What features should you look for in home insurance?

If you’re a home owner in West Hartford, CT, then you know how important it is to protect your home and family from disaster.  Fortunately, the agents at All Connecticut Insurance Brokers LLC understand how crucial your home insurance policy is to your family’s financial security.  That’s why they work hard to write policies that protect your home and everything in it.  If you’re looking for a new home insurance policy, make sure you consider if it has these features.

  1. Does it cover all types of disasters?  Many home insurance policies have exclusions that mean your home isn’t covered in the event of a disaster such as a hurricane or sinkhole.  While that might be an acceptable level of risk for some people, you may want to ask your agent about getting a rider on your policy that would cover these issues.
  2. Are smaller items covered?  While your home owner’s policy probably covers all of the items inside of your phone, the deductible is probably set high enough that it doesn’t make sense to file a claim over a single lost piece of jewelry or broken cell phone.  It is possible to add riders to your policy, however, that cover these items at a lower deductible.  Often, these riders are much less expensive than the point-of-sale policies offered in many stores, and they offer better coverage.
  3. Are accidents covered?  A home insurance policy can do more than simply provide funds for replacement appliances or a home repair.  It can also provide coverage for accidents that occur on your property.  This can include funds for medical bills or legal representation. 

If you live in the West Hartford, CT area and you’re looking for a new home insurance policy, be sure to call the agents at All Connecticut Insurance Brokers.  They have years of experience helping clients like you find the policy that is right for them.