If you’re looking for homeowners insurance in Connecticut, call our agency today. Your home is most likely your most valuable asset and should be protected as such.
We can help you find the best homeowners insurance company at the best price. We also specialize in other forms of property insurance:
- Traditional Homeowners Insurance
- Rental Property Insurance
- Vacant Property Insurance
- Condo Insurance
- Renters Insurance
Understanding what’s covered and what’s not is also very important since no two homeowners policies are created equal.
Common homeowners policy coverages:
Dwelling (main structure)
Other Structures (shed, driveway, fencing, sidewalk, pools, etc.)
Personal Property (possessions at the property location)
Loss of Use (covers the cost of staying off-premises if your home is uninhabitable)
Common homeowners insurance exclusions:
It’s important to understand that homeowners insurance only covers sudden, acute occurrences, which are caused by perils (fire, lightening, wind, etc.) specifically described in the insurance policy contract. Homeowner insurance also specifically excludes damage caused by flooding, so a separate policy is needed to cover flood damage.
This means that damage that occurs, or worsens over an extended period of time is excluded from coverage (not covered). That type of damage is considered “wear and tear” and is not covered by any insurance company.
Here are a couple of examples of common policy exclusions:
- Water leakage/damage
- Wet rot
There are also a number of endorsements (riders) that should be considered also:
- Jewelry or collectibles rider
- Special personal property coverage
- Water/Sewer Backup
Call our agency today and we’ll help you find the best bang for your buck on your homeowners insurance.