Enter your ZIP code:

Connecticut Homeowners 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.

The unexpected happens every day. Don't wait for it to knock on your door—contact InsureMe!


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:

  1. Gather as much information as possible before your purchase
  2. Schedule a routine insurance "checkup" once a year
  3. Ask about discounts
  4. Comparison shop, getting home insurance quotes from several insurers
  5. 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!

We are at your disposal…contact us now!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  


List of Articles
No. Subject Author Views
55 Wyoming Home Insurance youcomparequotes 6569
54 Wisconsin Home Insurance youcomparequotes 6862
53 West Virginia Homeowners Insurance youcomparequotes 6452
52 Washington, D.C. Home Insurance youcomparequotes 8088
51 Washington Home Insurance youcomparequotes 6189
50 Virginia Home Insurance youcomparequotes 6462
49 Vermont Homeowners Insurance youcomparequotes 6948
48 Utah Homeowners Insurance youcomparequotes 6152
47 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7132
46 Texas Home Insurance Quotes youcomparequotes 6669
45 Tennessee Homeowners Insurance youcomparequotes 8237
44 South Dakota Homeowners Insurance youcomparequotes 6928
43 South Carolina Homeowners Insurance youcomparequotes 6196
42 Rhode Island Homeowners Insurance youcomparequotes 6403
41 Pennsylvania Home Insurance Quotes youcomparequotes 6665
40 Oregon Home Insurance Quotes youcomparequotes 12737
39 Oklahoma Homeowners Insurance youcomparequotes 6613
38 Ohio Home Insurance Quotes youcomparequotes 7004
37 North Dakota Homeowners Insurance youcomparequotes 6335
36 North Dakota Home Insurance youcomparequotes 6194
35 North Carolina Homeowners Insurance youcomparequotes 10968
34 New York Home Insurance Quotes youcomparequotes 6869
33 New Mexico Homeowners Insurance youcomparequotes 6736
32 New Jersey Home Insurance youcomparequotes 6257
31 New Hampshire Home Insurance youcomparequotes 6329
30 Nevada Home Insurance youcomparequotes 6463
29 Nebraska Home Insurance youcomparequotes 6306
28 Montana Home Insurance youcomparequotes 6681
27 Missouri Home Insurance Quotes youcomparequotes 6385
26 Mississippi Home Insurance youcomparequotes 6429
25 Minnesota Home Insurance Quotes youcomparequotes 6590
24 Michigan Home Insurance Quotes youcomparequotes 7601
23 Maryland Home Insurance youcomparequotes 6593
22 Maine Homeowners Insurance youcomparequotes 6401
21 Louisiana Homeowners Insurance youcomparequotes 6795
20 Kentucky Homeowners Insurance youcomparequotes 6198
19 Kentucky Home Insurance youcomparequotes 6589
18 Kansas Homeowners Insurance youcomparequotes 6793
17 Iowa Homeowners Insurance youcomparequotes 6238
16 Indiana Homeowners Insurance youcomparequotes 6592
15 Illinois Home Insurance Quotes youcomparequotes 7301
14 Idaho Home Insurance youcomparequotes 6439
13 Hawaii Home Insurance youcomparequotes 6476
12 Georgia Home Insurance youcomparequotes 6566
11 Florida’s Home Insurance Headache youcomparequotes 7871
10 Florida Home Insurance Quotes youcomparequotes 6519
9 Delaware Home Insurance youcomparequotes 6104
» Connecticut Homeowners Insurance youcomparequotes 6385
7 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 10950
6 Colorado Home Insurance Information youcomparequotes 7089
5 California Home Insurance youcomparequotes 6592
4 Arkansas Home Insurance youcomparequotes 6709
3 Arizona Home Insurance Quotes youcomparequotes 7637
2 Alaska Homeowners Insurance youcomparequotes 6349
1 Alabama Homeowners Insurance youcomparequotes 6367
XE Login