Connecticut's Personal Insurance Leader!
Gerardi Insurance Services has over 20 providers of Auto 
Insurance for you to work with. Although it is easy to know that by law, you must have Auto Insurance and liability - it is not simple to acquire the right rate and coverage. Since it is the people that make the company, it will be people who work with you to help you find the right coverage for your situation. NOT ALL COVERAGES ARE THE SAME. You can always find a lower rate, but want you really want is make certain that someone is there for you when trouble comes and the lowest rate doesn't always guarantee that.
Contact us to begin the process and one of our insurance experts will be happy to assist you.
Protecting one of your most significant investments, your 
home, can be a daunting task. At Gerardi Insurance, we know the local Connecticut Insurance market because we've helping clients just like you protect your home for many years. One of our agents can help you tailor a policy to meet your specific needs.
Your Homeowners policy not only protects your home, it also protects your valuable personal assets and may cover your personal liability in certain situations. Having an expert ensure you have the most appropriate coverage is essential in today's marketplace. You can count on Gerardi Insurance to deliver on our promise to provide you with highest quality coverage at the best possible rate.
The reasons why you might need to purchase life insurance 
may change over time. What will not change over time is your need to have life insurance.
A customized life insurance policy from Gerardi Insurance will be there for you and your loved ones during the most difficult times you may face. Choosing the right life insurance policy can be a challenge. Contact Eric Quinn to discuss the specifics of your situation. Eric is a Vice President at Gerardi Insurance and has been helping clients meet their life insurance needs for over a decade. Click the tabs below to get a brief overview of a few of the life insurance products available to you. Click the tabs below to learn more about the variety of options available to you.
Life Insurance
Term life insurance provides coverage for a specified period or a "term" selected by you. Term life policies must have up to date premium payments and the claim must have occurred within the "term" for coverage to applicable. If no claims are filed during the "term" your premiums are not refunded. You have the option to continue the policy once it has expired or discontinue it at the end of your term.
Generally, the terms available are 10, 15, 20, and 30 years.
The duration of a Permanent life insurance policy is for the life of the insured and payment is made at the end of the policy (subject to certain conditions). A Permanent life insurance policy accrues cash value during the policy period as payment is typically assured at the end of the policy. Permanent life insurance generally has an increase in premium over a Term life policy because a Permanent life insurance policy must pay out (subject to certain conditions). Contact Eric Quinn to discuss the many options available to you.
Universal life insurance is best described as a flexible product. It does not have the set time periods held by a Term life policy nor the lack of term options in a Permanent life insurance policy. You can select a specific coverage amount and make changes down the road as your needs change. The policy accumulates a cash value when you make payments. You can make adjustments to the amount and frequency of your premium payments.
Universal life is one more option to consider for your portfolio.
A Variable life insurance policy is a mix between a life insurance policy and an investment. You have the option to choose how how premium is invested amongst options provided by your insurer. The value of your policy can fluctuate with the performance of your investments.
We can help you select the most appropriate investment for your policy.
You need to protect your personal assets regardless of 
whether you own or rent a home or apartment. Your landlord's policy covers the structural aspects of the building only and provides no protection for your personal property. A renter's policy also provides personal liability protection in certain scenarios.
A renter's policy can provide a wide variety of coverages in exchange for a very reasonable rate. Give us a call and we'll make sure you have the specific coverages you need for your situation.
Any type of homeowners insurance product provides 
some measure of coverage for your personal property. What about your valuable items? Your homeowners policy provides limited coverage for such valuable items as jewelry, fine arts, furs, and silverware. Gerardi Insurance can help you protect your most prized possesions.
We are Eastern Connecticut's insurance leader and we will provide you with a "total" solution for your insurance needs. Our agents are experts in all areas of the insurance business and will provide you with an insurance solution for all your personal assets.
In addition to your condo association's master policy, you 
need one too! As a unit owner you need to properly protect your unit and your personal liability. Generally, the association's policy covers damage to the exterior of the building, the common areas, and the association's liability.
Condominium owners need to properly protect their personal property as well as their investment into their specific units. Our agents understand the ins and outs of how to match up your policy to your association's policy to ensure you are adequately protected.
An excess liability, or "umbrella", policy provides liability 
protection above the limits of your homeowners and automobile policy. This type of policy can also provide coverage for situations which may not be covered by your home and auto policy. In today's litigious society it is vital to ensure you have proper protection when you need it. Contact us today and we'll go over your specific situation to see if this is something appropriate for your insurance portfolio.
Finding quality coverage for your motorcycle can be 
challenging. Here at Gerardi Insurance our agents have built relationships with highly-rated insurance carriers in order to offer you great coverage at a great price. We understand that every situation is unique and we will use all our resources to get you the best deal.
Do you own a personal watercraft and have often 
wondered how it insure it or what types of coverages are available to you? Contact one of our agents today and we'll utilize our relationships with major insurance carriers to get you the coverage you need.
Our agents will be able to provide a customized insurance solution for your specific needs. There are many types of personal watercrafts and each come with their own unique insurance needs. Trust your maritime insurance needs to the experts at Gerardi Insurance.
Flood insurance is required in many areas of Connecticut. 
You may be located in an area which is part of the National Flood Insurance Program. The National Flood Insurance Program offers those eligible for the program flood insurance at a fair cost.
You may not be located in one of these areas but you still may want to consider purchasing a flood policy. Flood insurance is typically not covered by your basic homeowners policy.