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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


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!

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