Certain changes to a home, such as a finished basement or monitored security system, can change your Connecticut homeowners insurance premium. Some projects raise the rate. Others open the door to a discount. A few have no effect at all. Knowing which category a project falls into before work begins can help a homeowner budget […]
Personal Insurance
Planning a home renovation usually means talking to a contractor to make detailed plans and estimate costs, going to your local government for permitting, and working with a bank for funding. It also means making sure your homeowners insurance is appropriate for the work being done. Five specific points in a renovation timeline call for […]
The same homeowners insurance you’ve carried for years probably covers small updates you make week to week. Things like repainting a room, hanging new drapes, or updating the cabinet doors in the kitchen. These don’t typically change the replacement cost or risk profile of your home and likely don’t affect your insurance. However, a standard […]
Many Connecticut homeowners who work from home don’t consider how it affects their insurance needs, or might assume that their homeowners insurance already has them covered. But if you aren’t protecting your professional assets at home with the right insurance, you may be leaving yourself open to unnecessary financial exposure. What a Standard Homeowners Policy […]
Standard homeowners policies exclude flood insurance. For people in coastal communities along Long Island Sound, river towns along the Connecticut River and Housatonic corridors, and low-lying inland areas that flood from severe storms, that exclusion represents one of their most significant gaps in residential insurance coverage. Homeowners may not be aware of this until a […]
Standard homeowners policies have gaps that affect custom homes in Connecticut, especially in Fairfield County. We discuss why and offer some better options In Fairfield County, Connecticut, homeowners with high-value homes, whether historical or custom-built, may need a customized homeowners insurance policy to fill important gaps. Standard policies are designed to meet the needs of […]
Essential Takeaways: Many Connecticut homeowners with older properties assume they don’t need to worry about what happens to their home if they have an insurance policy. Even if your premiums are paid, however, it is important to understand that having a policy is not the same as being covered for everything. In fact, there can […]
Essential Takeaways: Connecticut’s housing stock contains countless older homes that are full of charm, but many of them also have original plumbing, wiring, or roofing systems that predate today’s underwriting standards. When it comes to obtaining homeowners insurance, Connecticut carriers weigh age heavily. Insurers simply won’t evaluate a pre-1940 Colonial the same way they would […]
