Home Insurance

Connecticut is known for its contemporary urban areas, idyllic seashores, and highest per capita incomes. With the weather extremes experienced such as floods and storms, many homeowners ensure they get home insurance policies to protect themselves from all the hassles of frozen or damaged water pipes, hurricane destruction, and constant seasonal flooding.

Every home has its own unmatched features, therefore a seashore cottage will definitely need different coverage needs and risks compared to suburban or urban condo home. Most insurance policies in Connecticut include the standard coverage types. They help you protect your loved ones, your property and yourself. These standard coverages include:

Home structure policy

poliza de estructura de la casa

This type of policy helps protects the whole physical structure of your dwelling, including the roof, the floor, and the walls.

Other structures

This kind of policy help protect all the physical structures of buildings around your property such as the stand-alone garage and the shed.

Property

Personal property protection policy covers all the belongings inside your home including electronics, home appliances, furniture, and personal items. In case they are damaged or stolen, the personal property coverage helps to replace them.

Liability coverage

This type of insurance protects you from lawsuit claims or if you're sued for injuries caused to someone in your property.

Medical coverage

This policy helps cover the medical bills and expenses incurred for a guest who is injured in your home.

It is important to note that flood insurance is not covered on Connecticut home insurance policies. We at Christian Brokerage Insurance, recommends that homeowners should purchase a separate flood insurance coverage to protect them from floods. This is for those who are not endorsed by the National Flood Insurance Program.

Are you looking for a home insurance policy? Christian Brokerage Insurance is the agency to look for. Visit us today to discuss new policies or visit our online platform for a quote.