticut drivers may face additional expenses, including relatively high auto insurance costs and vehicle property taxes.

So how can drivers make smarter decisions?

🚗 Review your coverage limits and deductibles.
🚗 Ask which discounts you may qualify for.
🚗 Consider how your vehicle choice affects insurance costs.
🚗 Compare the total cost of ownership—not just the purchase price.

The cheapest premium isn't automatically the best value. The goal is to understand what you're paying for and what protection you have.

Running a business means juggling a lot.But insurance shouldn't be something you only think about when renewal arrives.A...
10/10/2026

Running a business means juggling a lot.

But insurance shouldn't be something you only think about when renewal arrives.

At least once a year, consider reviewing:

1. Liability — Has your exposure changed?

2. Property & Equipment — Have you purchased new equipment or made improvements?

3. Employees — Has your team grown or changed?

Your business today may look very different from the business you insured a few years ago.

Every business is different. Your insurance should be, too.


Behind every Connecticut small business is a person who took a chance.A dream.A long night.A first customer.A difficult ...
10/10/2026

Behind every Connecticut small business is a person who took a chance.

A dream.

A long night.

A first customer.

A difficult decision.

Years of work.

Maybe a family depending on it.

That's why protecting a business means more than protecting a building or equipment.

It's about protecting the time, effort, people, and dreams that went into creating it.

Whether you're running a restaurant, construction company, professional office, retail shop, or another Connecticut business, your risks are unique.

Your business is personal. Your protection should be, too.

Address

Danbury, CT
06810

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 6pm
Friday 9am - 5:30pm

Telephone

+12039835534

Website

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