Connecticut Homeowner's Insurance
Your home is most likely the largest personal investment you will ever make. That's why it's important to make sure it is covered by the best Connecticut home insurance available. InsureMe makes finding quality coverage easy. We can put you in touch with up to five agents who are eager to compete for your business. You'll get free Connecticut home insurance quotes so you can compare coverage, compare prices and make the best decision for yourself.
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Why You Need Home Insurance
Your Connecticut home insurance policy protects you from financial strain by paying for any bodily injury or property damage situation in which you are held liable. Your home insurance company will act on your behalf in these situations, negotiating settlements, defending you in court or paying judgments against you. If you finance your home, your lender will require you to insure it for at least the amount of your home loan. However, most insurance policies require insurance coverage of at least 80 percent of the home's replacement value.

What You Should Know
Acquiring Connecticut home insurance can be an expensive proposition. Home insurance rates have consistently risen nationwide year after year, due in large part to increasing claims numbers. The average consumer home insurance expenditure rose over 7 percent in 2003 and almost 4 percent in 2004. The Insurance Information Institute projects a smaller increase of 2.5 percent in 2005. Nevertheless, home insurance costs remain a significant portion of consumers' monthly budgets. Home and property loss can be devastating and unexpected, so it is vitally important to hold sufficient coverage to ease financial and emotional hardships.



Home Insurance Protections Coverages
There are a variety of Connecticut home insurance policies from which to choose. However, each type may be purchased in a package which includes coverage for four items: property damage, additional living expenses, personal liability and medical payments.
Property damage covers the cost to repair or replace your home and personal possessions in the event of a loss.
Additional living expenses are those you incur when your home is damaged and uninhabitable and you must live elsewhere. Covered costs include lodging, meals and storage.
Personal liability coverage protects you against claims or lawsuits resulting from bodily injury or property damage for which you are responsible.
Finally, medical payment coverage reimburses for medical expenses incurred by persons injured on your property.Policies Available

You may choose from the following types of home insurance policies in Connecticut:
Broad Form (HO-2): Covers only specifically listed perils.
Special Form (HO-3): The most popular policy. Offers property and liability coverage for your home and other structures on your property. Protects against all risks except those specifically excluded.
Tenants Form (HO-4): Provides coverage for your personal property and any parts of the apartment you own in a rental situation.
Condominium Form (HO-6): Covers a condominium owner's personal property, as well as any portion of the building he or she owns.
Market Value Form (HO-8): Insures the structure based on market value, rather than actual cash value.
Examine your Connecticut home insurance options closely to determine which type of policy best suits your needs before purchasing.

Steps to Getting Educated
The Connecticut Department of Insurance recommends you take the following steps to educate yourself regarding home insurance:
Gather as much information as possible before your purchase
Schedule a routine insurance "checkup" once a year

Ask about discounts
Comparison shop, getting home insurance quotes from several insurers
Read and make sure you understand your policy well—it is a legal document

Do the math—and start saving!
Ready to compare the offerings and see the savings for yourself? Just fill out our quote box at the top of this page to get your free Connecticut home insurance quote. InsureMe can handle your home insurance needs.

America’s northeastern areas, such as Connecticut, have been known to take some hard hits as far as storms go, so when you begin your search for a Connecticut home owner insurance quote, you must make sure your home owner insurance policy covers specific factors that could arise due to storm damage. After you dig through the damage to find your Connecticut home owner insurance policy is no time to find out what your policy does, and does not, cover.

• Storms and floods sometimes go hand-in-hand. In general, a Connecticut home owner insurance quote will not include flood coverage. If you are interested in flood coverage, make sure to make your interest clear when you are getting your Connecticut home owner insurance quote. If the company does not have a home owner insurance policy that offers any kind of flood coverage, contact the National Flood Insurance Program (NFIP) at 816-783-8003 for a flood insurance quote.

• Connecticut home owner insurance companies are not ignorant to the damages caused by storms; therefore, they are going to want to know what precautions you have taken to protect your home and your valuables. Making updates and repairs such as new, sturdier windows and storing your expensive valuables such as family heirloom jewelry in a safety deposit box somewhere safe will help you get a better Connecticut home owner insurance quote than not taking any precautions at all.

• If it’s important for your home owner insurance policy to reimburse you for living expenses while you wait for your home to be repaired, make sure to ask the agent about this coverage. If you have family or friends living in a safe location, neglecting this coverage may be a way for you to save money on your Connecticut home owner insurance quote.

There are more factors to consider regarding your Connecticut home owner insurance quote, but these storm-specific matters will help get you started.

As you are shopping for your new Connecticut home, keep your Connecticut home owner insurance quote in mind. It is not impossible to save money on your home owner insurance policy if you have already purchased a home, or have lived in your home for several years, but it is easier to save money if you evaluate the pros and cons of the homes you consider in regards to your home owner insurance quote.

The location of your home is important when it comes to your Connecticut home owner insurance quote. If your home is near a fire hydrant, a fire department, and a police station, you may be able to get a better home owner insurance rate. Some home owner insurance companies in Connecticut prefer professional fire departments over volunteer fire departments; however, any fire department is better than none.

Find out how old each home’s electrical, plumbing, heating, and cooling systems are. If they are under ten years old, you may be able to get a cheaper Connecticut home owner insurance quote. If they are older than ten years, replacing them may be necessary which will cost you extra money in addition to the price of the home.

Connecticut is an East Coast state, and many home owner insurance companies give more affordable rates to policyholders in the East who own brick homes over other building materials. Brick homes are more resistant to high winds and storms – two weather conditions very common to the East. If you have a brick home, not only is the structure of your home able to stand up against the elements better, but your home’s contents are better protected as well. Home owner insurance companies love additional home protection – it means you put them at a low risk to insure.

Safety precautions can be taken after you purchase your home, but keeping precautions in mind as you shop helps you save money upfront.