Connecticut Homeowners Insurance
Buying a home may be one of the biggest purchases you will ever make. If you are a resident of Connecticut then you need to make sure that your home is protected with a CT homeowners insurance policy.
When buying a Connecticut homeowners insurance policy it is important to do your research and shop around. Comparison shopping will help you decide which company can give you the policy you want at the rates you can afford.
Our free CT homeowners insurance quote finder at the top of the page makes shopping for homeowners insurance convenient and simple. Find the policy you need to protect your home right now!
What Does A Connecticut Homeowners Insurance Policy Cover?
There are different types of homeowners insurance policies available to you that will vary in terms of coverage. The typical homeowners insurance policy will cover damages to your home’s structure. It will also cover your personal property, which includes most of your belongings inside your home.
A CT homeowners insurance policy will also cover damages to your home as a result of certain things covered by the policy, such as wind, fire, theft or vandalism. It is important to read your policy carefully and know what you are covered for and what is not covered under your policy.
If you live in an area that it prone to flooding, you will need to purchase an additional policy for damage due to flooding, as that will not be covered under your homeowners insurance policy.
Homeowners insurance also protects against personal liability.
What Affects My Connecticut Home Insurance Rates?
There are many factors that insurance companies use to determine the rate of your CT home insurance policy. Some of the most common factors include:
- Your Location: People who live in areas more prone to natural disasters or areas with high crime rates will pay more for a home insurance policy.
- Previous Claims: Making claims can sometimes make your CT homeowners insurance policy rates increase, but not for every type of claim. The claims that are most influential in raising rates are for dog bites, water damage, and falls.
- Your Credit Score: Your credit score helps to determine the rate a homeowners insurance company will assign you. Your credit score helps the insurance company determine your level of financial responsibility and stability, so a high score will help you receive lower rates.
How Do I Choose A Connecticut Homeowners Insurance Company?
When choosing a homeowners insurance company, shop around and do your research. Here are some things to look for when choosing a homeowners insurance company in CT:
- Financial strength of the company: When you do need to make a claim on your insurance policy, you want to have a company that is able to pay. Choose a company that is financially strong so that you can be sure your insurance is worth something in the event that you need it.
- Customer Service: You may have to deal with the homeowners insurance company later on down the road, so you will want to pay close attention to the customer service they give. Read reviews on companies you are considering to see ho past customers feel about them.
- Discounts: Many insurance companies offer their customers discounts, which can be a great way to save on your homeowners insurance policy. Look around and see which discounts different insurance companies can offer you to help you decide which company to purchase a policy from.
Compare Connecticut Homeowners Insurance Quotes Online!
Shopping for a CT homeowners insurance policy doesn’t have to be a hassle. Our free CT homeowners insurance quote tool makes comparison shopping quick and easy.
Make sure you are getting the best rates available to you by shopping around. Compare multiple quotes from top CT home insurance companies side by side.
Get started finding the right CT home insurance policy for you right now!