Personal Insurance

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 […]

Essential Takeaways: Victorian homes are full of charm, with their carved millwork, ornate trim, and decorative plaster. However, all of these features are expensive, and if a disaster, such as a storm or fire, forces you to rebuild, a standard homeowners’ insurance policy may not be enough to cover the full cost of restoring these […]