It goes without saying that purchasing proper home insurance is a critical part of owning a home in West Hartford, CT, or anywhere else. But, living in New England comes with a unique set of circumstances since the four seasons we get provide us with a plethora of changing and extreme weather all year long. At ALLConnecticut Insurance, we understand that being in the Northeast means warm summers and crisp, colorful falls, but the harsh winters that follow can be brutal and long-lasting. That means your policy must be multi-faceted and comprehensive to cover the unexpected.
Preparing for the Weather with Home Insurance
We are right around the corner from ice storms, heavy snowfalls, and sub-freezing temperatures. Together or separately, these can lead to serious property risks. You can experience a roof ice dam, frozen pipes, downed trees, or even a roof collapse due to excessive snow. Losing power for periods of time during “nor-easters” can also sustain damage to area homes. Of course, most policies in our area understand these perils, and typical regional policies contain clauses to ensure you are protected.
Many folks miss the significant risks posed by summer storms such as tornadoes, waterspouts, and even the occasional hurricane. As a state with a significant coastline, the threat of damage from hurricanes has traditionally been seriously underestimated by homeowners and insurers. However, these events bring heavy rain, a high possibility of flooding, and strong winds to the area, posing major threats to your home and your surrounding property. Most homeowners’ policies do cover wind damage, but many do not cover flooding. If your West Hartford, CT area property has been assessed as likely to flood, you should certainly inquire about purchasing a separate flood insurance policy before disaster strikes.
Contact ALLConnecticut Insurance in West Hartford, CT
At ALLConnecticut Insurance, we want to be your one-stop shop for home insurance. We want to ensure you are completely covered and never have to worry about surprises down the road. If you would like to add to your policy or learn more about your options, feel free to give us a call or stop by!