Connecticut Homeowners Insurance Agent

Whether you own a house, a condominium or a townhouse, for most people their home is
their most important investment. We offer Connecticut homeowner's insurance policies
that have flexibility to meet your individual needs and above all, provide you with the
security that comes only from the knowledge that your home is safe.

Homeowners insurance is one of the most popular forms of personal
insurance and the typical homeowner's insurance policy has two main
sections:

Section I - insurance coverage for your property

Section II - personal liability coverage (to cover you in case of lawsuits
arising

from things that happen on your property)

Click on the link below to fill out a quote form for a
Connecticut homeowner insurance policy that will
provide first class homeowner insurance coverage
at an affordable cost. Or contact a home insurance
specialist at one of our Connecticut locations to
discuss the features.

Covered losses under a Connecticut homeowners insurance policy can be paid on

either a replacement cost basis or on an actual cash value basis. When "actual cash

value" is used, the policy owner is entitled to the depreciated value of the damaged

property. Therefore, the older the item is, the less money you may receive for it. If

you choose the "replacement cost" coverage, the homeowners insurance policy will

reinburse the amount it costs to replace the property with something of a similar type

and quality at current prices.

An "All Risks" policy provides the broadest Connecticut homeowners insurance

protection because it will cover losses that are due to any peril except those specifically

excluded in the policy. A "Named Perils" policy covers losses that are due to only those

perils listed in the standard homeowners insurance policy and typically include fire, hail,

windstorm, and other physical losses.

If your policy limit is less than 80% of the replacement cost of your home, you will

face a "coinsurance penalty," which means you'll have out-of-pocket expenses to

cover costs beyond the policy deductible you chose. For example purposes we will

assume your home's estimated replacement value (RCV) is $100,000. The co

insurance clause requires you carry at least $80,000 (80% of your RCV). If you

chose to purchase only a $40,000 Connecticut homeowners insurance policy you

would be underinsured by half. Therefore, in the example the insurance company

would pay one-half of a loss less the policy deductible, so if you suffered a $10,000

covered loss and had a $500 deductible, your policy would only pay $4,500.

Personal liability in a Connecticut homeowners insurance policy is also an important

part of having security from accidents that may occur on your property. We

suggest you choose coverage limits that are not less than those on other liability

insurance you own, such as auto insurance.

Answer a few questions and we will
provide you with a quote for the personal
or group insurance you're interested in.
Use the menu above to reach an
insurance quote request form.

We offer affordable Home and Condominium insurance policies in the following
Connecticut counties and cities: Fairfield County, New Haven County, Litchfield
County, Middlesex County, New London County, Hartford County, Tolland
County, Windham County, Stamford, Norwalk, Greenwich, Darien, Riverside,
Belltown, Springdale, Round Hill, Old Greenwich, East Norwalk, New Canaan,
Glenville, Byram, Cos Cob, Mianus, North Stamford, Glenbrook, Wilton, Weston,
Long Ridge, Noroton, West Norwalk, Westport, High Ridge, Southport, North
Wilton, Winnipauk, Cannondale, Turn of River, South Wilton, Lyons Plains,
Georgetown, Ridgefield, Branchville, Redding, Topstone, Ridgebury, Redding
Ridge, Branchville, Dodgingtown, West Redding, Titicus, Hattertown, Bethel,
Danbury, New Fairfield, Newtown, Hawleyville, Botsford, Monroe, Bridgeport,
Stepney, Shelton, Huntington, Upper Stepney, Long Hill, Trumbull, Stratford,
Easton, Fairfield, Greenfield Hill, Stratfield, Nichols, Oronoque, Rivercliff, Devon,
Lordship, and East Bridgeport, New Haven, Hartford, Torrington, Waterbury,
Meriden, New Britain, New London, Norwich, Manchester, East Hartford,
Suffield, Granby, West Haven, West Hartford, Branford, East Haven, Hamden,
Woodbridge, Orange, North Haven, Groton, Rocky Hill, Newington,
Wethersfield, Glastonbury, Bloomfield, Blue Hills, South Windsor, Naugatuck,
New Hartford, Chesire, East Lyme, Old Mystic, Wallingford, Southington,
Middletown, Bristol, Laurel Beach, Litchfield, Pleasure Beach, Mystic, North
Westchester, Double Beach, Willimantic, Storrs, Canaan, East Windsor, Vernon,
South Canaan, Putnam, Guilford, Windham, South Britain, Willington, Windsor,
East Hampton, Brooklyn, and Westchester, CT.

"Your local Connecticut Homeowners Insurance agent specialist!"

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Connecticut Homeowners Insurance Information

Connecticut Homeowners Insurance FAQ

Replacement Cost or Actual Cash Value

Connecticut Homeowners Insurance FAQ

All Risks or Named Perils

Connecticut Homeowners Insurance FAQ

Connecticut Homeowners Insurance Specialists

Request a Quote Here!

Homeowners insurance is often required by lenders
to obtain a mortgage and nearly everyone, whether
you own or lease property, should have the
protection of homeowners insurance.

Now with 4
Connecticut
locations!

Stamford

Cheshire

East Windsor

Groton

22 Knapp Street

Stamford, CT 06907

203-359-0880

Fax: 203-359-9443

1157 Highland Ave., Suite 109

Cheshire, CT 06410

203-250-1006

Fax: 203-250-0190

84 Bridge Street

East Windsor, CT 06088

860-627-9418

Fax: 860-627-9213

124 Fort Hill Road

Groton, Connecticut 06340

New London County, CT

860-445-8447

Fax: 860-446-0848

Customer Service

(Personal Policies)

(203) 250-0186